vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
Aqua Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: PNC Bank N.A.
State: DC

Complaint narrative:
After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. 

Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. 

I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. 

I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. 

Thank you in advance for your assistance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I never lived in XXXX XXXX or whatever the company name is. The collection company have no information of me aside my current mailing address, which I provided. 
They never verified the account is mine, nor have my Social security and the account is not mine. They said they need my info to file for the credit bureau but they can't verify it's mine or confirm it. Please tell them to remove it from my report and stop collecting money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in hopes to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant part in this procedure. 
I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late several times to the credit agency ( XXXX, XXXX and XXXX ) and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, and if i remember correctly capital one closed my bank account that i used to make my payments to this account and i was enrolled in auto-pay and since my account was closed the payment was not processed, i am not sure about this but i know that i am usually enrolled in auto pay or i make my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc.
State: DE

Complaint narrative:
XXXX XXXX is showing on my credit a collection in which I do not owe. I cancelled my insurance before the renewal when I was told my insurance would double due to an accident. I paid the account in full at the end of term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: SC

Complaint narrative:
On XX/XX/2018 I received an email from XXXX XXXX XXXX XXXX claiming I owed them {$1400.00}. 

They have placed a collection on my credit report for that debt 5 years after I allegedly lived at this location. 

The company has sent me several emails that attempt to make me settle or continue to have my credit score impacted. 

I informed them I am disputing this debt and make no claim that this debt belongs to me. They refuse to remove this debt from my credit profile in an attempt to collect this debt that I have made clear that I DO NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted by the Navient office in Indiana to discuss options for repayment. They failed to disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws. I explained to the representative that I was not working, currently enrolled in school and unable to make the XXXX payment or a XXXX payment to make the account come current. The representative, XXXX, in the Indiana office began to leave deceptive, harassing and unlawful tactics on my voicemail and failing to disclose the intention of her call. Again, on XX/XX/XXXX, the same representative called and left a voicemail again failing to disclose their intentions on collecting on a debt. On XX/XX/XXXX just four days later the same representative called leaving a voicemail with an intent to be threatening by using deceptive, abusive and harassing tactics to collect the debt. On that same day, XX/XX/XXXX, the representative called two of my family members, even though the representative has a working number, that were not authorized on the account to be contacted. On XX/XX/XXXX, I contacted the Navient office and spoke with a representative that again did not disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have been having trouble with Wells Fargo Mortgage for 7 years I've been trying to get Wells Fargo to remove a negative remark on my credit report that states my home at XXXX XXXX XXXX XXXX XXXX NY was in a bankruptcy in XX/XX/XXXX. it was not I had been making payments every month right up until I sold the home on XX/XX/XXXX.I have called Wells Fargo at least 10 times about this problem to no avail. I have also sent certified letters to all three credit bureau 's with supporting documents to prove that payments were made and that the home was sold in XX/XX/XXXX and paid in full. Still no one is correcting my credit report now I want Wells Fargo Mortgage removed from my credit report completely or at least updated and the statement that house was in bankruptcy removed and it should show house was paid in full. It is my experience that Wells Fargo Mortgage is dishonest and a crooked lender they are allowed to get away with murder and no one stops them. I have sent all 3 bureau 's undisputed proof that the house was paid for and I made my payments on time for the last two years.I need the XXXX XXXX to intervien and get my credit report with all three credit bureau 's corrected. please help me. on XX/XX/XXXX I sent letters to all three bureau 's requesting a correction but they did nothing on XX/XX/XXXX I also sent out letters certified mail. demanding that they correct my credit report but I assure you nothing will be done. I have copy 's of all corespondence including certified letters supporting documentation to prove my house was not in a bankruptcy.and am ready to inclose with this complaint.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Contacted XXXX XXXX XXXX customer service on XX/XX/XXXX via telephone regarding an account that is listed negatively on my credit report. The account is listed as being collected on by Pro-Collect FOR XXXX XXXX XXXX. Being that I have NO contract with ProCollect, I contacted XXXX to see what my options were to resolve this. I spoke with XXXX in customer service at XXXX XXXX XXXX. I was told by XXXX that she thinks the account is in collections with ProCollect and she is not sure how I would pay. XXXX went on further to say ProCollect does not collect for them anymore AND no one does at this time.

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 2018-04-23 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
My employer received a writ of garnishment on me for a credit card through XXXX XXXX. I did have a credit card in XXXX and possibly still owe the debt. However, the judgment is through XXXX , XXXX through an attorneys office. The judgment date on the court document says XXXX, XXXX but the order was signed XX/XX/XXXX. The card was last used in XXXX. However, the XXXX company could not provide me with any information other than it was a XXXX account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with XXXX other than that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX Had a wreck and total loss my vehicle. Was not educated on how payments work while under insurance processing. I have never been late on a payment for 2 years and received a late payment because of the total loss process and the company isn't willing to get it removed from my credit score after there has been on time payments. 
XX/XX/XXXX Spoke with a representative that stated that i was not late on my payments and stated she would send in a dispute. She stated that it would take 30 days to update. 
Capitol One received my insurance payments and the amount is paid down from XXXX to XXXX. Late payment still hasn't removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, URGENT : XX/XX/XXXX My name is XXXX XXXX I have been trying to get an issue resolve with Capital One since XX/XX/XXXX with no resolution. I have an account that has been removed off my XXXX Report in error due to a dispute. I have call and emailed XXXX and was told that Capital One has to report the account as an open and Valid account. I have called a number of times one day in XX/XX/XXXX, XX/XX/XXXX and multiple times in XX/XX/XXXX. I was disconnected from mangers like 4 times. Of courses they NEVER called me back. I was told in XX/XX/XXXX that it will take up to 60 days to have the accounted corrected with XXXX. Im writing this letter at this point in hopes that I can get a resolution with someone that knows how to do their job. I have lost ALL CONFIDENCE with the Managers that Im immediately transferred to EVERYTIME I call. I would greatly appreciate an email, phone call, or a letter letting me know that the issue is in the process of being resolved. 

Thanks in Advance, XXXX XXXX XXXX XXXX Last four of account number=XXXX Last for of SS # =XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Medical 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: The Thomas Agency, Inc.
State: FL

Complaint narrative:
The Thomas Agency ( Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, ME XXXX & Phone : XXXX ) contacted me by phone in XX/XX/XXXX regarding a medical debt for a XXXX  XXXX in XX/XX/XXXX. I thought this debt was paid in full but it turned out I still owed a balance. Their representative claimed they had attempted to contact me by mail multiple times but I had never received a single letter. The representative I spoke with refused to put me on a payment plan, stating that since I had not responded to letters I had never received that I could not be trusted to make on time monthly payments. I asked if they would take a smaller amount for the time being until I could pay off more of the debt and the representative made fun of me stating, " That's it, that's all you can pay? '' At the time, I was only making $ XXXX/month. I told her that's all I could pay at the time and asked that if I made a good faith payment if they could not report it to my credit report. The representative laughed and stated that she could send the police to my house to have me arrested for what I owed. I hung up because I did not feel it was appropriate to be talked to this way. I called back and spoke with another woman who stated that The Thomas Agency had confused my address with someone else which explained why I did not receive any letters. I asked if I could be placed on a payment plan and she said that she didn't believe this would be a problem so she placed me on hold so she could speak to her manager. As it turned out, her manager was the woman I had hung up on. When I spoke with this woman again, she was even more cruel stating she would begin reporting my account to the credit bureaus.When I brought up what her employee had said, the woman said that she was stupid and didn't know anything. I later took out a student loan so I could cover the cost. I realize that I am reporting this late but whenever I check my credit report, I see this record and I remember what I went through. I was XXXX and XXXX after this incident and had a difficult time opening lines of credit after this incident. I felt like I had been punished unfairly and illegally.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity.

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 2018-04-23 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.

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 2018-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.

Company response to consumer: Closed with explanation