vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
a person from a company called ADR called and said they were trying to collect a debt on behalf of health management associates in the amount of XXXX. I said I didn t have a problem paying this but I wanted more information because I did n't know if they were scamming me. they I asked for the name of the original debt he said he did n't have that info and it was against the hippa law to give that info out. he said I was sent several notices and I said they were sending them to the wrong address and would they send me something to the correct address and he said no if I did n't pay this today they would be moving forward and sueing me for the full amount of over XXXX so I used my cc card and paid them. I asked him to tell me what doctor or hospital this was for he said he did n't have this information. I called them back and tried to get the name of the company and the woman hung up on me. I think I got scammed and I 'm in the process of disputing the charge.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They keep on calling my work several times a week. This is a debt I did not know I had because I was paying monthly through my checking account and was always current. I asked them to send me paperwork showing the debt I owed and said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2017 I initiated a {$60.00} international money transfer through western union to my family member in XXXX ( Tracking # XXXX ). Western Union refused to pay the money with no reasonable explanation. I raised a complaint with them internally and they stated they would initiate an investigation that could take up to 20 days ( Tracking of complaint # XXXX ). Days later I received a call from them stating that there was an error in their system that prevented them from paying out the money and provided me with a tracking # to claim my refund plus their {$5.00} fee at one of their agent locations ( tracking # XXXX ). When I went to claim the money they refused to pay saying the transaction was canceled and to contact Western. I contacted them and their story this time was that they refunded me the money DIRECTLY to my account. To date I have not received such refund ( attached is also my bank statement as proof ). They just continue to give me the run around with no resolution. I am now out of my {$65.00} and my family is going without due to this ridiculous way of stealing money and handling on behalf of Western Union. I hereby demand that they refund me immediately. 

Please help me because these people are crooks! I am also having trouble with them paying out or refunding me another money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX/XXXX/2017 I sent a dispute letter to PRA requesting validation of this debt - including an item bearing my signature. All I received in response on XXXX/XXXX/2017 was XXXX Credit Card statement. I again requested validation on XXXX/XXXX/2017, and again received no further information to validate the debt. On XXXX/XXXX/2017 PRA claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XXXX/XXXX/2017 asking several specific questions to validate my debt, and on XXXX/XXXX/17 PRA again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DYNAMIC RECOVERY SERVICES, INC.
State: LA

Complaint narrative:
Dynamic Recovery Solutions is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house in XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. Dynamic Recovery Solutions is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX. I want these people stopped.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
They are calling daily demanding payment on something I know nothing about. I do n't know what ERC is or why I 'm being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Cooper Hoffman Klein Associates
State: IL

Complaint narrative:
This company says they are Cooper Hoffman and Kline and Associates, threatening court case on my ex wife and they have been calling me for almost a yea.r I have called them back explained who she is to me that I have no information and I have also repeatedly asked them to stop calling my number. Its always a robocall from multiple phone numbers but they always leave the same call back number { XXXX } with a case number but each call is threatening. I am retired military and these calls keep coming, they are disturbing and I ca n't take anymore. Please help me to stop them, I have my number on the do not call list now. and I am going to file a complaint with all the companies that I can until this stops. Also I went on line and saw that there are many complaints about this company so now I know they are scamming people out of money. Pelase help!

Company response to consumer: Untimely response
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Recovery Solutions
State: FL

Complaint narrative:
name of company : United Services phone number of company : ( XXXX ) XXXX I received 2 phone calls today XXXX/XXXX/16, from this phone number. The first time the male said his name and would not address the company he works for. I hung up and he called right back. He asked my if i was who I am so I told him I was. He then proceeded to tell me that he works with the state prosecuting attorney 's office and that there will be XXXX felony charges pressed upon me and that warrants were then going to be put out for my arrest. When I hung up, I was in such a panic because I am XXXX and the situation scared me. I called the state attorney 's office right away and they said that there was no felonies no warrants and they nor any affiliates would call me and ever tell me such a thing. XXXX. They do not care about who they are hurting nor how they are hurting them. This is XXXX damaging and could have turned out to be XXXX harmful as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Recievables solutions put a collection on my credit report after it was already deleted. On XXXX/XXXX/XXXX a collection with Receivables Solution was deleted off of my XXXX report. On XXXX/XXXX/XXXX I got an alert from XXXX stating that a new collection was added to my report by this company. This is reporting with a new date aw well as it 's reporting past due. The date for XXXX was XXXX for {$33.00}. I have no knowledge of this account, they have placed this on my report with no contact by ... mail or phone. I do not owe them this debt. This company has never reported this collection on any other credit reports only XXXX and it was proven that they could not verify account as was deleted now they have added it to other reports. I have documentation from XXXX stating that the account was deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CLX Systems/ Westwood Management
State: MN

Complaint narrative:
This collection company " clx systems '' seems like a fake company. Their website has a phone number, XXXX area code, that is disconnected. I tried a second number, XXXX, that is an automated system that just bounced me back and forth trying to sell me different products. I 'm starting to think this company is not real. All i want to do is pay the debt so it can be removed from my credit report but there is no way to get a hold of this " clx systems '' collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The original creditor was XXXX Bank from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not XXXX who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with Capitol One Bank since 10 years ago and never will. My Bankruptcy representative made that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This is the 3rd time I have submitted a complaint regarding Capitol One credit card. Please refer to case # XXXX, my first complaint. Again, I have been called at work 3 more times since my original complaint was submitted about them harassing me at work. To make matters worse, they revealed to the receptionist that it was a collections call regarding my name. This is mortifying!!!! PLEASE, do something to make the stop calling me at work. Today 's " recorded '' phone call was from XXXX, PA XXXX. I requested this detailed information from the representative because on my original complaint, Capitol One LIED and said they were not calling me at work. Please request a copy of that recorded call and as proof. Please fine Capitol One for blatantly disregarding the law. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the past several years - at least 3 and probably more - I am continually being asked by Capital One to update my income. I have received letters about this via the US Postal Service. I have received emails about this to the email address Capital One keeps on file for me. And immediately after logging into my Capital One account I continue to receive numerous notifications telling me to update my income information. A few years ago when this first started these income requests were infrequent - approximately once every 2 or 3 months. In the last three months, the requests have been more frequent. They now only occur immediately after I log into my Capital One account, approximately every 3rd or 4th time I log into my account. 

Due to this increased frequency, on XX/XX/2017, I called the Capital One Executive Office at XXXX. I talked to XXXX. Essentially I told him what I described above. My purpose for calling the Capital One Executive Office, and not the regular Capital One credit card phone number, was due to my desire to speak with someone who could put an end to this - to cease these continued and continual requests for the same information that Capital One already has. Towards the end of our conversation, as I pointed out to XXXX and as XXXX acknowledged, my providing this information is voluntary. And as XXXX explained to me, I have the right not to update this information. 

Unfortunately, the phone call to the Capital One Executive Office was completely ineffective. The frequency with which I am being asked for this information has continued unabated. But as of today, XX/XX/2017, Capital One added a new twist to this. Prior to XX/XX/XXXX, when I got this screen immediately after logging into my account, I had one of two options to choose. Option # 1 was to continue ( to update my income ). Option # 2 was something to the effect of " remind me later '', or " not now '', or " go to my account ''. In other words, prior to XX/XX/2017, I could choose to ignore this screen and go directly to my account. But as of XX/XX/XXXX, only one option existed - " continue ''. So what Capital One did as of XX/XX/XXXX was to force me to go to the next page to update my income. If I did not do this, Capital One provided no other way for me to bypass this and access my account. In essence, I was denied access to my credit card account information. I have attached a PDF version of the income request screen as it appeared on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: CO

Complaint narrative:
Thought I was talking to my cousin and he was telling me about getting grant So I did it and they needed some funds for shipping and clearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am a victim of counterfeit fraud on my credit card. Barclay notified me of the suspicious transaction on XX/XX/XXXX the day it happened. I contacted them as soon as i could and confirmed the charge in question was indeed fraud. After wait more than 2 weeks for the fraud charges to be credited to my account, I sent them an email questioning the status of account ( see copy of email in attachment ), and they responded that my issue has been escalated and will be diligently working to resolve it. After waiting another 3+ weeks, and nothing happened I contacted them for a 3rd time, this time by calling them. I finally got someone on the phone from the fraud department and he told me it would be handled right away, which I did receive credits on my account the next day. I just got a letter this week that was generically worded saying they resolved my fraud case and it is now closed. I assume this meant that it was in my favor, since I am the victim of fraud, but no, they put the fraud charge back on my account. I find it extremely frustrating and completely ridiculous that I will need to reach out to Barclay for a fourth time to resolve an issue that I am a victim. I have also been making payments to cover the fraud charge because I do not trust this company to properly credit me any interest that I would have incurred because of their incompetence and failure to handle this simple situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I bought a {$400.00} prepaid Mastercard at XXXX in XX/XX/2017. When I got home, the card would not work so I called the prepaid company. They said that the card was flagged as fraudulent on XX/XX/2017, but they still allowed the sale to go through at XXXX. The card company offered to refund the gift card balance, but not the {$13.00} activation fee, even though the cards were never activated due to the fraud flag. They said that they have a policy to never refund activation fees, even better in cases like mine where a fraud flag prohibited activation. So now I have to wait 2 weeks for my {$400.00} refund AND the card company still earned {$13.00} off of my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Updated case number XXXX. I have been writting letters to Trans unin credit reporting agency to remove inaccurate information from my credit file from company named XXXX with account number of XXXX. My request for removal has not been honored as a result negative information continues in my credit file. My request for deletion is based off of my rights under the Fair Credit Act, due to creditor not complying with written notification to validate claimed debt. I have requested that Transunion validate alleged debt by notice of original signed contract as stated I entered into binding me to obligation of debt. In addition I have requested for legal proof that alleged debt statue of limitation has not expired. As of today I have not received an justifiable reason from Trans union with reasoning of why negative information from XXXX remains in my credit file. I have requested from Trans union to provide me with method of verification and validation of debt in which to include creditor contact person and phone number who verified debt with credit reporting agency and as of now I have not gotten any response from Trans union.At this time I am asking for CFPB to investigate with Transunion of justifiable reason to continue to report negative information regarding XXXX into my credit file. I also would like Trans union to supply me with written notification of verification and validation of my original dispute to investigate statue of limitation on debt and copy of original contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A collection account by the name of XXXX address XXXX XXXX, MD XXXX is listed on my account as opened and is a collection account that I have unknown knowledge about. I would like documentation of the account because I never dealt with a company by that name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFULLY TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation