vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Received notice from  XXXX  ( collection agency ) that I owed on a medical debt, I sent a dispute and requested validation from that with my signature that the debt was mine. The collection agency sent back my patient statement  (  private information ) with diagnosis and codes, procedure and codes that they received from  XXXX   XXXX  hospital. I sent them a  XXXX  violation dispute and they sent back a letter stating that they verified my debt. The request was for validation, not verification. This is a violation of  XXXX  violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion refuses to comply with the FCRA and has not blocked the reporting of a fraudulently opened account. Both XXXX and XXXX have removed this account and have complied with FCRA 605B ( 15 U.S.C. 1681c-2 ). Transunion has ignored letters i have sent along with proof  of address and signatures showing that this account is not mine. The account reporting on my credit file by XXXX XXXX XXXX is a fraudulently opened account and as per the FCRA must be blocked from reporting on my file. I have included a copy of the correspondence sent to Transunion as well as the FTC Identity theft form as well.

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 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX  and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay  situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent me a promotional mailing on  XXXX   XXXX ,  XXXX . It contains  two  promotional offers : " OFFER  1 : L OWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX .   Use Offer ID  XXXX , or use red check number  XXXX . '' " OFFER  2  : MORE TIME 1.99 % ( .005452 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX    Use Offer ID  XXXX , or use blue check number  XXXX . '' I called in to Bank of America and mentioned Offer ID  XXXX  and I told them I 'd like to make use of the 0 % APR until  XXXX   XXXX  ( " Offer  1 ' ' ). The customer service agent declined to extend my 0 % APR period on card purchases, stating that the offers only applied to balance transfers. I replied saying that the offers do not mention balance transfers or any such restriction, and if the offer  ( s  ) were indeed limited to balance transfers, that should be clearly stated in the offer  ( s  ). The agent again denied my request to utilize the 0 % APR offer.

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 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT WA S PROVIDED WITH A CEASE AND DESIST ORDER BACK IN   XXXX   XXXX   XXXX   . I N  XXXX    XXXX   I RECEIVED A INTENT TO SUE LETTER FROM  MIDLAND CREDIT MANAGEMENT. IN GOOD FAITH I SETUP PAYMENT ARRANGEMENTS OF {$15.00} FOR THE NEXT 10 YEARS. MIDLAND CREDIT MANAGEMENT HAS BEEN ACCEPTING MY C HECKS EVERY MONTH WHICH CONSTITUTES AGREEMENT OF THIS PAYMENT ARRANGEMENT. I RECEIVED A CALL THIS MORNING FROM  XXXX   XXXX  ADVISING THAT NO PAYMENT ARRANGEMENT WAS AUTHORIZED BY HIS OFFICE AND THAT HE WILL SEND MY CASE TO LITIGATION. I ADVISED  XXXX   XXXX  THAT 1. CEASE AND DESIST PREVENTS THESE PHONE CALLS. FDCPA  VIOLATION { $1000.00}. 2. BREACH OF PAYMENT ARRANGEMENT CONTRACT IS ANOTHER VIOLATION {$1000.00}. 3. THREATENING TO SUE WITHOUT MEANS TO SUE IS ANOTHER FDCPA VIOLATION {$1000.00}. 4. DEBT HAS NOT EVEN BEEN PROVEN TO BE MINE. 5. THERE IS A CEASE COLLECTION BAR THAT IS INVOKED ONCE A DEBT VALIDATION LETTER WAS SENT. I NEVER RECEIVED A RESPONSE TO THIS LETTER. 6. CREDIT REPORTING OF THIS ACCOUNT IS AN FCRA VIOLATION OF THE EARLY-WARNING NOTICE CLAUSE O F FACTA SECTION 623 ( A ) ( 7 ).

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I contacted Wells Fargo Financial and they continued to state and report to credit bureau that payment for XXXX XXXX was late. For {$410.00} minimum payment due in XXXX I made 2 payments for total of {$410.00} before XXXX XXXX XXXX as required as highlighted in copy of statement attached as a PDF file. 1st payment XXXX as seen on statement was paid online for {$280.00} and credited to account. 2nd payment XXXX was paid in branch for {$130.00} and credited to account. Yet letter from XXXX XXXX clearly states that they reported correctly and XXXX payment was late. How can that happened, when you see that they were paid for amount due and prior to XXXX XXXX XXXX. Both of them are highlighted in PDF files I am sending. As required by FRCA, since payment was for amount due and done prior to XXXX XXXX XXXX. Wells Fargo Financial is required to report was paid on time, not late as they reported.

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 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Company claims I owe {$190.00} to   XXXX   XXXX   XXXX   XXXX  . However, I have attached a receipt dated  XXXX / XXXX /   16 from   XXXX  with this specific amount itemized, showing that the bill is paid in full and my total amount due is {$0.00}. I have also attached my credit card statement showing they in fact also charged me more than the amount listed on said receipt. I previously disputed this information and the company continues to report saying it is verified this amount is still owed despite my furnishing proof that it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America processed a  Loan Modificatio n in   XXXX   XXXX     with my ex husband  ( borrow er ) without notification to myself or my signature. There is no divorce decree or property division giving my ex husband sole decision making on the loan, yet BoA allowed for only him to be the decision maker on the loan mod. BoA processed the loan with only ex husband signature, stating him as " Borrower, '' but not myself. I attempted to have BoA remove me from the loan obligation as it was processed as fraud, and was declined. I am filing this complaint because of fraudulent financial practices to process the loan modification. It is a fraudulent practice to process loan mods quickly and not seeking the signature of all parties.

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 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Hello CFPB, On   XXXX   XXXX   XXXX   I sent a request for validation to  Port  folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to  Portfolio Recovery . On   XXXX   XXXX   XXXX     I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by  Portfolio Recovery . I spoke with  Portfolio Recovery ,  XXXX    XXXX   XXXX   XXXX     after receiving the information from the bank.  Portfolio Recovery  confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt.   Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act,  USC 1692g Sec. 809 (  b ). I am hoping that your organization is able to assist me with resolving this matter.  Portfolio Recovery  has violated my consumers rights. Their practices are deceptive and unethical.   Since  Portfolio Recovery  has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was charged a {$35.00} NSF fee. I requested  for TD B ank to return the fee because not only did they charge me the {$35.00} NSF fee but they paid the charge to   XXXX   XXXX   XXXX    on    XXXX  but on  XXXX / XXXX /  XXXX   they reversed the charge causing the company to also charge me a fee. That is not right for them to pay and then reverse and still charge the fee. I opened this account online and I indicated to a few reps that I did not agree to this. I was told that they previously credited NSF fees but the few fees that were reversed were due to no fault of my own so they were justified credits, not done as a favor as they tried to make it seem  .So,  I requested for the rep to forward me a copy of the application signed by me because I know I did not agree to these terms and I was directed by the rep to go into a walk in location. I informed her due to health issues I can not go to a walk-in location ; however I am supposed to be able to request this information in this format as well. I have had the account a while so it is not as if I am a fly by night customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
We have had to file a hardship due to circumstances beyond our control with  XXXX   XXXX   XXXX . We have informe d Avant that we are now under a no contact with them and directed the m to deal with the debt relief agency. Instead they are harassing us and continuing to call an unreasonable number of times. When we pick-up the phone, they hang-up. O n     XXXX - XXXX -2017  th ey called our home 5 times. To follow are the times of day they called on  XXXX / XXXX /   2017  :    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX   and  XXXX    XXXX  . On   XXXX / XXXX /20  17    they called our home 4 times  (  so far  ) . To follow are the times of day they called   XXXX   XXXX    / XXXX /2 017     :   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX  . My husband has a  XXXX   XXXX  and this is causing him   XXXX   XXXX  . They have also called my place of employment repeatedly. My caller ID on my phone only store s 30  calls, so I am unable to give anymore exact times of the calls, but this has been taking place since we informed them of our hardship and directed them to call the debt relief agency on on Saturd ay  XXXX / XXXX /2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/2017 I was charged {$41.00} for my XXXX XXXX XXXX  gym membership. The debit should not be automatic, the amount should be {$40.00}, and the debit should take place on the XXXX of the month, but not at all because I manually pay in person.

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 monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CO

Complaint narrative:
I had contacted Discover in regards to opening a second discover card and was told my first account would need to be open for 12 months to be eligible. I met these requirements so I applied, I then received an immediate denial stating my first card had been opened too recently. When I called them they informed me I was declined because my first account has to have ha d 12 bil ling cycles completed.     When I informed them that I met these requirements as m y 12th  Billing cycle had ended the week before, they started backpedaling and changed their mind on why I was denied. I have called back twice now and both of the representatives and their managers all gave me different information in regards to my denial despite the fact that my only reason for being denied ( on the denial notice ) states that I have n't had my first account long enough. Eventually they settled hard on changing their mind and telling me that it is actuall y 13 billing  cycles, a nd the 13th cyc le will have to already be reported to the credit bureau and available to be viewed by them.     Despite them  ( several different employees ) misleading an d lying to me, they refuse to have anybody manually review the application to tell me why I was actually declined. They instead are encouraging me to apply again in the future but ca n't tell me when I will actually be eligible. I 'm not sure I would trust this information anyways as I had already asked and been told the wrong thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: ME

Complaint narrative:
I received  XXXX  collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There are several inquiries on my Equifax report that I do not recognize. I contacted Equifax directly and spoke to a rep named  XXXX  who advised me to file a complaint and once it was received by Equifax my inquiries would be deleted. The inquiries are as follows :   XXXX   XXXX  .  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX  .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX  Please remove these inquires immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I was scammed  by Ford Motor Credit.  aprox  XXXX  of  XXXX  I received a call from them. I had been late on payment ( due t o 7 hospital v isits ) The woman asked why I was late. I explained as above. She said " you need to avoid a repossession or a charge off ''. I agreed. My regular payments were a little high due to medical bills. She said how much can you afford. I said if you could cut payment to {$200.00} a month, I could clear up medical bills and never be late payin g Ford ag ain. After she put me on hold, she came back on the phone and said " OK ''.     Upon checking my credit rep orts ( one tra de ine attached ) I noticed the account was listed as a charge off. I was floored and calle d Ford. After lot s of " run arounds '' I was told the first story that I agreed to a charge off. That is a lie. I wuld never ever do that esp. with small amount owed and it is a secure lo an (   XXXX   XXXX  truck ) to which they have title. I was getting no where with these people every time I called. Now on my latest call of mayb e two weeks ago , I was told the account was charged off BEFORE THE FIRST CALL FR OM FORD CREDIT.  What????? First off they would have repossessed the vehicle as it is worth {$15000.00}. That did not happen. I still have the vehicle and have never missed a payment since that first conversation in  XXXX   XXXX . I have attaches some statements.         Ford credits improper listing this account as a charge off caused me to be turned down by a car dealer and I can show you the inquiry if you like. They are killing my credit score. Ford is clearly breaking the FCRA and the FDCPA and in doing so continue to do great financial harm to me. I really need your organization to step in and make Ford correct this outright scam. It is my thinking they did this whole thing to gain from tax codes and possibly insurance on the account.
Please help me as I have written the credit bureaus and got nowhere. I gave attached proof Ford is receiving {$200.00}. a moth without fail.        XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: CA

Complaint narrative:
I notice d two months a go upon receiving my annual credit report that there was a debt I did not recognize. I suspect this debt to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When my husband and I attempted to apply for a mortgage, I found out that there is a  Sears cr edit card on my credit report. The card was opened on  XXXX / XXXX / XXXX . The amount owed on the card is in excess of {$9000.00} and the last payment was made on  XXXX   XXXX   XXXX . I do not own this card and I did not make that payment.

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 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
I contacte d PMT solutions  as I was told I had an outstanding balance with them. The lady told me that maybe my case would affe ct my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane PMT solutio ns original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly way more then original amount and I do n't have receipts or anything it 's been so long.

Company response to consumer: Untimely response