vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a letter from XXXX XXXX XXXX, a debt collection law firm in XXXX, Virginia. They claim I still owe BANK OF AMERICA {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XXXX. I am sure this is probably a scam being perpetrated by either Bank of America or XXXX XXXX XXXX. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday

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 2018-03-06 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: National Credit Adjusters, LLC
State: UT

Complaint narrative:
3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : National Credit Adjusters Acct # XXXX* {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation.XX/XX/XXXXThey responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( National Credit Adjusters ) To date ( XX/XX/XXXX ) The Furnisher has not complied with the FCRA. They have refused to respond to my request for  information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXX I filed an identity theft report XX/XX/XXXX I called XXXX  to resolve and was told there is no way to fax documents. I was told to use their upload site.

XX/XX/XXXX Attempted upload via XXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXX I attempted to submit the dispute online at eXXXX the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute.

XX/XX/XXXXI sent a third certified letter to XXXX requesting the information be deleted. and including the identity theft report. 
Both XXXX and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both XXXX and the furnisher are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bennett Law PLLC
State: CA

Complaint narrative:
I was contacted by a service and instructed to call XXXX XXXX XXXX about pending legal action. When I called, I was informed that I had been sent a letter about an old debt, and how would I like to handle the situation. As I had not received any letter, I was not aware as to what the law firm was talking about. They referenced a debt that was from a XXXX XXXX credit card, that I no longer have and is nowXXXX  years old. I was told that I would have to work out a payment plan or pay full amount. If I failed to act, legal proceedings would begin in XXXX XXXX, CO. 
The acct number on the letter they sent was not fully correct. This debt also does not, and has not shown up on any credit reporting check. The only place it showed up was from a credit check that was performed over 10 years ago, and showed as closed. 

I contacted XXXX to determine what the status of the debt was. The acct in question was closed in XX/XX/XXXX and the debt transferred to a company called XXXX. This debt was then later transferred in XX/XX/XXXX to a company called XXXX XXXX. XXXX is no longer in business. XXXX XXXX XXXX was only opened in XX/XX/XXXX. 
I have had the same email and cell phone number since XX/XX/XXXX, and have never been contacted about this until XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I found out through my credit monitoring service that a collection in the amount of {$92.00} has been placed by Franklin Collection Services on my three reports. I am looking to dispute this as I never received a notice of rights under the Fair Credit Reporting Act 1692g. As mentioned in subsection ( A ) ( 1 ), the timeline starts " within thirty days after receipt of the notice ''. Since I never received a notice and it went straight on my report, I am filing this. 

I filed with XXXX, where I discovered the information. After filing the dispute, within a week the information showed up on XXXX and XXXX, even though no information was sent to me about the verification or my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: SC

Complaint narrative:
On Friday XX/XX/2018, I made contact with XXXX trying to find out why an old account with XXXX XXXX has not been deleted from my credit as of yet. My argument with XXXX was throughout the past year, I've sent advanced dispute, debt validation request to XXXX XXXX XXXX to validate a repo debt that was being reported incorrectly showing the wrong amount. The representative stated we will reopen investigation, but could not state what the company was reporting back to them. I contacted XXXX XXXX   myself by phone since they never responded back to my Debt validation letter and the representative I spoke with stated that my account was turned over to a in party 3rd collection group called XXXX XXXX XXXX and they don't have my account in their files which mean they was unable to validate the debt. I never received a call from XXXX XXXX nor or they reporting to my credit. The representative their couldn't locate my account but ask me to pay XXXX when it's reported to XXXX as XXXX. I XXXX the company information online and it's listed as a scam. I'm asking that XXXX XXXX is remove from my XXXX   credit report. And I also request hat XXXX XXXX do not contact me. The statue of limitation to collect a collection debt in the state of SC is listed as three years and it's been almost 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
IN XX/XX/2017 AMEX FRAUDULENTLY RAN MY CREDIT WITHOUT MY PERMISSION. I RECEIVED A LETTER FROM AMEX A FEW MONTHS LATER SAYING THEY WOULD SUPPRESS THE CREDIT INQUIRY, BUT THE INQUIRY STILL REMAINS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Spoke to XXXX at this dysfunctional collection agency on XX/XX/XXXX, per the conversation, she advised that the client transmitted this account on XX/XX/XXXX. This merchant ( XXXX ) was paid in full on XX/XX/XXXX in full for the amount of {$62.00}, the account reflects a XXXX balance according to the merchant website dated XX/XX/XXXX. The phone call with the agency was not really reassuring that they were going to rectify the situation, in fact, it is very shady as far as the business practices of the Sunrise Credit Services.

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 2018-03-06 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: CA

Complaint narrative:
While I was trying to make a booking on XXXX ( XXXX XXXX Website ), I saw an advertisement for American Express Delta Gold card with XXXX, XXXX miles on spending XXXX $ within three months and {$150.00} statement credit offer for making a purchase on XXXX XXXX within 3 months. 

I went through the application process, entered all my details and got approved. Later when I checked with the American Express customer service they told me that I am not eligible for XXXX, XXXX miles promotion since I had this card in XX/XX/2015. As per them, this was buried in the fine prints somewhere during the application process. 

I called this a switch-and-bait tactic since after I entered my personal details, American Express already decided that I am not eligible for the promotion why not warn me before I finish the account opening. I strongly believe that CFPB should punish American Express for such switch-and-bait tactics and force them to show the actual promotion terms before the account setup is finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I went into California Check Cashing located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA on or about XX/XX/XXXX to get a quote for filing my XX/XX/XXXX income taxes, as they have filed them in the past. I was unsatisfied with the quote, mainly because I was told to sit down and without a question of deductions and/or questions about taxes ( earned income ), the clerk called me up and wrote a quote on a post it note to inform me of the amount that I should expect to receive. At that time, I asked the clerk how could she estimate my taxes without asking for any information, then I asked for another employer to complete the transaction. The clerk telephoned XXXX, the store Manager and then I was told to come back the next morning to have my taxes finalized. I expressed that I did not wish to have my taxes filed at that time. On XX/XX/XXXX I went into XXXX XXXX to get another quote for my taxes and was told at that time that I could not file because my taxes were already filed. I immediately went to CA Check Cashing and was told indeed that my taxes had been filed. XXXX, the XXXX was in the office and offered to Amend the taxes that were fraudulently filed. I am very upset because I am out of the opportunity to see if the tax preparer had filed for earned income tax credit and other deductions ( student loan interest ). I am still unaware of the amount of fees charged by them. Please help me to receive the proper justice for this horrible oversight.

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 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Last month I sent a certified letter to Wakefield and associates in regards to a debt they have listed on my credit report! They received the document because a signature was required and through usps it showed me the letter has been signed for. I asked Wakefield to send me a copy of the original bill as well as a breakdown of the amount they are alleging I owe them because this debt is not mine! I never received a bill or anything for this alleged debt, until today I received a letter in the mail from Wakefield stating that basically they will be not sending me any information on this debt, because they have already verified it ... .. I dont know who they verified it with, but it was not me and I would love to see what documents they have of this alleged debt, until I receive this documentation they need to remove this debt from all my credit files

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 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2018 I had the following PayPal debit from my XXXX XXXX XXXX account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX debit from checking account : XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX PAYPAL DES : TRANSFER XXXX INDN : XXXX XXXX CO ID XXXX XXXX WEB as Reconciled XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB Merchant name : PAYPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called XXXX XXXX XXXX and they will be following up on this. But XXXX at XXXX XXXX XXXX Billing Disputes : XXXX-XXXX-XXXX told me that anyone with a PayPal account can take money out of your bank account without your authorization knowing only your checking account routing number and account number. Since this is on every check I write, it means that anyone I send a check to can get a PayPal account and start draining my checking account without my knowledge! I find that hard to believe, but XXXX insisted it was true. 

Can you confirm that this is true? If so, how can we stop this, I do not have, nor do I want a PayPal account. But I sure do not think PayPal should be able to take money from my account without my authorization whether or not they have my routing number. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX XXXX is not responding to release of a second mortgage they wrote off in 2011. When approached about the issue HSBC incorrectly a release for the senor mortgage and wrote a cover letter apologizing for any inconvenience. HSBC will not respond to me or XXXX XXXX in correcting their error to file the correct release. HSBC has given us no choice but to file this complaint. We have tried everything and HSBC is delaying the transfer of the property at a high financial cost to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX XXXX, XXXX XXXX military member who was XXXX 6 months ago. I received XXXX XXXX as a result. USAA Federal Savings Bank is causing direct and possibly irreparable harm to my credit worthiness through predatory lending practices. USAA closed my credit account after reciving my ( {$3000.00} ) payment with no notice. USAA received regular payments as per normal credit card use and this was a voluntary payment made to them beyond my normal payment. Apparently, while I was in the XXXX XXXX clinic, one payment was a few hours late. I was sent a letter on XX/XX/2018 informing me that they were closing my account. When I called the stated reason I was late on a payment and that I had an account balance change ( I.e I payed it off ). I totally agree that USAA has the right to lend to who they want. The harm comes in that, as they closed the account and lowered my available credit, they have damaged my credit worthiness, even when I pay 50 % of all my outstanding debt in a single month. I have payed them significant sums of money, as agreed. In response, they take your repayment and close your account, but the. Damage my credit, because I paid them more than the agreement. It sickens me that they will destroy the credit of a XXXX XXXX   veteran who is going through a XXXX XXXX XXXX to be XXXX XXXX, because I paid them back. They closed my account ( damaged credit worthiness ) because they couldnt drag any more interest off a 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 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX  XXXX XXXX XXXX XXXX. 
JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received. 
XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment. 
I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check. 
I contacted XXXX bank card services and they claim that TD had stopped payment. 
I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service. 
I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed. 
I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check. 
I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received. 
TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other. 
I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX. 
I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}. 


























4

Company response to consumer: Closed with explanation