vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
This company left a voicemail on my phone, my Mom 's phone, my Grandmother 's phone, and my Sister 's phone ... It's the same voicemail.

I got a call from this XXXX number today, XXXX The message is automated and does not state who they are or that they are " attempting to collect a debt. '' They call repeatedly from other phone numbers, XXXX XXXX and when you call back it goes to the voicemail of XXXX XXXX. WHO IS XXXX XXXX?

This is a confidential message for ** if you are not ** you must hang up now. Hello, this is XXXX  ( I can't make out the last name ) and your account has been audited internally and you do need to call our office before scheduled advancement of your account. This will be the final call the phone number is XXXX we do have authorization to offer the following below blanket settlement on your balance of XXXX  a 40 % settlement of XXXX  a 60 % settlement in 3 payments a 80 % settlement in 12 payments of XXXX. Settlements must be setup within the next two days please call XXXX  again it is important to put a hold on your file today thank you to pay online go to XXXX and click on the login you will need your account number and zip code your account number is XXXX and your zip code is XXXX.

Have never received anything in writing and they are leaving these voicemails with my personal information on other 's phones. The first call I received was XX/XX/XXXX from XXXX and I have not received any written information about this supposed " debt. '' Direct Recovery Services is the supposed name of this company. When you log into that website, it asks you for the account number and zip code and then provides my name and last four of my ssn, so anyone could login and get my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: VI

Complaint narrative:
I do not have any relationship with Unifund and do not want one.

This organization, perhaps some type of collections company has shown up in my credit history file about 2 years ago under a different name.

This debt collection was removed once before however it has appeared and it should not. I fought this hard with their reps, the three credit reporting agencies and with the CFPB.

Assistance from the CFPB to remove this debt and annoying recurrence of the illegitimate attempts of Unifund. They should not be able to show up every so often and attack the credit histories of individuals without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.

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 2018-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.

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 2018-04-16 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: FL

Complaint narrative:
I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

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 2018-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

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 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
Calvary Portfolio Servic is trying to say i owe a debt to them of {$4300.00}. When asked could they provide me method of verification and other documents to prove that i signed a contract with them, they didn't have any of this on file. there is no contract signed by me showing i accepted responsibilty for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 American Express closed my accounts ending in XXXX. 


They gave me no warning and i had never missed any payments. I tried to make 1 purchase and they closed everything. I would like to have my cards reopened and done so amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I deposited a cashiers check issued by XXXX XXXX XXXX in the amount of {$14000.00} into my checking account at the Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( receipt attached ). On XX/XX/2018, Chase Bank froze my account telling me that it was because the teller did not scan the check and they couldn't locate it at the branch. I could not access any of the funds in the account and was later able to transfer the other funds, not including the {$14000.00} into a new account with Chase Bank. To date I have still do not have access to the {$14000.00}. After repeated visits and phone calls with Chase the issue has not been resolved. The main contact with Chase has been XXXX XXXX, Vice President XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I noticed a collection account on my credit report from XXXX XXXX ( collection agency for XXXX XXXX ) 'date open ' : XX/XX/XXXX. I disputed with the credit bureaus requesting validation. The account came back as being " valid ''. I responded to the credit bureaus by letting them know in plain words that it is physically impossible for there to be an account opened in XX/XX/XXXX as the apartment complex I live in is not contracted with XXXX XXXX. ( I have been in the apartment since XX/XX/XXXX ) At the same time as I responded to the credit bureaus, I sent the collection agency, Convergent, a letter requesting validation of the debt. They responded stating, " This debt is valid, attached is verification of the debt. '' Attached was a screenshot from what appears to be a computer system. 

A contract was not included. There is nothing showing a breakdown of the amount that is owed.

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 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I sent a letter to XXXX XXXX requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2018-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I called XXXX about 3 years ago to find out if I qualified for student loan forgiveness since I am a XXXX by profession. I have made 108 payments since I was hired in XX/XX/2009. They are telling me today they I need to reconsolidate my loan and begin the 120 payment process all over. I have never missed a payment and my loan was sold to Navient by XXXX. I am very upset about this and would like instructions on how to move forward. Do I reconsolidate? Do I get an attorney? Where do I go from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2017, I was spoke to XXXX XXXX in XXXX, Oregon about purchasing a used vehicle. I am XXXX as a XXXX XXXX who does XXXX XXXX XXXX, and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by XXXX  and Equifax that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This company had contacted my daughter in laws father as well as the assistant human resource director at my place of employment. I called the number they had left and spoke to a XXXX XXXX XXXX. She stated that there was a civil suit filed against me for a credit card that was taken out in XX/XX/XXXX and that had been charged off and closed in XX/XX/XXXX. Although I had never received anything by mail she stated in order to keep it from going to court I would need to settle on a payment of XXXX that would need paid this month and said she would need to credit card information then and there to keep it from going to court. Feeling pressured to keep it out of court and avoid court fees I agreed and gave my information. After thinking more clearly about it I called and asked if they could send me a copy of the civil complaint. I was transferred to a gentleman by the name of XXXX. I asked for his last name and he refused to give it to me saying he was not obligated to do so. He stated that he could not send me the civil complaint and said that because of the questions I was asking that he felt like I was being coached on what to ask He then stated he would revoke our payment arrangement and would no longer accept it and would just see me in court. He became very rude and hostile and hung up. I called back asking for his last name and again questioned why he would not send me information the the charges. He then hung up again. I called my bank and cancelled my card. The company name was the XXXX XXXX. I am questioning the legitimacy of this company and the call.

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 2018-04-16 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: MA

Complaint narrative:
My checking and savings account that I have through the Bank of America was compromised online on XX/XX/2018 by a person or persons from XXXX. The bank failed to provide adequate security over my account with the initial transactions when the individual ( s )  transferred 3 large sums of money from my savings account into my checking. It wasnt until after the transfers that I received an alert informing me that there was unusual activity on my account, which I believe should have caused the bank to freeze my account. This did not happen. I informed Bank of America that the transactions were not made by me and that I also I noticed that someone had successfully completed over 300 transactions and started buying XXXX with my checking account. I went to one of the banking centers and was informed that I could not be helped and my questions and concerns were promptly dismissed which led me to file a complaint against the manager and the employees with their area director which turned out to be fruitless. I have called the BOA debit card fraud department and was hung up on after being told by multiple managers and employees that there was nothing that could been done to help me. I proceeded to go to another banking center where an employee has been trying to help me but management seems to treat her the same way and I it doesnt seem that they want to resolve this issue. I have been repeatedly told by multiple managers with the debit fraud customer service call center that it is my job to figure all of this out. I had a XXXX XXXX last year, which I have disclosed to the people at Bank of America, and the endless battle of being constantly dismissed and losing such a large amount of money has caused my stress levels to increase dramatically. Yet it seems that they still refuse to help me. Can someone please contact me regarding what steps I can take to correct this blatant disregard for my financial well-being and personal health. I have {$18.00} of my funds that are unaccounted for and I would appreciate any help with this matter because the bank has said it is up to me to figure out how much funds are missing and how to go about receiving resolution but I see no way to do this if they will not listen to me.

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 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I closed my account a few years ago. When I closed the account, they advised me to cut up my card, which I did. I now want to complete a balance transfer with another company however ; the full account number is not printed on my statements. I called customer service to ask for my full account number. After I fully verified my identity, I was told it was against their policy to provide the number over the phone. I asked to speak with a supervisor. I was then told it was against policy and she could not see it because the account is closed. I asked if they could mail it to me, she again said no. Now, I have no recourse to get my account number and am stuck paying this high interest fees when a balance transfer offer I received ( limited time ) has zero balance transfer fee and zero percent interest for 18 months. I can not afford to stay with Capital One and they will not provide my account information so I am forced to continue to do business with them. In addition, my account is closed, so the full account number would not do any fraudsters any good, plus I wasn't asking for CVV and expiration date, which would be needed - if the account was even able to have charges added to it. Please help, I need this resolved so I can take advantage of this other offer and save money. It isn't fair that Capital One will not allow me to take my business elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a bankruptcy chapter XXXX that was discharged on XX/XX/2018. I checked my credit report and all was fine except XXXX XXXX a debt collector for XXXX XXXX XX/XX/XXXX XXXX XXXX Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with transunion and XXXX so far I haven't heard back from them, however I decided to call XXXX again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/2018. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX their phone number is XXXX The account number is 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