vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 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: NC

Complaint narrative:
BANK OF AMERICA is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$600.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delivered XX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 
In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX  & XXXX as of XX/XX/2018.

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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed bankruptcy XX/XX/XXXX. I was an authorized user on this credit card ( Navy Federal Credit Union ). My husbands credit report shows this account is included in the bankruptcy but on my XXXX   credit report it is showing this account as being currently late and with the remarks : Bad debt & placed for collection & skip. I disputed this incorrect information in XX/XX/XXXX and the beginning of XX/XX/XXXX. It has still not be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Around XX/XX/2016 I was moving to another address. I went from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was contacting all of my service providers to transfer to my new address. A XXXX XXXX representative stated my bill must be paid regardless of due date before a new account can be opened on a new address so I paid it off. With no written communication over the next two years of the debt owed, I received a notification from XXXX XXXX that XXXX sent it over to a debt collection agency called Convergence for {$55.00}. If you think I owed this debt, wouldn't someone attempt to contact me with a written notice to let me know I owed this money? I was still a customer so they had my new address. They claimed they called me 3 times but I have no call records. Within that 2 year time span, I've called XXXX numerous times for inquiries, technical support, etc and nobody brought a collection up. The collections agent claimed it slipped through the cracks. Is that my issue? XXXX XXXX needs to get it together. I heard complaints from friends and family that they were over billed for something and when XXXX looked over it, they corrected it. I believe that's the issue here. They are unorganized, and lack communication. They lowered my credit down a few points and I'm upset they couldn't notify me before placing it on my credit so I can confirm its accuracy. They stated they will not remove it and I owe it, but I know I do not based on the information above. 

Thank you, 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 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one Credit Card shows i have had three credit cards with the company too my knowledge i only open 1 card i have disputed other 2 as fraud even with all three credit breau with no help or prevail please assist why are cards keep being opened if deliquent cards exist makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
I received a alert from XXXX XXXX that my credit was ran at XXXX XXXX XXXX. I called the company and informed them my SSN was used and I did not use it. I realized during conversation that my SSN was obtained during the XXXX breach. XXXX XXXX Wanted me to send in a letter of dispute to get inquire removed from my account. I send information a week later during XX/XX/2017, this item remains on my account and affecting credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My account with Bank of America was closed due to fraudulent activity. The bank was well aware of the entire situation yet the only solution that was given to me was to pay the closing costs which totaled up to {$280.00} which came from my card being accessed once it got stolen yet every representative I had spoken with was aware that the paperwork they sent me to authorize the investigation I didnt receive because I changed address and even had given them my updated address. My account was closed XX/XX/2016

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 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
XX/XX/2018 XXXX  app has user that scammed me today {$250.00}. She listed an iphone for {$250.00}. From the app She blocks me after she picks up the money from XXXX XXXX XXXX XXXX at indiana. Her real name is XXXX XXXX. This is the money reference number XXXX I sent it through moneygram from CVS on  XXXX XXXX XXXX XXXX Florida. Please investigate her for me. She blocked me from the app when I called moneygram they said she already pick up the money from a local store around XXXX central time. It's too late can't do nothing if they have the XXXX XXXX info they could contact the police in the area regarding the scam today because this person do the same to another person like me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Area Collection Service, Inc.
State: TX

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, I received a letter from Metro Area Collection Service , Inc., a collection agency. The letter stated that I had ten ( 10 ) days to pay the alleged debt, however the letter was dated XX/XX/XXXX. I immediately contacted the agency and requested that they provide me with their bonding agent or number. Texas Finance Code requires : - All Third-Party Debt Collectors to maintain a bond with the Texas Secretary of State ( Texas Finance Code Section 392.101 ) The collection agency has failed to comply with my request and also does not hold a surety bond with the Texas Secretary of State. Metro Area Collection Service , Inc. is attempting to illegally collect a debt in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Recently, on XX/XX/XXXX, I was assessed a {$19.00} annual fee for this account. I attempted to seek a waiver of this fee as I have in the past, due to the age of the account and my loyalty I have generally had no problem getting the fee waived. I spoke to a supervisor in Capital One 's regular phone customer service department after a regular representative was unable to assist me. In the past 6 years I have had this account, I have been offered an upgrade/product change one time, and there have never been any subsequent offers available to enable this account to grow with me. I was offered a credit line increase once in the last 3 years of {$250.00}, and none since that time. I have other accounts with much higher limits. I have never been late or delinquent on this account, and yet Capital One has become even more rigid in terms of the account. The supervisor stated that fees can not be waived unless their " system '' determines I am eligible for a waiver, or I close the account within 30 days. She also stated Capital One has become less lenient in giving their basic representatives or supervisors the ability to waive fees as a courtesy. I would hate to close a 6 year relationship over a {$19.00} charge and the inability to provide any sort of limit increase or product change. This is currently my only account with such a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I opened an account with Santander Consumer through a XXXX  branch in GA. The account was sold to me as a single use account to cover the purchase made that day.

I made all timely payments, always more than the minimum amount due. On a XX/XX/XXXX instead of paying the required {$25.00}, I paid the account in full for {$230.00}. In XX/XX/XXXX I received a statement for. {$0.00} cents. I called and asked why I had gotten a bill when I had paid in full. The employee stated that it was interest on the number of days between my last bill and time paid. I told her that was silly and it would now cost me more than {$0.00} to pay then. I was then told not to worry about it. I didn't.

Then in XX/XX/XXXX I got a call about an outstanding amount. I disputed that on the call making it very clear that the account was paid in full and closed. The calls continued. I disputed. No luck. Now they have place a derogatory mark for charged off with credit bureaus for {$250.00}. An account I paid in full, called and cared for {$0.00} and closed is impacting my credit score and I was denied a mortgage because I lacked the desired 720. If they are insisting on their {$.00} I will gladly pay it but they are refusing to remove this mark from my credit report. In 7 years I have missed one payment on a credit card, and with utilization of 31 % this collections which is incorrect, unfair and a money grab is impacting my ability to buy a home. I want this removed from the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: NC

Complaint narrative:
The full touchscreen ATM located outdoors of BB & T XXXX XXXX XXXX XXXX XXXX, NC XXXX does register " touch '' in extremely cold and extremely hot weather. I have wasted gas and time TWICE going to this location outside of regular business hours only to realize there are no push buttons for choice selection and my finger touches would not work. I spoke with XXXX about my frustrations on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, the weather was cold and the ATM touch sensitivity FAILED. Now, the weather is hot and the ATM touch sensitivity is still FAILING. This location is also where I had a rude and disrespectful banker named " XXXX XXXX XXXX, NMLS # XXXX '' to tell me that I should " pay my bills '' despite the bank emptying my bank account to satisfy a sheriff levy for a ten year old unsecured platinum credit card. I am very frustrated with this location. There are some good people working there, but the bad ATM service is just unacceptable! I don't want a third wasted trip to the ATM. Can they provide better machines with push button capabilities? XXXX said that he would escalate my complaint since it was my second time calling this year.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
They threatened to take me to Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a reoccurring transfer from Capital one checking to XXXX. All of sudden Captial one will not let me access the account for the transfer to go through. Says Capital one is blocking it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have no clue as to why they are still charging me. I returned the cable boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2018, I received an alert from XXXX  credit monitoring that " XXXX '', with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and phone number of XXXX obtained a copy of my XXXX  credit report for a " home retail loan '' without my consent or authorization. 

I immediately contacted XXXX  to dispute the credit inquiry, and, at XXXX XXXX   direction, contacted Kohl 's at the number given on the credit report next to alert them that they pulled my credit without authorization and to try to get more information regarding what I assume was an identity theft issue. I wanted to make sure that no unauthorized credit account was being granted in my name, since it would be fraudulent. 

Kohl 's was utterly unhelpful and completely unprofessional. They refused to assist me. Incredibly, they refused to transfer me to their fraud department. Specifically, the customer service representative told me that " the fraud department would not take the call, '' even after she confirmed that an account had been applied for with my name and current address, without my consent. 

Later that day, I learned from several other of my credit card companies that my identity had been stolen and was being swiftly used to make unauthorized retail purchases, so I am sure that someone used my stolen identity to try to fraudulently open up a Kohl 's account in my name. I am still speechless at how Kohl 's did not care that they violated federal law by pulling my credit without my consent and completely refused to help me. 

After my failed conversation with Kohl 's, I filed a report with the FTC and mailed the FTC 's recommended letter to Kohl 's disputing the unauthorized obtaining of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I have an unverified account from AD ASTRA RECOVERY SERVICES I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3.  Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation