vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: IA

Complaint narrative:
This matter started back in XX/XX/XXXX after I received a letter from NCB. See attached. 
NCB letter stating : Dear XXXX XXXX, Your XXXX XXXX XXXX XXXX XXXX accounthas been purchased by our our company, NCB  Management Services , Inc. Now that we own and service your account, you may be eligible for payment options that werent available before XXXX XXXX XXXX XXXX charged off an account. Since XXXX NCB has handled this as a debt collection matter and the account as a charge off. I replied to NCBs letter and requested validation disputing the debt and their failure to notify me writing within 5 days of the initial phone call NCB made in XX/XX/XXXX.I followed up again disputing the debt and the failure to provide written notice within 5 days. 

In XX/XX/XXXX Experian posted a notification, from NCB that the previous balance was reported as a new balance. On XXXX I was notified by XXXX that NCB was reporting my account as 30 days past due to XXXX. 

My complaint consists of multiple parts. 
1 ) NCB exceeded 5 days where a debt collector provides written notification to the debtor. 

2 ) NCB acquired the debt in XXXX from XXXX XXXX XXXX XXXX who charged off and continued to show as charge off through XX/XX/XXXX. Then NCB reported new balance activity and has changed from a charge off to a delinquent account for debt collection. Since NCB acquired as a charge off it is against FDCRA to report the same charge off as a delinquent account. The balance of {$3700.00} remains the same going back to NCBs XXXX letter. 

3 ) A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. Reporting old debts with false updated activity dates, may violate certain sections of the FDCRA. When NCB reported new balance to credit bureaus in XXXX they were knowingly violating FDCRA, by reporting as new balance. 

4 ) By NCB neglected to communicate in writing in XXXX at the same time they reported to credit bureaus. NCB has been reporting charge off to credit bureaus since XX/XX/XXXX. A charge off can not be reported as a new balance and delinquency 2 years later. I have not received any written notification, from NCB about a new balance or new activity. This egregious action by NCB denies me the right to dispute. 

Currently I added a security alert to my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XX/XX/2020, Santander Bank has been charging me Overdraft Fees for purchases I originally had enough balance to cover from. 

I have activated all the types of Overdraft protection given by this bank : Even my card is not supposed to authorize any payments when I don't have enough funds to cover a purchase, and still, overnight my balance becomes negative and therefore I'm charged. I'm very tired of discussing with the bank people who can only 'speak to what they see ' and don't know the processes of their own products. 

There's even XXXX transactions authorized in my account that supposedly overdrafted it, however, XXXX doesn't authorize any payments unless you have funds to cover them So, how did XXXX was capable of overdrafting my account in the first place?

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.

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 2020-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
phoenix financial services collection agency bought a old medical account from another collection agency which that debt was removed deleted from my report long ago the are now trying to re ageing this account and put it on my my credit report as a new account originally XXXX XXXX XXXX which I have not entered any binding contracts or signed anything with any of these companies! not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
I filed a dispute for Unauthorized Transactions # XXXX I had card # XXXX however that card was stolen. The reason I had to file the dispute in the amount of {$730.00}. I have another card ending in # XXXX. 

My provisional credit was granted on XX/XX/2020 per letter from Direct Express in the amount of {$730.00}. 

AS of today XX/XX/2020 : The provisional credit has NOT yet posted to my card ending in # XXXX. I have tried to contact Direct Express to NO AVAIL. I'm currently on hold going on 50 mins NO ONE is answering to assist me. Per the letter from Direct Express dated on XX/XX/2020 : I suppose to have FULL ACCESS TO THE FUNDS! FULL ACCESS TO THE PROVISIONAL CREDIT OF {$730.00}. 

However, the Provisional Credit has NOT yet posted to my card ending in # XXXX. I DO NOT HAVE card ending in # XXXX anymore. # XXXX was stolen from me this is why I had to file the dispute. 

REMEDY : I WOULD LIKE MY provisional credit posted to my card account ending in # XXXX. Per the Direct Express letter dated XX/XX/2020 I suppose to have access to the Provisional Credit in the amount of {$730.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX I received a debit card from SunTrust. I have never been to a SunTrust or opened an account online. However, I do bank with BB & T, who was bought out by SunTrust so I assumed that as why I got the card. I went to the website listed on the card to activate the card. I was asked for and provided the card information and my SSN. When I wasn't given an option to set a pin number I called the number on the card and was told that it was fraudulent and I needed to submit a claim.

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 2020-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I have applied for a loan of {$1000.00} dollars and I did not sign loan agreement from this predatory company. After researching XXXX I see that many people have been duped. I wouldve ended up paying {$5600.00} after interest payments. I will now monitor my credit cards and banks to see if they are going to go ahead and process their scam. In a time of need when many people are struggling we dont need people like this. I have used CFPB once before and along with the DOJ we successfully sued XXXX XXXX for the CRSC violations. Quite simply XXXX needs to be shut down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of Mercantile Adjustment Bureau that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of XXXX XXXX. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Nearly 70 days ago I sent a letter identifying numerous inaccurate accounts being reported on my credit report. I asked for help in the matter and the bureau repsonded with false accustaions in an attempt to stall this process. It is clear i am being ignored and that they are taking advantage of me and the current time we are in. I have not hired a credit repair company because i dont need to. If my report is wrong than it is wrong. I dont need a credit repair company or anyone else to tell me that. I have eyes and i can read. I am demanding these items be removed. Its effecting my livelyhood. Under FCRA these accounts must be deleted.

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 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I told them to stop calling my phone and they continue to call me everyday at all different times of the day and night. They call me from different numbers and sometimes they even call and hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-08-29 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
1 ) XXXX XXXX has two inquiries in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared for XX/XX/XXXX and another for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX 2 ) American Express has two inquires in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared in XX/XX/XXXX and XXXX XXXX American Express  XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express Card Holder since XXXX. I have been a Platinum Member with {$750.00} Annual Fee for 2 cards for several years. 

On XX/XX/XXXX, I called American Express to ask that a {$4400.00} charge be moved to pay over time, because I needed to help family members who were impacted by unemployment related to the pandemic I stated this was a cash flow issue that I was experiencing in the short term since they needed the money immediately, so I needed to spread this payment out over time. 

The agent stated that my pay-over-time feature had been suspended. I was unaware of the suspension and the agent said they had sent out a notice the previous year. I did not remember seeing a notice. 

The agent was cordial and accommodating and stated that she had contacted the pay-over-time department and the feature would be activated on XX/XX/XXXX or XX/XX/XXXX and if it was not to call in and have an agent move the charge to pay-over-time. 

I called back to the company on XX/XX/XXXX ( my payment due date ) when I was not able to move the charge following the agent 's instructions. The new agent told me that the pay-over-time feature was not going to be reactivated and I asked to escalate the issue to a supervisor. The supervisor and I talked but the issue was never resolved. 

On XX/XX/XXXX I paid the delta of the {$960.00} delta between the {$4400.00} and my remaining balance. The supervisor never resolved the issue or called me back. The put my account into collections. Collections has called me over and over and over again the past 7 days and the account is not even 30 days past due. 

I spend 2 hours on the phone with them again on XX/XX/XXXX and they stated the initial agent made a mistake and they apologized, but they were unwilling to do anything to work with me on the issue and would continue to put me into collections and reflect negatively on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a Care Credit account ending in XXXX. Well a few weeks ago I noticed that a promotional balance was not be applied correctly and that at the rate it was going it was going to expire with interest. I contacted them told them and said I would contact the XXXX. Well a few days after that the account was closed and the reason given -Activity on account with Synchrony Bank indicative of high risk of failure to pay. 
Now this is a totally false accusation. I have had account almost 2 yrs never late paid above minimum and paid all my promotional balances off on time. I feel this is retaliation for me complaining. And here is the proof they went and closed my 4 other accounts with different merchants that use Synchrony Bank. All with same reason. A paypal credit, pay pal mastercard, Dick 's Sporting Goods, Amazon and Car Credit. Some of these accounts had XXXX balance and again never late. I feel they also are closing me because I hardly if ever pay interest and pay off all promotional balances before they expire or pay of in month. I ask you please do a XXXX serach and see that this is a common practice with them. Also Walmart filed suit against them for doing similar practices. This is hurting to my credit report and my relationship with each Merchant. My credit report will support me never being late and also I can show statements that show I paid on time and paid more then minimum most months

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