vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Management Incorporated
State: ME

Complaint narrative:
Capital Recovery Systems left two ambiguous voicemails on our answering machine for my wife. Did not leave company info. Message implied that something bad would happen if caller was not contacted by XXXX XXXX. I called the number that was left on the answering machine. Woman who answered phone said her name was XXXX XXXX. I asked her to identify the company or agency she was with. She refused. She used the callerid information to identify me and deduced that I was calling about my wife. Being concerned about identity theft or another scan I requested that she give me her company or agency name at least 20 times. I said that I would report her call to the FBI as a possible scammer. She still refused. Eventually I brought my wife into the room and we both talked with XXXX via the speakerphone. XXXX then revealed her company name, Capital Recovery Systems, and that she was calling about a debt. She said that we had to pay the debt before XXXX or be marked as refusing to pay. I asked if they had sent a written notification and XXXX said they " just sent it ''. We do not appear to have received such a notification. There was no information give to us over the phone about a right to dispute the debt. We were then asked how we planned to settle it. We told XXXX XXXX that we would address the matter once the written notice was received. She said we 'd be marked as refusing to pay the debt. I told her that we would reporting her company to the FTC. We reached XXXX XXXX at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a safe deposit box at Bank of America in XX/XX/XXXX or XX/XX/XXXX. The safe deposit box was subsequently closed and the keys were surrendered in XX/XX/XXXX. At the time of the closure, they were unable to find the documentation to close the safe deposit box ( I believe it was my original signature card ). In XX/XX/XXXX or XX/XX/XXXX, I received a notice in the mail saying that I owed a balance for the safe deposit box, and was told by a customer service representative when I called the XXXX number that I needed to contact the branch directly. I spoke with a teammate at the branch and was told that they would research the issue and follow up with me. I called back a week later and was told the same thing. On my third attempt to resolve the issue, I was told that my records were found, and the issue would be corrected. Also I was told that I would be sent a confirmation of closure via mail. In retrospect I never received the confirmation via mail, but as I was told the matter had been resolved I did n't think to follow up again. Today I received another Payment Notice for the safe deposit box with an outstanding balance of {$350.00}. I have n't accessed this box in over a decade now and the last time it was accessed was to validate that it was emptied and surrender the keys. I remember there being an access log, and it should show that I have n't accessed the box since XX/XX/XXXX or earlier. Massachusetts echeatment rules for safe boxes state that after one year of delinquency the bank should send me a 60 day escheatment notice, and escheat the contents to the state. Why am I still being billed for a safe deposit box that has been dormant for over 10 years AND that I closed 10 years ago? I do n't know what records are actually available for the account but certainly there should be record that this account has been dormant for over a decade and that I 'm still being billed for it. This is unfair : the bank is intentionally not closing the box to continue accruing rent. It seems very deceptive. The box should have been closed out years ago and regardless the bank should not have charged me for rent year after year for a delinquent box.

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 2017-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a debt collection letter from Transworld Systems Inc. for an alleged debt that I do not owe. I called Transworld Systems and their customer service agents were rude, hostile, and deceitful in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Transworld Systems , Inc. I do not owe them any money. Transworld Systems Inc. has flagrantly violated the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: TX

Complaint narrative:
Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALLof the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message. Several days later I received mail that appeared to be the result of XXXX verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.

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 2017-07-31 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: TX

Complaint narrative:
Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of XXXX verifying that all of the
requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.

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 2017-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Around   XXXX   2017 I received an email with a promotion being ran by Capital One I answered my information as outlined in the application and received a quick response that I was approved for a   XXXX   credit limit and {$300.00} credit limit the cards took about a week and a half to come when I got the cards I called to activate and was told the cards have been restricted do to some fraudulent activity but it is the fault of the card issuer they deeply apologize and say that several people received an offer they were not supposed to and they had to cancel the accounts my question is is n't that discriminatory my credit is my credit regardless of their offer they said that I could reapply which I did a couple times and was quickly denied because I had a pending or previous application with them but I was only following what they were asking me to do so I want to know how does my credit give me approved through a promotion and then without the promotion it does n't so who are they marketing this promotion to what demographic of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX  amount  XXXX , I was made a dispute at XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XX/XX/XXXX amount  XXXX , I was made a dispute at  XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Account not being updated. my deposits are n't being  showed to 3rd  party companies to allow their records to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: FL

Complaint narrative:
I responded to an ad last night online by Royal United mortgage services stating that they may be able to get me a better rate if I financed my mortgage with their company. I filled out a brief form with my phone # and address.
This morning as I was sleeping in the other room I could hear phone calls coming in one after the other non-stop for about 20 minutes. I did n't answer them and tried to determine where they were coming from based on the area code,  XXXX . This afternoon I finally answered a call from one of their agents and told her how unhappy I was with their attempt to reach me. She had no explanation and said my number would be taken off their list. Then more calls came in from the same area code and another one, Clearly these  XXXX  have no respect for anyone 's time or use of phone service. I have NEVER EXPERIENCED ANYTHING LIKE THIS BEFORE. They appear to be based in Indianapolis or somewhere nearby

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX-received a letter from XXXX XXXX that my account was assigned to them from Washington Mutal in the amount of {$13000.00} for debt if {$5400.00} and interest chrarges of {$8000.00} XX/XX/XXXX-replied requesting validation of said debt, along with proof of statute of limitations not expired, that they were licensed to collect in my state, their license numbers, agreement with creditor authorizing they can collect debt, agreement bearing my signature that I agreed to assume debt, valid copies of debt agreement. XX/XX/XXXX I received copies of old statements dated from XX/XX/XXXX, and 3 from XX/XX/XXXX. Last was dated XX/XX/XXXX. I contacted the number on the old statements Since Washington Mutual went under, I was referred to JP Chase, who had no record of this. I know for a fact that This account was paid/settled for less than amount owed with Washington Mutual in XX/XX/XXXX. Last correspondence with Washington Mutual was XX/XX/XXXX. It was reported on all 3 credit reports as such and was also removed from all credit reports in XX/XX/XXXX. I do not have these old records as when they were removed, and I did not believe I needed to keep old paid records. I checked with the credit bureaus also but once they are removed they have no record either. I never received any other correspondence about this debt from any other organization, only from Washington Mutual. I 've never received any correspondence before XX/XX/XXXX from this company before. XX/XX/XXXX I received another letter from XXXX stating I am the correct consumer for this account and they expect payment. I have not responded yet, as I believe this time period between last contact with creditor is past 8 years and this debt has become statue barred, plus they ca n't collect on the same debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I attempted to purchase a gift card from giftcards.com and was denied. I thought I listed my card info incorrectly so I tried again. I barely hit the purchase button when I received an email it was denied. I called the company and spoke with a supervisor who stated he could not tell me why it was denied. I had enough money in my account but called the bank, just to make sure something else did n't cause the decline.
In checking online, many people have had the same issue and the company will not explain why you are be declined.
It is unfair that a company can randomly decline you and give you absolutely no information as to why. When you get denied for other things, the business must explain why - this company should also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
On complaint # XXXX which was filed with The Consumer Financial Bureau about North American Credit Services the collection agency agreed to remove from all 3 credit file, all account with their agency while they rebilled to XXXX XXXX. The accounts that were placed with XXXX credit were removed. However the same account were also placed on my XXXX credit and were not removed a total of 13 more accounts. Can you please request the removal of the additional 13 account that were placed on my XXXX credit file. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
Hello, approximately 6 months ago XXXX XXXX form a co named Brown and Joseph in ILL called me and said they were collecting a dept from and insurance pollicy for my workers comp that i failed to properly complete my audit. i explained all moneys were paid and that i changed insurance cos. He said he was going to file a lawsuit and lein my house and co but if i gave him {$3000.00} he could reopen case and tell me what costs were from. I foolishly paid him and set docs. He contacted me agin to collect, when i researched his co found many complaints like mine .He is rude and is harrassing me with phone calls. please let me know if there are ways i could get my fraudulently taken funds. There contact info is below. Thank You XXXX XXXX, Brown and Joseph limited management and consulting XXXX XXXX XXXX # XXXX Rolling XXXX iL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I have a loan with Mobiloans LLC which I have given 16 bi-weekly payments totaling {$2100.00}. It recently came to my attention that Mobiloans LLC is owned by the XXXX XXXX XXXX of Louisiana and it does not have a license with my state, the state of California, so my loan is illegal and void. I sent them a letter explaining this issue and told them I would pay only the principal balance and not the fees. Adding all my payments together I have overpaid my original loan of {$1000.00} I took out in XX/XX/XXXX plus the the additional loans of {$600.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX and {$200.00} in XX/XX/XXXX. In the letter I stated the overpayment, asked to have acknowledgement that my loan is paid in full and my account updated to reflect this and then closed. I also asked for a refund of my overpayment and told them of my revocation of ACH authorization as well as no contact by phone to my home, cell phone, or employment, or my references for the loan. They responded with generic responses and then said Mobiloans LLC ownership by the XXXX XXXX XXXX of Louisiana is governed federally and does not need a license to operate in any given state and that I still have a balance of {$1400.00} which I need to pay. With the outrageous fees that they charge and every payment I have made, I want them to consider my loan satisfied in full because my loan with them is illegal and void and I will only pay the principal which I have. My last payment to them was on XX/XX/XXXX for {$120.00}. For example, for this last payment of {$120.00} only {$35.00} goes towards the principal the rest is all fees.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
This is my last effort to resolve this matter before I pursue to taking legal action.
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I had received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX? ) representing Portfolio Recovery Associates, LLC regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is Portfolio Recovery Associates that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX Portfolio Recovery 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, Portfolio Recovery should be monitored more closely as their workers do n't sound licensed or that it is current. Portfolio Recovery Associates is aware that XXXX, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.

Company response to consumer: Closed with explanation