vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.

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 2017-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Try to open a bank account and didnt let me do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
In XXXX XXXX, my wife and I discovered that Express Recovery Services , Inc. in XXXX XXXX XXXX, UT was reporting negative credit information to our credit files with the XXXX XXXX credit bureaus. 

We sent a letter of dispute in XXXX XXXX and asked Express Recovery to validate the alleged debts. We received letters for Express Recovery date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that stated " Based upon the review of your dispute it has been determined that you dispute is frivolous or irrelevant based on the information listed below. 

NOT ENOUGH INFORMATION NO ACCOUNT NUMBER. '' We find it difficult to believe their response given that Express Recovery, has our social security numbers, our names and mailing address but do not have enough information to honor our request for debt validation?! 

A certified dispute and validation letter with returned receipt requested was sent by us to Express Recovery XXXX/XXXX/XXXX. 

We have not received the required 30 notice to dispute letter Express Recovery is required by the FDCPA to provide, we have had our request to validate the debt ignored and negative credit information continues to be reported to our credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I go to look at my credit score on XXXX and I look at my report through XXXX and there is an Hard inquiry from XXXX XXXX XXXX. I have never applied nor had any kind of account with them so i called them and they confirmed that they do n't have anything on file for me and never have. Then i call XXXX XXXX to see what was going on and I was told to call XXXX who directed me to you all because they could n't help me which is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/2017 I was the victim of an online XXXX scam. I purchased 2 tickets for {$350.00} to a XXXX concert in XXXX XXXX. I emailed " XXXX XXXX '' back and forth with over 40 emails in the tread. I was scammed using the application XXXX. I have been with my Capital one back over 14 years and noticed the send money option on my online banking application. I had no idea that it was a third party application. I sent her the money at about XXXX XXXX Friday and she sent me some obviously fake tickets. By the time I called the bank it was too late as the money had cleared the bank. My request was quickly denied by Capital One. I called XXXX immediately and they pretty much laughed at me. I told them I wanted to speak to a supervisor but every time I called he was conveniently on the other line with another customer. I also filed a police report with XXXX, a complaint with the FTC, and next will be contacting the BBB. I believe XXXX is very misleading and there should be some type of protection plan. Never use XXXX to send money unless it 's with someone you know. I 'm also very upset that I told them the account was being used in a scam and they did n't seem to care. I sent the money to XXXXXXXXXXXX and corresponded with XXXXXXXXXXXX. 
Looking back there were several red flags during this transaction. But I have a XXXX and a XXXX I was juggling while I was completing this transaction. I want others to be careful and take the proper precautions when buying things online and to NEVER EVER use XXXX. And know that it IS NOT backed by your bank. XXXX would not tell me anything about his account other than it was active. I eventually found him on instagram and sent him a series of emails but no response. I also flagged all of his posts on craigslist as I found he had several listings in several cities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past.

Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX  to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
After undergoing several hardships over the past XXXX year to include family XXXX, my XXXX XXXX XXXX XXXX, several treatments of XXXX, to include a XXXX XXXX XXXX and subsequent hospitalizations from being ill, I fell behind on my mortgage. In pursuit of obtaining a loan modification and placing the arrears on the end of the loan, I hired an attorney to represent me in saving my home from foreclosure ; however, I was not notified of the foreclosure until after the sale. 

Currently, I am still undergoing treatments under hospitalization and enduring a significant amount of stress from not knowing the current status of my home. I have repeatedly called the lender ( Bayview Loan Servicing ) and XXXX XXXX and have not received any concrete information from them but have subsequently received an " IMPORTANT NOTICE ABOUT EVICTION '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
yes i walked into a branch at bank of America to open an account. They ran my social security number and stated they can not open an account or even override it because my account is showing by security as closed for fraud of identity. I never had this issue with BANK OF AMERICA. so I requested the branch manager they contacted the security dept which in hand stated they have no account previously showing with me at allbut someone put a block for an unspecified reason on my name and social security

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 2017-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I received 1 call per hour for 6 hours. To me this is harassment. All because my payment is 10 days past due in the amount of {$85.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they  have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
yes I contacted portifolio recovery by phone and fax requested proof that they validate this false dept with XXXX XXXX they stated they would they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
1 ) I do not know CBE Group Inc {$42.00} Date Assigned XXXX/XXXX/XXXX # XXXX Retail Unpaid 2 ) I do not know XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX {$1500.00} # XXXX Cable or Cellular Unpaid I had Identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Im not trying to provide a sob story but over the last past year I have been unable to gain housing due to this account. Today ( XX/XX/XXXX ) I talked to a Procollet Rep and I felt as if I was being bullied into making a payment. If I cant make a payment of {$890.00} on XX/XX/XXXX how can you expect me to make a payment of {$17000.00} on XX/XX/XXXX or XX/XX/XXXX? Overall Procollect today ( XX/XX/XXXX ) has basically refused to give me a payment arrangement therefore Procollect is refusing payment I wanted to make towards the account today. The Procollet Rep didnt try to provide and help or resources and basically didnt care, he just wanted a payment in full! 
I called Procollect on XX/XX/XXXX at XXXX regarding an outstanding account. I talked to XXXX XXXX and explained to him that on XX/XX/XXXX I was to pay a settlement offer ( {$890.00} ) which was, and courtesy offer they were offering for 30 days, that was half of my outstanding balance. What was explained to me that if the balance ( the settlement offer ) was not paid in full it would revert to the outstanding balance ( {$1700.00} ). However, due to illness ( XXXX ) I was unable to work, and I was calling to make a pay arrangement and make my first payment for the account. XXXX XXXX stated that he would cancel the XX/XX/XXXX payment because it would not go thru and then asked how would I like to pay the full payment of {$1700.00} today. I again stated to XXXX XXXX that, Im calling to make payment arrangements., XXXX XXXX replied, that Im refusing to pay. I asked XXXX XXXX how am I refusing to pay if Im calling to make payment arrangements? XXXX XXXX stated that I had no pay arrangement options and full payment is due now or by XX/XX/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 explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
yes I contacted by phone enhanced recovery and tried to dispute the charge they stated I had to fax or mail it so I did they still have not fixed this false debt as I never had a XXXX account in my name ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
diversified consultants is collecting for XXXX. acct was back in XXXX I had no service or signal so I purchased air wave equipment to obtain signal. XXXX stated I needed a secondary line to connect the equioment. XXXX denied me access saying my account was not eligible. XXXX failed to provide a signal that would allow me to reach any service, therefore I canceled my account. I do no know what charges could of created such a high balance of XXXX I am not liable for any termination fees as XXXX breached their own contract. I am unable to obtain records since my account is inactive status. diversified is only a middle man however such disputed verified acct is damaging my credit and they refused to remove it. this account is also past statute reporting and was illegally reaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capitol One Auto has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Company failed to provide document bearing my signature stating I have a contractual obligation to pay them. I want this removed from my credit report Looking at my credit report back in XXXX of XXXX I saw accounts in collections and I never gave any company the right to share my information. One for {$58.00} which is listed on my credit report as account XXXX and another for {$92.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX the XXXX XXXX requesting that they validate the debt AND show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XXXX XXXX XXXX with itemized records showing procedures that were performed stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. I sent a follow up letter on XXXX XXXX requesting this information and they failed to respond within 30 days of receiving the letter. They are in violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I get calls repeatedly from XXXX claiming to be from Optimum Outcomes INC for a XXXX XXXX. I do not know a XXXX XXXX ; I assume he had my phone number previously. The calls are always a recording and always leave half of a voice mail message because their autocaller is n't smart enough to wait for the answering machine to pick up. The caller always tells me that if I actually listen to my own voice mail, I am acknowledging that I am this XXXX XXXX person. I 'm not. 
This is a list of only a few of the many calls I 've received from this company for the past year : 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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I was denied a VA refinance with Carrington Mortgage, my home is in Michigan and I have a second state residence of Alabama part of the year because I work part of the year in Alabama. The Mortgage company researched my voting registration and says since I 'm registered to vote in Alabama, and researched my adult son and my grandchildren who lives with me and researched my grandchildren school registration in Michigan at my address and denied me. I never heard of such invasion they checked my XXXX and found I was XXXX and on the day of closing came up with all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Since XXXX/17, Diversified Consultants , Inc has been calling my cell phone multiple times each day without leaving a message. I have no debts, current or past due, with any company they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OR

Complaint narrative:
My XXXX boys received NetSpend XXXX debit cards for XXXX last year ( XXXX ). Each was loaded with {$50.00}. The cards were not activated until XXXX XXXX, at which time we notified NetSpend that we would NOT be reloading the cards and simply wanted to activate them as " one time use '' cards. A PIN was established for each card and we were charged an " activation fee '' of $ XXXX/card, reducing their value to {$44.00} each. 

Over the next few months, we attempted to use them at a wide variety of stores without a single successful use. We eventually just gave the boys cash instead. 

Today, we called NetSpend to see if we could finally get resolution. Instead, we discovered that NetSpend has been charging a monthly fee of {$5.00} since activation and the card values have been fully depleted. So for {$100.00} sent to NetSpend, we received {$0.00} value and 100 % frustration. We were never informed that there would be monthly fees deducted from the accounts and were unable to find a single business whose credit/debit system would accept these cards. 

This is the very definition of a scam. I assume that most people put $ 20-50 on the cards to use as gifts and recipients simply give up on use and throw them away, leaving NetSpend with all of the money. 

Contact information is www.netspend.com, phone XXXX. Cards are issued by XXXX XXXX XXXX, phone ( XXXX ) XXXX. XXXX is headquartered at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their email is XXXXXXXXXXXX.

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 2017-12-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.

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