vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK

Complaint narrative:
On  XXXX   XXXX   2017 Wakefield & Associates  posted a collection in the amount of {$410.00} to my credit report. I did not receive a letter regarding this debt and have no idea what it is so sent a debt validation letter via certified mail on  XXXX / XXXX / 17 . Tracking showed it delivered on  XXXX . I have not received any response but I was under the impression they are not allowed to attempt to collect or continue updating regularly to the bureaus until they verify the debt. They have updated on my reports 3 times since receiving my request on  XXXX . Once on  XXXX , once on  XXXX , and once on  XXXX . I submitted a complaint on BBB last week and have yet to receive a response. Also, the alleged debt is said to be from my local hospital but the hospital is not familiar with this collection agency. I want it removed from all of my credit reports.

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 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on  XXXX / XXXX /   2017  &  XXXX   XXXX ,    2017  to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through th e USPS  that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe  XXXX  $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act &  Protection under the FCRA Section 623.    I need this to be removed from my credit report due to this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter  from Sams Mastercard serviced by Synchrony Bank yesterday,   XXXX  /17 stating they will be closing my account.    This company first lowered my limit a few months ago and now they plan on closing it by months end, which is around the  XXXX  of the month.   I contacted them today on  XXXX / XXXX / 17  to explain to them to please look at my payment history as I 'm a good payor, have never defaulted or have been late. They did n't even care, they explained to me to reapply once account is closed. I 'm trying to prevent it from being closed.   I have  XXXX  other accounts wit h Synchrony and they are doing the same thing. They start lowering limits eventually leading to closure.

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 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have sent written notification to Hunt & Henriques requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2017  I received another letter from  GC Service Limited Partnership af ter I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  XXXX  and GC Services with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Documen  ts i.e. State ID & Social. After receiving all the necessary docum
entation from me to block this fraudulent account from my credit profile per 605B o  f the FCRA they had removed it from my credit report.
<P/>
All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently bega  n to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2017  under the guise of " 0 % APR for 12 months '' I applied and was accepted for a credit card with Navy Federal Credit Union. I was doing a balance transfer to avoid paying interest for 12 months from another bank. To be clear, there is no reason I would have ever applied for this card had I been informed that I would be paying interest right from the start at an even higher rate than the credit issuer I was transferring from. I was mislead by a representative over the phone and by dubious and unclear marketing materials that were on their website. I have tried to resolve the issue with them but they have said that unless I have the promotional code, there is nothing they can do.     Here is a link that I found which was exactly what I was expecting the terms of the credit card to be.     https : //www.navyfederal.org/srenlisted/includes/SROcreditCards.php

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD

Complaint narrative:
They called at  XXXX  on  XXXX   XXXX ,  2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I found out today that my daughters bank account has a levy hold on it from Velocity collections according to them for a debt I owe ( my daughter is  XXXX  so I had to be on her account however it is all her paychecks and gift money from family ). According to them they have a court order for this however I was NEVER notified of any court case regarding this debt. The debt is also well ov er 4 year old which is past the statute of limitations in PA as far as I could see. They are trying to take my daughters hard earned money for a debt I do not believe they are legally able to collect in this way, or at all. I am. It sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On  XX/XX/XXXX  I called Experian to have them remove a debt that has been reported on my account since  XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor Experian could remove this item. Knowing the laws and my rights, I was very unsettled to hear that Experian does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General ' s Office of C olorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for Experian to stop reporting this debt ASAP according to  Federal law .  <P/> Account that is past this 7 year record retention is as follows :   XXXX   XXXX   XXXX   XXXX   Acct # :  XXXX  Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and   XXXX    with a s tart date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   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 explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First of a ll I filed a complaint against chase Bank for the  XXXX  family trust I am the trustee of the estate the first complaint was not resolved yet case number  XXXX  Chase bank said that they will contact me that was a week ago.Also I had request the history of the accounts with  XXXX   XXXX  name on accounts so that I can account for all assests both  XXXX  and  XXXX   XXXX  the  XXXX  are both deceased I would like all history statements from  XXXX   XXXX  to close out the estate.they refused to release history statements because my name is not on the accounts but in fact as trustee the accounts belong to me and the  XXXX   family trust

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have sent written notification to  XXXX   XXXX   XXXX  requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
BANKS OF NORTH CAROLINA   NC General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2017  I received another letter from  XXXX   XXXX   XXXX   XXXX  after I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  Chase an d   XXXX   XXXX   with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Document  s i.e. State ID & Social. After receiving all the necessary documentation from me to block this fraudulent account from my credit profile per 605B of the FCRA they had removed it from my credit report.
<P/>
All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently began to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is   now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This relates to on going complaints/investigations currently underway. As of recent,  XXXX  reports  XXXX  of  XXXX  student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in  " Charge Of f ''. In fact I have recently ( see attached ) recieved a letter from  XXXX   XXXX   (  affiliated with  XXXX  ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by  XXXX  concerning me and my Daughter,  XXXX   XXXX   XXXX . We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed ''  XXXX  reports this  XXXX  times concerning a single loan. Originally  XXXX   XXXX  checks had been issued by  XXXX  for a single school years and concerning the same time period. This does not constitute  XXXX  loans let alone  XXXX  loans late all at the same time. And at no time had any of these loans been in  " Charge off Status ''.    To date,  XXXX , has exceeded sisty days to provide copies of original documentation as demanded. Additionally,  XXXX  has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.

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 2017-06-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This relates to on going complaints/investigations currently underway. As of recent, XXXX reports one of two student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in " Charge Off ''. In fact I have recently ( see attached ) recieved a letter from XXXX XXXX ( affiliated with XXXX ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by XXXX concerning me and my Daughter, XXXX XXXX XXXX. We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed '' XXXX reports this three times concerning a single loan. Originally three three checks had been issued by XXXX for a single school years and concerning the same time period. This does not constitute three loans let alone three loans late all at the same time. And at no time had any of these loans been in " Charge off Status ''. To date, XXXX, has exceeded sisty days to provide copies of original documentation as demanded. Additionally, XXXX has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.

Company response to consumer: Closed with explanation