vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: CO

Complaint narrative:
On  XXXX   XXXX  , 2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsibl e, Zwicker and Associates, PA, did n ot notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.  XXXX  indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Cascade Creditors Service, llc
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XXXX/XXXX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XXXX XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. 
Finally in XXXX XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently requested copies of my credit report in  XXXX   XXXX  to review for accuracy. I noticed a negative reporting account fro m Portfolio Recovery and immediately sent a request via certified mail to request validation of this debt. Portfolio Recovery was in  receipt of this letter on  XX/XX/XXXX . I also disputed this information with the credit bureaus who stated th at Portfolio Recovery valida ted the request they sent. I received a letter dated  XX/XX/XXXX  fro m Portfolio Recovery statin g that I allegedly owed {$360.00}. There are several issues with this negative account being listed on my report and a lot of the information makes no sense and I am hereby requesting immediately deletion of this account for the following reason.  <P/>  1.  This company is reporting and has validated with the credit bureaus an amount that contradicts the paperwork they have sent me. My credit report has an alleged debt listed in the amount of {$360.00}, however they have sent me a letter, on th eir OWN letterhead that states an alleged amount of {$360.00}. This is a direct violation of the FDCPA 808 ( 1 ) Unfair Practices that states " ( 1 ) The c ollection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.  <P/>  2. Per my hard copy credit report, Portfolio Recovery claims th ey verified data that does n't even make any sense. They have reported to  XXXX  that the account was open on  XX/XX/XXXX , however also reported the " date of  XXXX  delinquency '' is  XXXX  and also the " date of major delinquency  XXXX  reported ''  XXXX . How can you report the account was opened in  XXXX  but state the date of  XXXX  delinquency is  XXXX ? This makes absolutely no sense.  <P/>  XXXX . I have never entered into a contract or agreement and have never done business with  Portfolio Recovery.   <P/>  4. This alleged debt does not belong to me and Portfolio Recovery h as failed to provide accurate information or validation of this alleged debt.  <P/>  5. Portfolio  is unable to provide me with an agreement between them and the original creditor they have listed.  <P/>  Portfolio Recovery  has been known to display deceptive tactics in order to collect monies from consumers and has been fined previously by  the Consumer Protection Finance Bureau ( a s recent as (  XXXX  ) and this a perfect example of this tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  CB I d isputed the following charges on my credit report with  XXXX ,  XXXX , and  XXXX  i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all (  3 ) CB could not show me a verified contract and the balances still remain on my report   XXXX   XXXX   XXXX   - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00}    XXXX   XXXX   XXXX     -  Acct  XXXX  - reported bal {$260.00}  XXXX   XXXX   XXXX   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX   XXXX   XXXX      XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX  -Acct #  XXXX  - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
OnXX/XX/XXXX I went into Bank of America at XXXX XXXX XXXX, XXXX, XXXX and they usually have good service. I asked the teller where the ATM was and she called for the manager. A large, XXXX man walked over with extremely strong body language and said " outside. '' Since I was not in my vehicle, I stayed inside and he gave me very limited if any information at all. I rely on the limited information given to be a Bank of America customer. The XXXX, Bank manager chose to stand by new accounts. Even though there was no one waiting at the female new accounts rep 's desk. After ten minutes of waiting for a XXXX man ( who at first refused to speak XXXX ), I motioned for the Bank manager to come over and told him I have an upcoming XXXX, am XXXX, that the XXXX XXXX customer should have set up an appointment, and that this is clearly mismanagement on his part. The manager said " this is how it is. stand there and wait. '' He offered me a chair but I would have lost my place in line.He could have gone behind the counter to help out the teller who was alone. The other two women worked the drive thru window. I felt that the manager was very hard on me. In particular, because I am a woman who went in alone. In case, I close my accounts out again like I 've been doing since XXXX in XXXX, XXXX I do n't want to be hassled by the male, XXXX, manager who was a little too close for comfort and like I said, hard on me. I called XXXX XXXX, the advocate whom reached out to me months ago when I lived in XXXX. I do n't hear back from her. I do n't want to be given a hard time, forced to do things a particular way, or forced to know what the Bank employees are thinking.

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 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
This company is claiming that I owe them a balance of {$450.00} as of  XXXX   XXXX  and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on  XXXX   XXXX   XXXX  due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CO

Complaint narrative:
On  XXXX   XXXX ,  2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsible,  XXXX    XXXX   XXXX   XXXX  , did not notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.   XXXX   indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Saturday,  XXXX   XXXX ,  2017 ; I m ade a payment before the  XXXX   XXXX  due date, but did not receive a payment confirmation number receipt of my payment or an email. On Monday,  XXXX   XXXX ,    2017 ; I c hecked to see if the payment was posted, and it was not ... I attempted to make the payment again, and it " went through '', gave me a confirmation number, but has yet to send me an email confirmation. While attempting to make the payment, I noticed that the screen did not state that it was past due ... Additionally, I noticed that once I clicked the payment button, all of my accounts appeared readily available to accept payments. This is preposterous, as only  XXXX  of those accounts appear when I login - my business, and  XXXX  credit card. Bank of Americ a ( BoA ) is tryin g to subject me to money laundering by having these accounts open but not giving me the ability to use each ... Additionally, not accepting payments or rather, not presenting a customer proof of payment is egregious.

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 2017-06-06 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: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  XXXX  I disputed the following charges on my credit report with   XXXX   XXXX   and   XXXX   i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and the al l (   XXXX  ) CB could not show me a verified contract and the balances still remain on my report  XXXX   XXXX   XXXX  - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00} Credit Bureau  XXXX   XXXX  Acct  XXXX  - reported bal {$260.00} Optimum  Outcomes Inc.   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX    XXXX   XXXX   XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Advance Bureau of Collections
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} Advance Bureau of Col - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Jason A Craig, PC
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} Jason Craig & Assoc -Acct # XXXX - Reported bal {$390.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} Credit Collection Svc - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did a complaint to Bank of America, because  XXXX  charge withdraw money from my account, one year ago my daughter call  XXXX  for do a question, but we decided do not use  XXXX  because a Mistake the company withdraw money from my bank account.   XXXX    XXXX  recognized their mistake and the manager said do not be worry we are going to revert the money to your account.   I do not use   XXXX   XXXX    I do  my taxes with my accounting, and he has been my accountant for 5 years, I have the evidence.   I do not report anything to Bank of America because they promise solve the situacin.   When I notice that the money was withdrawn by  XXXX  I called Bank of America and I explained to them the situacin, and they said we are going to do a investigacin.   They revert all the fees.   I was very surprise when they took from my account {$310.00} dollars.   They justify the action and they said you did your complain so late, and I explain I spoke first with  XXXX  and I trust that they revert the money to my account but they did not.   I did an appointment with Bank of America, but the manager do not help me.   I need all this money back, I am the only person that work in my family.

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 2017-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, we returned the XXXX to XXXX XXXX XXXX XXXX ( XXXX ) ( dealer ) which we were leasing and in exchange for a new lease on a XXXX. We decided to seal the deal based on the dealer 's offer to terminate the lease on the XXXX without having to pay the remaining lease for 3 months. Hence, we were required to make only the {$1000.00} down payment for the XXXX. On XXXX XXXX, we got a call from Infiniti Financial Services ( IFS ) claiming that we still owe money on the XXXX. On XXXX XXXX, I talked to XXXX XXXX of the dealership saying she talked to XXXX of IFS who resolved the matter so there wo n't be anymore calleXXXX from IFS. However in XX/XX/XXXX and other letters I was getting End of Lease Liability Statement showing we owe the 3 months lease payment. I talked to XXXX of IFS and then to XXXX of XXXX and then XXXX of XXXX who have all assured me that the matter will be resolved. In XXXX, I emailed XXXX to help me with the agonizing predicament and XXXX XXXX XXXX, the General Manager said he would make sure that I get the assistance that I need. Then to my surprise, I got a collection letter from XXXX XXXX XXXX. Please help me. I feel being harrassed for something I do not owe. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with Transunion, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still  remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}

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 2017-06-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}

Company response to consumer: Closed with explanation