vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I sent this company a letter asking them to delete a account showing that I owed a company XXXX I. Paid this debt of in XXXX and they refuse the incorrect info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
they refuse to provide an accounting. And I cant log in to my account.

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 2017-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I pruchase a years insurance with Original creditor : XXXX XXXX XXXX XXXX paid for a year upfront then XXXX months later they billed me for more i called them told them i paid the amount on my bill for a year they have no agreement with me for addituinal insurance but stil try to bill me for something i did not agree to then they cancel the insurance i paid XXXX XXXX for XXXX year and sent the additional bill for XXXX dollars witch i never agreed to now it shows as a bad debt on my credit report i never agreed to this or did i ask for more insurance they have not agreement or sign contract theat i sign for or agreed to in any form

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: OH

Complaint narrative:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for capital one credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since capital one was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all XXXX credit cards have been added back to XXXX and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened XXXX other cards to restablish credit now there is a total of XXXX cards that I can not pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
This company continues to call me after I told them to stop. They will not tell me what they want without providing personal 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 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Payments Check Services, Inc.
State: MI

Complaint narrative:
Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In mid XXXX my daughters debit card was stolen there were several transactions made. We spoke with 's and was told that they would investigate. She was told that they were canceling her acct. After a few weeks a negative balance showed on that acct in the amount of XXXX. I have XXXX other checking accounts and they were all attached. On XXXX/XXXX/XXXX I noticed XXXX} taken from XXXX of my other act 's. And that same amount was pending on my daughters account I called and spoke with several people. XXXX @ XXXX, XXXX @ XXXX and XXXX XXXX @ XXXX. I was told by XXXX that my daughters acct was closed and no transactions were allowed and that at XXXX XXXX. the funds would be added back to my active checking account ( please listen to recording ) the next morning XXXX/XXXX/XXXX the funds had gone thru and her account was now XXXX I began calling I spoke with XXXX @ XXXX ish, XXXX @ XXXX call was escalated and I spoke to XXXX @ XXXX then XXXX from lost prevention @ XXXX then supervisor XXXX @ XXXX the call dropped and I called back and spoke with XXXX. Everyone else that I spoke to was able to access my account with no problems. When I got XXXX in the line he informed me that ALL of my act 's had been frozen and there was nothing to be done. I then went into a branch where I was told the same thing and that this was policy and procedure. They took my money after a supervisor advised me that they would n't and would not listen to the call because they said they were following procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
I am currently paying this debt to XXXX XXXX they are collecting XXXX from me. This debt collection is causing me severe XXXX. I am a XXXX XXXX with severe medical issues who is making monthly payments to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The debt was paid in full in mid XXXX ( {$110.00} ). Then they took another {$55.00} out of my account on XXXX. Then mid XXXX they sent a statement showing they owed me a refund on {$55.00}. Despite this they took another {$55.00} out of my account which then caused an overdraft charge from my bank of {$35.00}. I have contacted them and they said send documentation which was on XXXX/XXXX/XXXX ( both faxed copies of everything and mailed copies of everything ) Since this time they have locked my account online and will not respond to my emails or inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Credit card issued, then suddenly canceled within less than one month of use for no reason. I have paid for the charges made on the card but refuse to pay the ridiculous fees for the banks error of issuing the card and closing in 3 weeks! Final statement was never issued and instead late payment reported to credit reporting agencies. Damaged my credit significantly from mid XXXX to XXXX and horrible customer service at XXXX/ Bank of America !

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 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is a third class bank Recieved a call from XXXX XXXX 10 days ago and she said she we will solve the problem together. 

She sent me an email which mentioned that I will not be able to reply to the email but can call her on the number provided, I was not able to call her on the number provided from my regular phone, had to borrow a long distance calling phone from my friend, I called XXXX at least XXXX times, left her ample amount of voicemails but there is no response from her side. 

Bank of America is not solving my problem, from last XXXX week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XXXX/XXXX/XXXX, I spoke with XXXX different supervisors ( XXXX was XXXX ) and with XXXX others on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. XXXX supervisor says something and the other XXXX says something else. Please solve my problem and ask Bank of America to give me a credit of the charge I never made. thanks

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 2017-10-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After the Equifax hack announcement, I applied to their Trusted ID credit monitoring program. According to the best of my knowledge and according to them, I was successfully registered with the program. However, at the time I registered, Trusted ID did not provide me with the means to register a password, nor have they subsequently provided me with a means to register a password, nor have they provided me with a password. Consequently, I have not been able to access and view my account. I have called the company and e-mailed the company to inform them of this problem. To this date they have not responded with a positive solution : I am still frozen out of my account. When you call or e-mail the company, they and their representatives just give you the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: OH

Complaint narrative:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XX/XX/XXXX of XX/XX/XXXX. Bankruptcy XXXX in XX/XX/XXXX of XX/XX/XXXX. Fast forward to XX/XX/XXXX checked my credit report XX/XX/XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to XXXX and transunion report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

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 2017-10-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: OH

Complaint narrative:
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing Experian told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

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 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The issue is with unwanted Credit Card Solicitations from Capital One. 

My name has been 'opted out ' of receiving Credit Card Solicitations with the credit bureaus for several years. 

I have repeatedly received Solicitations for a " XXXX XXXX '' credit card over the past several months. 

I checked to verify that I was still blocked from getting Credit Card Solicitations with the bureaus, and that block is still in place. 

I called Capital One to inform them that they are sending solicitations to people who have 'opted out ' of getting them. 

The clerk on the phone wanted to take all of my personal information before they would contact a manager to let them know that they were getting a complaint regarding solicitations being sent inappropriately. 
The point here is -- If I am getting them and should n't be, so are others. My specific information should not be needed, in order to report a Marketing process error to the manager for further investigation. 

Why would I voluntarily give them my personal information, thereby bypassing the need to check to see if it is acceptable to send me solicitations? If I give them my information voluntarily, that establishes a 'business relationship ' and they can send my any kind of junk. 

CAPITAL ONE : check your Marketing process! Where are you getting your solicitation list from??? And STOP DOING THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bronstein & Weiss Arbitration
State: UT

Complaint narrative:
This is basically started from a previous complaint # XXXX I filed, at that time I thought it was XXXX XXXX, but it was n't. On XXXX/XXXX/XXXX my girlfriend got a phone call from a lady named XXXX XXXX from phone number XXXX, in reference to me XXXX XXXX XXXX, this lady proceeded to tell my girlfriend that if I did n't resolve this matter, that they would turn it over to the District Attorney and have me arrested. At that point she called me and told me I needed to get to her house and talk to this woman, at which point I did. She told me that she had been contacted and had this matter turned over to her, funny thing is this is the same company that I talked to before. Incidentally she had told the whole story about this to my girlfriend and stated they would have me arrested if I did n't resolve it today. I talked to her on my girlfriends phone ( XXXX ) for approximately XXXX minutes, she told that I could be arrested because I had sent a check, which I never did and had created fraud against this Payday loan Company ( XXXX ), I basically was forced to sign a document under duress that I would make this matter be paid from my debit card, as they would no longer accept any checks from me. I will attach a file with the document in it to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-07 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: Meade & Associates, Inc.
State: PA

Complaint narrative:
Previous complaint # XXXX was filed, but apparently you have no record of this company. The amount they are attempting to collect is {$120.00}. {$70.00} of this claim was resolved by XXXX XXXX dispute resolution. The other is apparently a {$50.00} paperwork fee of some sort? No product of any type was ever furnished and the on line agreement was canceled using their pre printed cancellation form within 7 days of an on online enrollment form. The purpose of this company is to supply high priced prescription medications not covered by XXXX XXXX XXXX or insurance. They never furnished any meds to me. I do have the XXXX resolution documents, but for whatever reason I ca n't upload them -- -- jpg?

Company response to consumer: Closed with explanation