vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
I have a a unverified account from AARGON AGENCY. I had previously disputed this account. I have never done business with AARGON AGENCY. 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 AARGON AGENCY 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 AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Thursday  XX/XX/XXXX  I visited the local Wells Fargo branch in  XXXX , VA with the intent of completing a routine deposit transaction. The teller assisting me stated she was unable to deposit the check because it was made out to an individual and this was a business account. I asked the teller to review the account because the check has been deposited several times she became combative and said NO I dont need to. She proceeded to say " try  XXXX  where you belong '' I asked for the manager  XXXX  came over and nonchalantly said we ca n't help you. I asked for his manager, he replied " your wasting your time '' and he will not be available until after  XXXX . I insisted to obtain the information, he laughed and walked away. I took a seat in the lobby waiting over 15mins for him to return with the information. Upon returning without the information he asked if I ran " 1 of those home health care businesses '' I replied no and asked for the information again. He did not provide the information and stated they can not assist people like me. I have never felt more disrespected, and discriminated against.
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How can your complaint be satisfactorily addressed?
Have the check and transaction reviewed and accepted as it has in the past. The entire branch staff needs training on discrimination and check deposit policies.

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 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC.
State: KY

Complaint narrative:
I received notification from ABR Recovery Services in   XXXX   2017. They stated that I owed them {$1300.00} for a debt owed to   XXXX   XXXX  .
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I immediately disputed this account on  XXXX   XXXX , 2017 through email. I stated the reason for the dispute is that this company was the 5th company trying to collect on this debt, in which I had already made a payment with another agency and had a future payment plan.
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I received notification that the email was delivered on   XXXX    XXXX , 2017, but ABR Recovery Services failed to respond to my dispute. At the time I had an agreement with   XXXX   XXXX   whom was working on behalf of   XXXX   XXXX  .
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I received a call from ABR Recovery Services on   XXXX    XXXX , 2017. They were continuing to try and collect on this debt. I stated to them that I disputed this in   XXXX   and had no response from them. They proceeded to pass me along to an " account manager. '' The man stated that he owned the debt and would delete the debt off my credit report and offered me a 20 percent discount. I stated I was making my final payment to   XXXX   XXXX  . I made the final payment to   XXXX   XXXX   and have settled the account.
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On   XXXX    XXXX , 2017 I received alerts from   XXXX   XXXX    indicating a new collection account. ABR Recovery reported this debt to   XXXX   XXXX   and  XXXX  credit agencies. I instantly disputed the disputed this with  XXXX  Bureaus.
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ABR Recovery continues to submit false information to the credit bureaus and this is affecting my credit and making it impossible to achieve good rates and difficulty obtaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
i had a   XXXX   XXXX   card that had a balance of  XXXX  dollars on it and i have been making payments towards it since last  XX/XX/XXXX  but i have rencelly found out that they have the debt collection places min. payment is  XXXX  dollars whereas i was told it was  XXXX  is there anyway of getting this took care of because they are threatening to take me to court in a state i do n't even live in anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On or about  XX/XX/XXXX , I received mail from the gas company BP. It looked like replacement credit cards for me and my wife. I have had a BP gasoline card for about 30 years along with cards from a few other gas companies. This card looked a little different in color and I was puzzled by the Visa logo on the from of the card. I looked at my existing BP card and it does not expire until  XX/XX/XXXX  which was more puzzling as to why they sent a card a year in advance. After looking over the material in the envelope I relealized they sent me a general Visa credit card which I did not ask for.
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I called the number on the sticker on the card ( page 1 in the attachment ) and got to an operator who was trying to get me to give her personal information like SSN and phone numbers and I stopped talked to her. I hung up. I pulled one of the cards off of the letter and underneath was a different phone number cleverly hidden under the card ( page 2 in the attachment ). I again got a person trying to get personal information from me. I insisted on speaking to a supervisor and was transferred to a gentleman several minutes later. Upon pressing him about what I received and why. He told me that BP sent out a credit card offer with a OPT-OUT provision. This was incredible. I told him I get a ton of credit card offers in the mail and routinely shred them to protect my credit and never heard of this. I explained how upset I was at this deception and got very little support from him. I told him this was fraud and the credit card could have gotten into the wrong hands and since I was not expecting this it could have created a big problem.

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 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
i had a account with wells fargo and it is saying that there is a balance of {$920.00} and i have no idea where to pay this bill at and i feel like i shouldnt have to pay for an account or have it on my credit report if i have no knowledge of how to pay 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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: UT

Complaint narrative:
I pulled my credit report and found tha t Kimball Tirey St John is re porting on my credit report for over {$6000.00}. On all  XXXX  bureaus it is reporting different amounts between $  XXXX  {$6800.00}. I sent a debt validation letter o n  XX/XX/XXXX  and  XX/XX/XXXX  with no  proof of the validation.  Kimball Tirey St John sent  an electronic response to all  XXXX  bureaus and never sent me proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   was added to my collctions on my credit report and i never recived noticed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY
State: GU

Complaint narrative:
Declation of International human Rights Violation I have letter from   XXXX   XXXX   senior vice president, Address to my old address. Like, I stated in my first complaint that American Express discriminated me because of my nationality and American Express knew I had money in the Bank. I had business from  XXXX ,  XXXX ,  XXXX  as   XXXX   XXXX  . and now I received my latest information for my credit.
1.  XXXX - XXXX  FAIR 2.  XXXX   XXXX -GOOD 3.  XXXX   XXXX  VERY GOOD When  XXXX  and  XXXX  made a major mistake intentionally. for put the wrong four digit number on my social security including my wife. both this companies above had copies of my social security. I also send them the discovered of violation of the loan agreement with the   XXXX   XXXX   XXXX  .
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I am requesting the CFPB the Director for emergency legal assistance to assist me to transfer my money in to the   XXXX   XXXX   XXXX   account. this is involved wrong doing with in t he Financial Entity an d American Express, including the   XXXX   Credit agency to covered up the illegal activity within their own office. I never reach  XXXX  score before and I now discovered, I had very good score, according to the score I had with  XXXX . I fax few hours ago to have the Director of CFPB to help in this matter urgently please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: CA

Complaint narrative:
I have repeatedly asked for an update to credit report with all   XXXX   credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have   XXXX     XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

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 2017-07-17 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: AL

Complaint narrative:
XXXX    XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.
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The only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one. While I do now understand that there is a fee associated with the Security Freeze, I am more interested in the derogatory information being reported on my credit report.
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I have not received any more communication from TransUnion regarding this matter.

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 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . T  XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with TransUnion,  XXXX , and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to TransUnion,  XXXX , and  XXXX . In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to TransUnion and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by TransUnion and  XXXX  I wish that TransUnion and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have no knowledge of the debt. Requested original copy of bill and was emailed a generated copy that any one can make up on a computer. asked to for them to send an original copy with my signature on it. and they could not provided what I asked for.   XXXX   is in violation of HIPPA privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: UT

Complaint narrative:
I pulled my credit report and found that TSC is reporting on my credit report for over {$1300.00}. On all  XXXX  bureaus it is reporting. I sent a debt validation letter on  XXXX / XXXX /17,  XXXX / XXXX /17 and  XXXX / XXXX /17 with no proof or response of the validation. Per the credit bureaus TSC sent an electronic response to all  XXXX  bureaus and never sent me or them proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights under the wage earner law has been violated. My identity have been stolen. Fraudulent accounts were open while I was under  wage earner . My case numbers are  XXXX  and  XXXX . I was discharged  in  XX/XX/XXXX  on the first case &  XX/XX/XXXX  on t he second case. My drivers license have been stolen, social security card. My date of birth changed with all  XXXX  credit agencies. All of my former employers have been changed. All of my former addresses have been changed. A seven year fraud alert have been placed on all   XXXX   credit reports. The  XXXX  Family have tried to take my life to keep me quite.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX     XXXX   have complete access to my personal information and she 's abusing my identity. I am missing four digits Of The account number because I did n't originally open this account. My social security number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I received my billing statement on Saturday,   XXXX    XXXX , 2017. The billing statement shows  XXXX / XXXX /2017 as the Statement Date. The  XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the  XXXX / XXXX /2017 date approximates the date when the bill was presented to the    US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive.
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Recent  XXXX  notices indicate that   XXXX   XXXX   XXXX   is approaching a time when the shares will no longer meet the   XXXX    listing requirements.   XXXX   XXXX   XXXX   also has proven itself unable to submit Financial Reports free of material error.   XXXX   XXXX   XXXX   appears to be in breach of its loan covenants. To date there has been no advice from   XXXX   XXXX   XXXX   as to what the debtor responsibilities may be if/when   XXXX   XXXX   XXXX   goes into liquidation or becomes unable to perform the servicing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Hello, My name is   XXXX   XXXX   and I applied for an American Express Gold Delta credit card on   XXXX    XXXX  2017. I signed up under a 40,000 welcome miles offer including a {$50.00} statement credit after on e Delta Purchase.  The terms of the offer stipulated that I make {$1000.00} of purchases in the first 3 months to receive the 40k miles. I also needed to make a Delta purchase within the first 3 months of any amount to receive the {$50.00} statement credit. I applied for the card in  XXXX  knowing that in  XXXX  I wanted to take a trip to DC with my husband while he was there on a work trip. I met the minimum spend requirement on  XX/XX/XXXX . This was well within the first three months of being approved of the card. The terms and conditions of the card and offer state that the bonus miles would be posted within 6-8 weeks. It is now  XX/XX/XXXX  more than 8 weeks after meeting the spend requirement. I have reached out to American Express numerous times with no concrete answers. I am told that there is a ticket that was opened  XX/XX/XXXX  in the back office for investigation ; however, I get no expected date of resolution and I get no recourse on how to book my trip. On top of that I also made a Delta purchase that posted on  XX/XX/XXXX and I did not receive my {$50.00} statement credit. I really just want to get the miles and statement credit that were agreed to by both myself and American Express when I signed up for the card and American Express issued me the card. The customer service provided in the online chat feature and through the customer service number have provided no useful information on resolution steps or timeframe for resolution. Please help.
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V/r,   XXXX   XXXX

Company response to consumer: Closed with explanation