vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX - XXXX store Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc.
State: NJ

Complaint narrative:
I pay a biannual fee to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. The resort sent out their maintenance fee two months before the year is finish with demand for payment by XX/XX/XXXX. When I purchase the resort ( under duress-after being there for over 6 hours ), which is paid in full, I specially told the sales representative I can make all payments by the XX/XX/XXXXof the month. I was told no problem. No Im being harassed & threatened. I requested a payment plan. I was charged {$25.00} for late fee ; additional {$25.00} for taxes ( none of the other owners were charged this additional tax fee ) & {$5.00} for Voluntary XXXX fee ( never agreed to, which is forced on every timeshare holder whether they like it or not ). I made arrangements to pay the maintenance fee. After paying {$310.00} & disputing the {$25.00} additional tax fee ( which is my right ), XXXX sent my account to collection to Continental Central Credit, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX. This company try to financially XXXX me ( maintenance fee : {$790.00}, interest : {$8.00} ; collection fee : {$260.00} for a total of {$1000.00} overcharge of over {$600.00}. I called them at XXXX & XXXX & spoke with XXXX who said she would get back to me. I emailed XXXX who told me to contact Continental Central Credit INC. In the meantime, Im not able to utilize the facility even though its paid in full. The contract according to XXXX said the fees can go down but it keeps going up without service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2018 Regions Bank paid an {$1800.00} check written on another persons checking account from mine. I discovered this on XX/XX/XXXX and called the bank. I was told that I would have to visit the branch in order to resolve the matter. I did that the following day ( XX/XX/18 ), filed a formal complaint, and was told that I should here from someone in a few days. As of today, I have heard nothing back. However, the funds were put back into my account by the next day. Fortunately, I had deposited money in my account just days prior that allowed the matter not to cause me a catastrophe. 
Not only was the account number on the check not mine nor was the routing number even similar. Not to mention the differences in the account holder ( s ) names and address. Even different states.

Had this happened to my mother or sister it would have destroyed them. Neither of them have internet, meaning no PC banking, so they would not have even known until receiving their bank statement in the mail. Additionally, my sister does not drive and has medical issues so having to attend a branch would have been very difficult for her.

If this has happened to me, I am willing to bet the same has happened to other customers. This could cause so very many issues, including very long lasting negative effects to a credit report. For anyone that has had incorrect or fraudulent information on their credit report knows how very difficult and time consuming it is to correct.

I am attaching a copy of the other persons check and the Regions complaint ( to which I have still heard nothing. Not even a phone call to say they are investigating and will get back to me ). 

Because I have a copy of the check that is included with my online account I also have that customers address, phone number, and checking account number. Thank goodness I am not the type person to steal from another.

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 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
On XX/XX/2018, I received a certified mail letter to stop " manufactured spend '' activity. 

On XX/XX/2018, I called to ask what specific activity in my account triggered this letter. I was told that for my account specifically, it was due to receiving transfers from other credit union members who exhibit signs of this type of activity on their accounts. They said as long as I stop receiving transfers from other FT ( First Tech ) members, I should be fine, as my account does not exhibit any other signs of prohibited activity. 

However, on XX/XX/2018, I was unable to sign in to my account. I called customer support, and they said my account had been closed for the reasons in that letter. They sent me a cashier 's check for the balance, but they kept {$5.00} in my savings account. I am unable to access my savings account and am unable to pull my transaction history. 

I believe my account was wrongly closed because I have not performed any prohibited activity. After the call on XX/XX/XXXX, I stopped receiving transfers from any other FT members. I have been slowly transferring my money from my checking account at XXXX XXXX to First Tech with the intention of making my First Tech account my primary account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Debt was paid in XX/XX/2018. Please find copy of check tho this complaint. The company has yet to report this information to the 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had my loan serviced through Ally Finacial and have decided to surrender my unit due to threatening collection practices being done by the collections department. They use different numbers to get a hold of customers and went as far as calling me blocked on several occasions. They would threaten me to pay and would tell me that my car was going to get repossessed even though at times I was only a week or two behind. The agents would not notate the account and when I called in they denied this. This is called deceptive phone practices and I feel like I was being discriminated against due to my race. I want to put together a class action lawsuit because I know I am not the only customer that his happened to. I have a record of the calls and voicemails from blocked numbers. Please reimburse me my funds and treat your customers right. You can not call blocked and or stop documenting accounts. I will post on social media and also send a complaint to the attorney general and federal trade commission.

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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

State Collection Services Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, Transunion credit report had negative collective items reporting due to a mistaken identity ( similiar name ). Transunion removed the negative items, but still reported them to existing lenders. I request that transunion send updated copies of my credit report to all existing lenders. This took place in XXXX of 2018. As attached below you can see a snap shot of XXXX XXXX 's transunion credit report. XXXX XXXX 's score dropped significantly in that month due to fraudulent information reporting.

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 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax several times to remove a fraudulent hard inquiry from my credit report that was made on XX/XX/2018 by XXXX, i have provided a PDF from XXXX credit card services stating this hard inquiry needs to be removed from my Equifax credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I have been contacted on numerous occasions by this company who claims to be affiliated with National Credit Adjusters, LLC/XXXX XXXX and XXXX XXXX XXXX XXXX ( Attorney Firm ), XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( Office Phone XXXX ) On most occasions I have been dealing with a person named XXXX, who has been very rude to me and my family members. This company has also contacted members of my family ( parents, in-laws, children, & stepchildren ) in their efforts to collect this so-called debt. They are claiming to be trying to collect a debt from XXXX XXXX on an overdrawn old checking account from more than 8 years ago. I was instructed by XXXX to contact the collections & recovery department for XXXX XXXX which I have done. The bank shows no record of any accounts in my name which were previously or currently sold as a collection for me. This company has continued to harass me and my family members by phone, threatening that they are sending a process server to my home as they are filing a judgment and civil collection action against me. I have checked local court records and no such information exists on my. I have requested documentation from this company in writing regarding this alleged debt which they have not produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am lodging a new complaint on an ongoing issue because my original complaint ( XXXX ) was closed out, although Transunion did not completely fix the problem. 

This is a joint account and they have failed to fix the error in reporting for my husband. When I spoke to Transunion on the phone yesterday XX/XX/XXXX, they claimed they had contacted our credit union and verified that we are late on payments. Today I spoke to our credit union and they said that have never been contacted by Transunion. In other words, the Transunion " supervisor '' I spoke to yesterday lied to me. If we were delinquent on our payments, how is it exactly that Transunion is able to clear it up for me but not my husband? I called Transunion today to report that the supervisor had lied to me. They refused to explain to me what their own internal process is for protecting consumers against this kind of dishonest behavior ( and were incapable of having a real conversation. The representative I spoke to today literally kept reading the same lines over and over word for word instead of responding to my concerns. It's baffling that they pay humans to read scripted lines when they can just have a computer do this ). We still have no resolution and this has been going on for 2 months. Again, the other two bureau 's are having no trouble whatsoever reporting correctly on this account. The account has a {$0.00} balance and has had for months, including the months that we were supposedly delinquent.

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 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
YOUR COMPLAINT I already have filed one claim regarding the XXXX XXXX Scam that I was a victim of in XX/XX/XXXX/XX/XX/XXXX where I wired money to people that I thought I knew from a dating website. 
On XX/XX/XXXX I wired funds in amount of {$12000.00} from my personal banking account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, phone ( XXXX ) XXXX, to Wells Fargo Bank, XXXX XXXX, Account : XXXX in XXXX, Pennsylvania. Little did I know before hand that this wire was ultimately going to XXXX and Wells Fargo stopped it before this lady could send it out to XXXX. Thus Wells Fargo has been holding this {$12000.00} until now waiting for my XXXX XXXX XXXX to send them a Letter of Indemnity to release the funds back to my account. My XXXX XXXX XXXX is refusing to do this due to liability. I have been with this credit union since XX/XX/XXXX and they know who I am and should know that I was a victim in all of this. I am now close to XXXX years of age and can get no one to help me get this money back into my account. Please advise me as to what I can do on my end to get this done. Thank you so much in advance for any help that you can give me. 

Please see the attached correspondence regarding this issue as of XX/XX/XXXX. It will help you understand more the timeline and see that I was instructed to file complaint against Wells Fargo and not the XXXX XXXX XXXX.

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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I purchased tickets from an independent seller on XXXX on XX/XX/2018. The seller provided me with his name, email address, and phone number as we discussed the transaction. In exchange for the tickets, I transferred {$430.00} to his XXXX XXXX XXXX checking account from my Chase checking account via Chase XXXX ( XXXX ). Shortly after, his phone was disconnected and I never received the tickets. 

I tried contacting XXXX no less than ten minutes after the transaction, and they told me that they were not liable and would not cancel the transaction. I was under the impression that my bank had fraud protection and that I would be able to cancel the transaction in the case of a scam. They were unwilling to assist me and would not even offer a 'courtesy ' refund. This seems unreasonable, especially because Chase advertises XXXX as their own money transfer system. XXXX and XXXX offer these services to users. Chase, a financial institution, should do the same for those banking with them. I have lost all trust in managing my money through Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XX/XX/XXXX : I noticed by reviewing my credit report that a new credit card account had been opened, without my consent. I did not open the account, nor did I receive any credit card in the mail, and therefore did not have an account number to refer to. 

XX/XX/XXXX-XX/XX/XXXX : made several attempts to contact HSBC and close account, with no success. 

XX/XX/XXXX : wrote letter to HSBC demanding the account be closed and a letter mailed to me stating such. I filed a police report. 

XX/XX/XXXX : I still have not received any correspondence from HSBC, and have never received anything from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I contacted " XXXX '' to initiate service in my new apartment was told I have an outstanding debt that I'm not obligated to pay due to the debt being over 5 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted Experian several times about an unauthorized XXXX credit card hard inquiry made without my permission on XX/XX/2018, i have told chase i did not make that inquiry, today XXXX has also confirmed that i did not make that inquiry and has asked Experian to remove it from my credit file. I have submitted a PDF file provided to me from XXXX supporting what i said before.

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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix financial serv. XXXX XXXX XXXX XXXX is claiming that on XX/XX/XXXX I have a Debt of XXXX dollars for medical services.. I did not have any medical services done to me.. they have charged me for some association doctors cost.. this is not right ... and this is unfair practice ... and this is not me .... the contact information they have provided is XXXX XXXX XXXX XXXX XXXX , IN XXXX.. phone Number XXXX XXXX XXXX XXXX.. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I opened a card with Capital One in XX/XX/2018. Everything was fine until I tried to make my first payment. I added my payment information as usual and everything was correct at that time. About 6 days later, the payment was charged back to my account and I got an email saying that the account with [ not my bank ] was no longer able to be associated with the card. 

Then I got a letter from the fraud department that they thought my card was opened by an identity thief, so I called them. They informed me that they would need to verify my ownership of an account that ISN'T MINE that I told them isn't mine. They refused to unlock the card until I could prove such ownership. 

Left with no other option, because obviously I can't prove ownership of an account that isn't mine, I closed the account. Ironically, they let me close the account without proof of ownership.

Company response to consumer: Closed with explanation