vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A teen  account was open for my XXXX-year-old daughter with Capital One financial institution Bank XX/XX/XXXX. My daughter received on the many employment search sites a check that she was instructed to deposit. Naively she deposited this check. When some funds cleared she made the withdrawal of {$500.00}. The check was later deemed fraudulent by the bank and the account was closed. My daughter now understanding having had a conversation with myseld was instructed she would be responsible to repay the money. She worked part-time and was able to make a couple of deposits. Her job ended and school resumed. This summer of XX/XX/XXXX she secured a job as a XXXX XXXX XXXX. She made the remaining payments. XX/XX/XXXX she attempted contacting the security team to order another debit card and her account was declined. I want to know if she has been reported to the XXXX XXXX Banning her from opening account anywhere. Yes she made a mistake yes she was scammed like many others, more financially literate persons than a XXXX year old. This is not an attempt to minimize the severity of the offense but to understand the age bracket of the accused. She suffered the consequences with the removal of the account in the era of Technology a card is much of a requirement in order to function in daily life living style. She learns her lesson she made restitutin of {$200.00} in XX/XX/XXXX. She's aged XXXX should she be penalized to this severity for the infraction? 

XX/XX/XXXX deposits {$1100.00} and {$110.00} Outstanding was {$290.00}. 
No money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have an account on my credit report with XXXX XXXX. It was in default and is negatively affecting my credit score. It has been paid in full. The item has been on my credit report for more than 7 years, and should be deleted. I took this up with both Experian and XXXX XXXX, to no avail.

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 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
A debt of {$42.00} was placed on my credit report for something that they claim i've owed since XX/XX/2013. The collection agency is Ability Recovery Services LLC and the client name is XXXX  XXXX XXXX XXXX. I have no idea what this is. I looked it up to see where the company was and I'd never been to either location. I never got a bill. I never got an explanation of charges. Only this negative mark on my credit. XXXX XXXX and XXXX   have deleted this debt. XXXX  did not. I need this removed ASAP as I am in the process of purchasing a home.

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 2018-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX card was taken over by Capital One. I have had nothing but problems with Capital One throughout my adult life and a quick search on XXXX shows that many others have the same issue. Capital One talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXX XXXX/ Capital One for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that Capital One does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if Capital One makes the correction or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
Account Number : XXXX This account closed in XX/XX/2017. They continue to send me bills stating they will withdraw XXXX per month. I contacted the company and told them the account has been CLOSED and they should not deduct any payments. I filed a complaint with the CFPB and the company 's response was to cease all future deductions from my bank account. 

Today, I received a bill from Check into Cash again! 

Please contact this company and have them stop all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX card was taken over by XXXX XXXX. I have had nothing but problems with XXXX XXXX throughout my adult life and a quick search on XXXX shows that many others have the same issue. XXXX XXXX talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXXXXXX XXXX/ XXXX XXXX for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that XXXX XXXX does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if XXXX XXXX makes the correction or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: CarMax, Inc.
State: NC

Complaint narrative:
I made my last payment to Carmax on XX/XX/XXXX. 
On XX/XX/XXXX, I refinanced my Loan through XXXX. A week later I called Carmax to confirm they had recieved the payoff check, They stated that they revieved the check. That is just hadnt cleared yet. The following week ... I went to co-sign for a truck for my son. I learned that they ( Carmax ) still had not cleared the check. So I called them. The same day I recieved a bill in the mail for my next payment. They stated that the check was declinded from XXXX because it was XXXX Short.Carmax never once called me to communicate this issue, even after I called to confirm they recieved the check. At this point I had already made a payment in the new loan with XXXX. In short.. XXXX had to refinance the vehicle AGAIN. Resulting in another inquiry on my report from XXXX. XXXX XXXX was apologetic. I was furious, because I did not want it reported to my credit. Carmax stated as long as they recieved the check within 10 days, they would not report it, XXXX overnighted the check, I recieved it the next day and then I overnighted it to Carmax. They recieved the check within 5 days from the conversation. I called to confirm they had received it. They in fact had, it was in processing. It was paid off by XX/XX/XXXX ( Shoulve been sooner ). Not only did they decline the check over XXXX ... After the payoff, I over paid XXXX ( Thats 2 whole car payments ). This delinquent payment needs to be removed from my credit. Due to the poor customer service and neglect of my documents from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
XX/XX/XXXX. I called Quality Asset Recovery, LLC in reference to two bills I received in my name. The creditor is XXXX XXXX XXXX XXXX and the bills were my children 's ; XXXX XXXX and XXXX XXXX. I called at approximately XXXX and asked to discuss why these bills were in my name. I spoke to a " case manager '' for this debt and asked politely for him to take the bills out of my name for they were not mine. He ignored me and asked me if they were my children I responded yes. He then said " well if they are your children they are your responsibility ''. I stated they were not my responsibility and I know my rights. He then started to harass me and intimidate me into trying to pay these debts. I told him if he did not take my name off of both debts then I would contact the Federal Trade Commission. He then said " well the best I can do is file a dispute ''. I then stated fine and I am still filing a complaint because of this situation. My information should have never been given to anyone from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. Also the dates on the notice for date of service is wrong it states XX/XX/XXXX. At that time my son and daughter were not living in this area. These bills are for cancelled appointments not even for actual services rendered. Pointless just a way for them to scam consumers. I am very upset that this creditor send my information to this debt collector. My information in none of their business and I wish to have my name removed from these bills and their data base. The one bill is in my correct name XXXX XXXX with an account number of XXXX, date of service XX/XX/XXXX. The second bill is is in the wrong name of XXXX XXXX, with an account number of XXXX, no date of service listed. Please have my name removed from these bills and do something with XXXXXXXX XXXX XXXXXXXX XXXX for selling my information without my permission. If you need to contact me you may do so by email XXXX for cell phone 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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX I received notification that a new collection account from PROCOLLECT , INC for {$550.00} was placed on my XXXX and XXXX  credit file for an alleged debt to XXXX XXXX. I have no knowledge of this account or alleged debt. I never receiving a dunning notice from Procollect Inc informing me of the debt and that they were in possession of this debt. 

On XXXX I disputed the debt with XXXX and XXXX  and that the account is not mines and I have no knowledge of this account. I also explained to XXXX and XXXX that I never received a dunning notice from Procollect and that this account needs to be deleted from my credit file. 

On XXXX I sent a debt validation letter to Procollect , Inc. 

On XXXX I received notification from XXXX that the account was verified and will remain on my account. XXXX has not been able to produce to me what was verified and by whom. No updated from XXXX has been received, however the account still remains on my credit file.

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 2018-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union froze all 11 of my accounts without any explanation in XX/XX/2018 but stating that I would be contacted within 15 business days. After that waiting period and not having heard anything back from Navy Federal, I  decided to contact them myself. I was informed that my accounts were closed and I would be given a reason in the mail but that I could appeal the decision in branch. I went through with the appeal letter and was told again that I would be contacted within 15 business days. I heard nothing for 3 weeks so decided to phone Navy Federal for an update. I was told my appeal was denied and that I could open another appeal and that the reason of the denial would be received in the mail, by me, within 15 business days! This went on for several months with my accounts being frozen causing a chain reaction of payments being returned with Navy Federal still charging me return fees! Prior to this, I had requested that those payments be stopped to prevent this but to no avail of their own! I held 3 credit cards with Navy Federal that were also frozen. Without any knowledge of the status of my account other than assuming they were closed, I decided to close the credit cards and all accounts myself due to the unprofessional nature of Navy Federal. It has been 4 months without any updates of any kind pertaining to my accounts. My credit score has decreased and loan companies that would pull from my navy federal have closed their doors to me due to not being able to debit my accounts. I operated my business 100 % through my business account and this caused huge problems from me that I am unable to recover from. I was told my credit cards were closed which caused negatives hits against my credit score. The damage is seemingly irreversible and never ending. The level of unprofessionalism is unreal and I can not believe that such a reputable credit union would conduct business in such a way towards its own customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
This debt collector is collecting a payday loan debt from 2012 that was done online XXXX This debt collector National Credit Adjusters as they are called contacts me on both my work phone number and cell phone numbers repeated even after being told not to contact me any further. This debt collector when they contact me on occasion when I have talked with them will not discuss the reason for their contacting me regarding this debt unless I provide them with my personal information even after verifying at least my name and home address or contact numbers as they have them. They want me to verify my social security number and date of birth which is well over the limit of verifiable information if you have already contacted the person you have reached. I have told them after verifying my name and home address and phone numbers if they can not continue the conversation with my personal identifiable information then there is no reason for them ever contacting me and to not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2018. This site does not seem appropriate for the type of complaint I have. My complaint/concern relates to information sharing. My personal identity and transaction information some how was provided to XXXX. First let me explain that my identity on XXXX is not the same as my banking information. Yet XXXX suggested a person I conducted business with three times through Wells Fargo 's XXXX service as a possible new friend. 

I called Wells Fargo and was unable to speak to anyone who could address this issue. I called the Federal Reserve Consumer Help line and they said that Wells Fargo was a national bank and not under their jurisdiction. I intend to try to contact XXXX executive offices and the FCC but filed with your agency first because the Federal Reserve Consumer Help desk suggested it.

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 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: KS

Complaint narrative:
Received a letter from AMOCAL Systems or XXXX, they use both names, stating that XXXX XXXX XXXX XXXX XXXX was owed {$5500.00} from me. I called them. They said the bill was for services provided to my adult son. I explained he was an adult and this is not my bi ; ll. They stated someone said I was responsible so I had to pay this or they were providing negative information on my credit to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The DeGrasse Law Firm, P.C.
State: LA

Complaint narrative:
I was served a petition from a sheriff out of the blue at the end of XX/XX/XXXX. I had no knowledge of the lawsuit. I contacted XXXX XXXX XXXX and informed them that I had not been given the opportunity to dispute the debt and that the petition was filed in the wrong parish. XXXX XXXXXXXX XXXX recalled this petition and sent me credit card statements for review. Upon receiving the credit card statements, I found thousands of dollars in unauthorized charges after I reported the card stolen. I have a police report to show my car was broken into. I sent 3 written notices on how to dispute these charges so that I would not be liable for them in the balance and never received any communication from XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX I was served another petition for lawsuit even though I had been making best efforts to settle the account with the law firm. The lawsuit was again filed in a parish that I do not reside in. I live in XXXX parish and the suit has been filed in XXXX parish. I have never lived in XXXX parish, do not own property in XXXX parish and do not have any ties to XXXX parish. 

I mailed a copy of my answer to XXXX XXXX XXXX that stated the lawsuit was filed in the wrong parish and that XXXX parish did not have jurisdiction over the matter. This was received by the law firm and can be confirmed by tracking number. XXXX XXXXXXXX XXXX then responded to my answer by filing an execution to obtain a judgment, again filed in the wrong parish. 

I contacted the XXXX XXXXXXXX XXXX a total of 14 times after I received notice of the court date in the wrong parish and received no resolution from the firm. The clerk of court in XXXX parish said it was the plaintiff 's responsibility to move the venue to the correct parish. The only statement I received from XXXX XXXX XXXX is that " the hearing will proceed. '' I informed the XXXX XXXX XXXX   that this is a clear violation of the Fair Debt Collection Practices Act in pursuant with 15 U.S. Code 1692i. The law firm refuses to acknowledge this and is trying to obtain judgment by deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CB1, Inc.
State: NY

Complaint narrative:
This company is attempting to collect a medical debt from a hospital. I was covered by my insurance at the time, and they continue to tell me that I owe money. Furthermore, they make harassing statements to me once a month, with things like this : " If someone owed you money and you sent them a bill, do you think you would deserve a reply? What is it going to take to get you to pay your obligations? '' The most recent correspondence was dated XX/XX/2018 - but I have been receiving messages like this for the past year, if not two. Also, the amount of the dispute is incorrect. They are adding interest and fees that are not something I am going to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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:
XXXX XXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.

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 2018-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Bank has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.

Company response to consumer: Closed with explanation