vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: LA

Complaint narrative:
On XX/XX/XXXX, i had my credit report ran and noticed a medical bill was {$100.00} was on there through XXXX XXXX. I called the number on credit report and found out it was a medical from my previous primary doctor when I lived in Indiana nearly 3 years ago. I never received any letters from anyone pertaining to this bill. I did pay this bill off and asked the debt collector if this could be deleted from credit report and all they would do is show it paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I was allowed to cash eleven ( 11 ) Money Orders each for {$990.00} between XXXX XXXX XXXX, XXXX. All eleven have turned out fake, and now the bank is demanding full payment of the overdrafts on the checking and savings accounts used. Fees and fines are continuing to pile up on top of the overdraft charges. These money orders were part of a secret shopper scam I fell victim to, and were fake. The bank continued to cash these well beyond what funds were available in the accounts, so I assumed they were valid. Otherwise, they would require me to deposit them until they had cleared. The bank scanned them and kept cashing them. If the bank could not tell they were fake, how could I? Why did they not require me to deposit these until they had cleared? Other tellers I have talked to immediately knew this situation for a scam. Why do the tellers at one branch of the same institution receive different training than the others? On XX/XX/XXXX, I noticed a negative balance in my checking account. In tracking down the problem, the fake money orders were discovered. The accounts were frozen. Unfortunately, these were joint accounts with my mother. She is being punished as well. She has already lost her XXXX Social Security Deposit, and has been living in terror for over a month about losing her home equity loan. The original loan was taken out in XXXX, and she has never missed a payment. Her credit is ruined, and she could never get another home loan with payments she can afford on a fixed income. Between XX/XX/XXXX and XX/XX/XXXX I have tried to set up reasonable payment plans. I am actively looking for work, and I am confident I will soon be employed. I have 4 acres of land for sale, and it will sell-but not overnight. Nobody can tell us if my mother will become homeless by losing her loan. Nobody can set up a reasonable payment plan with me, until I can make larger payments. The only advice we get is wait on the recovery team to contact you, while we are getting continuous notices and letters demanding payment in full of outrageous overdraft amounts. When we can't pay in full, more fees and fines are tacked on. Meanwhile, no word from this recovery team. My mother is elderly, and living in fear each day is not good for her physical and mental health. She is convinced she will soon be homeless. I was victim of a scam, and my mother is paying a horrible price. Please work with me on reasonable payments until I can make larger payments. Most of all, PLEASE do not change my mothers home equity loan forcing her into homelessness. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 77 Elite
State: IL

Complaint narrative:
On XXXX A lady contacted me regarding consolidating my student loans via telephone and asked to call them back at XXXX. I called them back and informed them I am in the process of consolidating my student loans. The person who identified herself as XXXX XXXX informed me they would assist me in the process and that due to the " laws changing '' that I would need their support. She said she worked for " 77 Elite ''. She asked for my FSA ID and password, got into my account to look up my information regarding my student loans. She sent me an email with my current loan breakdown and told me she could be able to greatly lower my student loan payment and improve my credit score. She said in order for me to be able to consolidate my loans, they would need an upfront fee of {$990.00} for the service as nothing is for free. I told her I could not afford that, so she said I could pay it within 4 months. She asked for my debit card account information and immediately took {$240.00} out of my account. She emailed me documentation and told me to click to say I signed a document so that she could consolidate my loans for me. The documents are not notarized and the name of the company on the forms says " XXXX XXXX. '' I received two emails at the same time which I will upload, one stated they were the " Processing Team '' and the other one said " Processing Team, 77  elite on XXXX. '' I received a call from XXXX on XXXX from a lady asking for my social security number, and she would need it quickly in order to continue the process of my student loans. I received an email on XXXX requesting to sign releases of information to my 3 loan companies ( XXXX, XXXX XXXX, and XXXX  XXXX ), and requesting either my last two pay stubs or the first two pages of my most recent filed income tax report. I emailed the documents. After researching " loan scams '' I became very scared that this was a scam as there have been many " red flags ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been charged by XXXX store card with a returned payment fee ( {$27.00} ) under the pretense that the account I entered in the system had too many numbers or incorrect information and the payment didn't go through, according to the customer representative I spoke to. 

When speaking over the phone with the rep she couldn't even explain the real reason and wasn't willing to correct their system mistake, blaming it on how my bank has its routing/account numbers set, wanted to double check the information I entered to verify I made a mistake but she said the information has been deleted. 

Both checking accounts I had entered to cover balance payments had funds and had been used. After this returned payment happen, according to the rep XXXX  reissued a charge without my authorization to my next default bank account with the original payment amount ( {$45.00} ) plus the returned payment fee, which I find shady since I wasn't expecting this charge on my second checking, luckily I had funds but makes me wonder if they were fishing for a second returned payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: ME

Complaint narrative:
To whom it may concern : The major issue I discovered with respect to these documents is on page 4. 

It stated that I lived in XXXX XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. I did not live at these addresses. Could you please correct it? 

Now, two other things. 

1. What is the XXXX XXXX XXXX XXXX XXXX that is under my name? I believe the answer to this question, leads me to my final question. 

2. On page 5, please explain the " MISDEMEANORS '' heading. I am confused about this. Please, clarify this heading on page 4. 

That's all I have for now. Thanks for your time. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Thursday, XX/XX/2018 I received the below email from Capital One 360 stating that my accounts had been restricted until my recent activity can be verified. However, on Friday, XX/XX/XXXX they accepted the deposit of my paycheck through ACH. 

" We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 
Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX.-XXXX XXXX ET. '' Upon calling the number listed in the email I was sent to the voicemail of the Customer Security Intake Team where I left a message. I reached back out to Capital One 360 Customer Support and was told they can give me no information as to why my account is restricted & transferred me to the Customer Security Intake Team 's voicemail to leave another message with the expectation that I would be hearing back from them within 24-48 hours. 

A week has now passed and I have not been able to access my money nor have I been able to speak to someone who can explain to me why I can not access my money. I've made dozens of frustrating calls to Capital One 360, I've left countless voicemails, but it's become very apparent that as a Capital One 360 Customer Support Representative stated to me " they are on their own time '' and don't seem to care about their customers. I've had multiple payments be returned due to " Insufficient Funds '' although there is currently a positive balance in my account to cover those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc.
State: LA

Complaint narrative:
I applied for financing at XXXX XXXX XXXX XXXX  store in XXXX XXXX, Louisiana in XX/XX/2018. I completed my purchase by paying my down payment and picking up my items. I paid early from XX/XX/2018 through XX/XX/2018 and Conn 's has been reporting that I've paid of -2 % of the financed amount. They have no payment history for me available whatsoever. Though the report states " good standing, '' the fact that my good consumer behaviour is not being reported negates that. Customer service is not aware of how to fix my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had paid off a loan on XX/XX/XXXX with a certified bank check. The bank check had a balance of {$18000.00} after the loan was paid, and this balance was to be returned to me after the check cleared. I received a letter from the bank on XX/XX/XXXX stating the loan was cleared, and a manager told me the check " was being cut '' and would be mailed out to me.I never received the check. I contacted the bank to inquire about the check on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and each time I was given a different story as to when the check was mailed. It has been over ( 4 ) weeks, and I still haven't been given a clear explanation as to where my refund is. I feel the employees are being less than honest as to the status of my refund.

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 2018-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/XXXX and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX , XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
I received a call from ( XXXX ) XXXX on XX/XX/18 at XXXX then again on XX/XX/18 at XXXX. I pick up the phone and it is an automated message telling me they are calling from something Revenue LLC and are attempting to collect a debt. They give me this number to call them back. The first time I did not answer and they did not leave a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
The creditor, XXXX XXXX, has repeatedly called me, sometimes 3-4 times a day, throughout the day. And from various phone numbers. I have said twice to them now that they needed to cease the continuous calling or else I would either report them or seek legal action against them. They chose not to relent and continue on. I'm making payments incrementally, as I am able to. But they are literally the worst Creditor I have ever dealt with. They are venomous. 

They have called me from : XXXX : -XX/XX/XXXX at XXXX and XXXX. 
-XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX and XXXX -XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX -XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX XXXX : XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX, XXXX XXXX : XX/XX/XXXX at 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 non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a business checking account at Bank of America before XX/XX/2018. When I opened the account I used a bonus offer by Bank of America for Business Advantage Checking Accounts. ( See attachments. ) To earn the initial {$1000.00} dollar bonus. I had to open a business Advantage Checking account and deposit at least {$50000.00} in the first 90 days and open and spend at least {$2000.00} dollars on a small business credit card. I did both of these things ; however Bank of America is refusing to honor their offered bonus. My Bank of America banker has told me in email that I successfully completed all the requirements for the offered {$1000.00} dollar bonus.

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 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company deleted the item from my credit report twice and did not verify the " debt. '' They re-reported it without ever sending me a written notification..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global One Arbitration Inc.
State: CA

Complaint narrative:
Multiple people who I have known in the past have been called regards to a " legal claim '' and they state to them that the message should be considered as being " served '' I have never received any type of demand letter requesting me to pay anything. I spoke to " XXXX '' at Global One at XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 
2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina.

3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.

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 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: NY

Complaint narrative:
I received a phone call from a woman claiming that I owed on an XXXX account in an amount exceeding {$900.00}. I have never owned such an account. The women was rude and tried intimidate me. They called from a XXXX number ( XXXX ) XXXX, even though they claimed to be in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHECK INTO CASH INC.
State: WI

Complaint narrative:
I received a call from XXXX XXXX, didnt say the company name other than the transcription of the voicemail she left. I called her back and they said that I owe {$910.00} and they will settle for {$760.00}. They said it was from prior to 2013 but didnt have exact date and amount. I asked for documentation because I do t recall this and she said I would need to get my attorney to request that at this point and I only had til XXXX to resolve this issue. Here is the transcript of the voicemail that was left prior to me calling back : special ending in XXXX my name is XXXX  ______ I'm calling out of the processing division _ location services off of trying to locate XXXX XXXX of a formal complaint eight and three counts of raw charges that are currently pending against you please be advised it is in your best interest to make immediate contact with the _________ a senior associates in the legal department have already obtained to legal ______________ _ _________ case in court against you if you have a legal right to contact appointment directly prior __ processing which is scheduled to have local ___________ sent to your residence and ____ seven appointment to have your process please contact the legal department _____ __ XXXX XXXX  issues standard time today to possibly prevent any further charges moving forward against you carry supplies of XXXX extension XXXX please make _____________ case back it in XXXX this is your last and final notification best of luck to you ___________

Company response to consumer: Closed with explanation