vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

THESE 2 ACCOUNTS HAVE BEEN PAID IN FULL - TRANSACTION ID XXXX XXXX THERE IS A {$0.00} BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a alert/notice from Equifax to enroll for XXXX   IDnotify monitoring service, as Equifax is collaborating ( transition ) to XXXX this subscription. I promptly contacted BOTH companies via email and customer service numbers provided and neither were able to provide the process or means to register for the solicited monitoring service. Both dismissed the solution to registering for the monitoring service ( ID notify ) at no charge for 2 years.

Several Federal issues for compliance are violated when an offer is extended and detail/means to transition are not specifically disclosed or available ( particularly when a live person and chat program are used in the communication ). 
A total unethical environment is associated with Equifax ( legal issues are massive ), and it seems XXXX is now in association! 

I want to register for this solicitation/offering!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I was refunded XXXX XXXX dollars from security deposit from an apartment complex. The check was written off BB & T. I went in there to cash the check and they refused to cash it because I didn't have an account. I wasn't the maker of the check. Instead, I was the payee. I'm not sure if I was supposed to have an account with them, since the Apartment Unit name and full address was on there. I ended up having to cash it with my Bank. I am complaining because I have had similar experiences with BB & T. They won't cash any type of check and in this case one with their information pre-printed on there. I'm not even sure if the teller looked the info up to see if the client was in their database. I live in a county where there are at least 3 BB & T banks.

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BlueChip Financial
State: MD

Complaint narrative:
I have become a victim of harassment and intimidation tactics by XXXX XXXX in an attempt to collect debt on XXXX XXXX. For over a year, I have received over 30 calls a day with threats to have me arrested for theft, threats to call my job, threats to come to my job sue me, and many other things that have caused me to spiral into XXXX. And causes me stress. I am unable to maintain my focus where it's needed as they call every hour on the hour. Yelling and using inappropriate language with every phone call to the point where arguments have ensued. I have asked them not to contact me as much as they do. I have tried to make arrangements, however, their intention is not to come to an agreement, but to collect the entire debt. The person 's placing this call have even gone so far as to threaten to post information about me on social media. I have already signed up for the DO NOT CALL registry and they still contact me. They are very unprofessional and disrespectful. Please, have them to stop calling me. It is to the point where I would like to sue them for this behavior. I have proof in my call records as well as phone recordings. Attached is a snapshot of the latest calls, as I have been deleting them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hi. I am the executor of my deceased brother 's will. Chase bank ( Credit Card ) owes my brother {$1000.00}. As the executor of his will I have obtained ( at considerable expense ) the necessary legal document to claim these funds ( Order of Summary Administration - Attached ). All other entities that owed my brother funds have come through. I have sent this Order to Chase and have spoken to them on the phone multiple times. Thus far, they have refused to honor the Order of Summary Administration and settle this matter. I sent Chase the Order of Summary Administration on approx XX/XX/18.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018

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 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018

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 2018-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have reached out 3 times by email to the company and advised them that the loan balance has not been updated since XX/XX/2018. On my credit report it shows last payment as XX/XX/2018 and the balance has not changed. It is XX/XX/2018, and payments has been made on time every month after XXXX. The balance has not decreased since XXXX and last payment has not been updated since XXXX. I am asking that this get updated, as I pay on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX, XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with First USA Bank, which is now owned by Chase. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX  XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the XXXX XXXX and she was very rude and would not provide any information on rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Please be on notice that I am submitting this complaint to your company regarding blatant violations of my rights as a consumer. I am submitting this complaint based upon the following list of harassment and items of complaint : 1. I borrowed {$450.00} from your company and the total of the loan was {$630.00} after late fees and taxes.

2. The loan went into collection and I made arrangements to meet the agreement.

3. My remaining balance is {$210.00}, and your company was taking {$100.00} out of my account weekly.

4. In good faith I agreed to pay the stated remaining balance, however, the said collection agency started calling and threatening me with a lawsuit.

5. The harassment got very outrageous : a representative of said company named XXXX started calling me on my cell phone all times of day and nights stating that he was going to file a law suit and have me served a lawsuit at my place of employment! 

Therefore, since I have been threatened with by the collection company, I am now pursuing this matter by filing a complaint with the Consumer Financial Protection Bureau. I missed XX/XX/2018 payment, and in good faith attempted to make re-arrangements on the payment agreement but said company refused to allow same. 
I contend that XXXX XXXX XXXX influenced me, under duress, into a predatory loan. I further state that the collection agency is, with wanton disregard, violating The Fair Deb collection Practice Act.

This act prohibits collection agencies from harassing, threatening and inappropriately contacting someone who owes money. 







In addition, The Federal Trade commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers. 

THEREFORE, I am seeking fundamental fairness in the way I am treated as a consumer with said company/agency, and re-negotiation of the debt agreement. Meanwhile, I look forward to a response or offer to resolve this complaint. 


Respectfully submitted, /s/ XXXX XXXX Cc : Consumer Financial Protection Bureau U.S. Attorney General Office Federal Trade Commission XXXX XXXX XXXX  [ L.S. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had checking and savings accounts with Bank of America for years. In XX/XX/2018, I closed out my last remaining accounts. Every month since XX/XX/2018, Bank of America has been withdrawing {$500.00} from my XXXX XXXX XXXX checking account around the XXXX or XXXX day of the month, and returning it to my XXXX XXXX XXXX account anywhere from 3-5 days later. 

I have spoken with Bank of America representatives on multiple occasions, and so has my wife in order to try to get the issue resolved. Bank of America representatives always act like they are investigating it, but nothing ever happens as a result, even when we call to follow up days later. 

The first time I discussed the situation with Bank of America, they told me that there was nothing they could do, and that I should have XXXX XXXX XXXX put a stop-payment on my checking account for the recurring transaction. I've spoken with representatives at XXXX XXXX XXXX, and they told me that they could put a stop-payment on, but that there is a fee associated with it, and that I would be better off resolving with Bank of America. 

Each month I have multiple credit card payments due on the XXXX and the XXXX day, and each month I come dangerously close to over-drafting on my account and risk multiple non-sufficient funds fees as a result of Bank of America withdrawing money monthly. I honestly have no idea what they are doing with the money, but I have told them that the transaction is not authorized. It's unacceptable that an institution of that size is unable to assist in the matter.

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received notification that a collection for an amount not owed was placed on my credit by Hunter Warfield. In XX/XX/2015, my wife and I were looking at moving to XXXX from XXXX and we reached out to XXXX XXXX XXXX. XXXX was the rep, and she told us that they had an apartment that might meet our needs that would be coming up. We had specific concerns due to having dogs and we were not familiar with the area. We were told that she could hold the unit for us for a period of 10 days if we filled the application and paid a {$99.00} application fee ( please see emails below ). We paid the fee and came out the week before XXXX. We were not happy with the unit and decided not to move forward. We told the agent that same day but followed up with XXXX on the XXXX. We never heard anything afterwards until we received a letter from Hunter Warfield. We never signed a lease or agreed to anything beyond the application. Hunter Warfield has not sent us any proof of the debt other then invoices from XXXX XXXX XXXX. The invoices were created weeks after we decided against the apartment and they weren't signed by us. The email that I will attach will show that at no time were we told of any fees other then the credit application fee of {$99.00} that we paid. 

The only proof that Hunter Warfield provided us after we disputed this was Internal Documents created by XXXX XXXX XXXX XXXX. Most were created weeks after we decided against the apartment. I have attached all the documents that Hunter Warfield has provided us with and none of it was agreed to before hand. Hunter Warfield claims that they don't have to prove that we agreed to the charges. They simply wouldn't remove the debt because their client want us to pay this amount even though we didn't agree to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I was approved for a loss mitigation reduction loan..I went thru the trial period for 3 months. After 6 months of on time payments, the mortgage company called and said that I have a second mortgage so would have to take back the loss mitigation process. The second loan was processed about 15 years ago. I have been trying to contact the second loan company in which at that time was XXXX XXXX. At this point that office is not open for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I have an unverified account from KEYBRIDGE. I had previously disputed this account. I have never done business with KEYBRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KEYBRIDGE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEYBRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN PAID IN FULL.

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 2018-11-12 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: CA

Complaint narrative:
Experian NOTICE OF VIOLATION FCRA 623 FDCPA 806 { b } which states that the creditor must enter a notice of dispute, if this is not entered the account can not report on the credit report XXXX you are in violation NO NOTICE OF DISPUTE AND you claimed you did an investigation which you claimed validated with out posting in dispute for past 6 months REMOVE THIS ACCOUNT AT ONCE you are the only reporting companies that has not removed accountYou have all evidence from XXXX  and my self sent through the CFPB occ XXXX and XXXX that clearly shows that the account was fraud inXX/XX/2014 and not made by myself nor did I have anything to do with it

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 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Have previously attempted to have this company validate the date and remove collections from credit bureaus. Upon further investigation I have found the original creditor was negligent in their billing practices and this bill should have been covered under workers compensation. Because I am a patient with this hospital my insurance was billed without my authorization as this was a workers comp claim. The time to submit the claim under workers comp had passed and they attempted to bill me instead of correct the error. This collections agency could not validate the information as requested because I should have not been billed in the first place.

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 2018-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX, Account # XXXX .Date Opened : XX/XX/2007 Amount : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closes my business platinum card and took away all points that I have accrued, both from promotional activities and normal spend. There were XXXX promotional points and approximately XXXX points earned from spending. I called them and they simply said that i do not have an account with them. Those points have cash value and they should not be able to remove those without any compensation. The account was closed in XX/XX/2018. 
I asked them to refund the points to me but they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Cancelled XXXX XXXX account on XX/XX/18 at XXXX. Spoke with XXXX at XXXX XXXX to cancel services effective immediately and pay final amount of {$210.00}. Conf # : XXXX. 
XX/XX/18 : Received collection notice from Radius Global Solutions regarding an account balance of {$94.00}. I paid this to avoid this amount reporting to the credit bureaus. 
XX/XX/18 : Attempted to speak with XXXX XXXX. I spoke with Customer Service agent XXXX who stated this account balance was to pay for XXXX. She was unsure why no bill had been sent prior to the collection notice. Spoke with XXXX who stated that she would " notate '' my account. 

I have attached my final XXXX bill as well as the collection notice. I have also attached the XXXX bill showing that I have paid XXXX directly as cancelling with XXXX on XX/XX/18 " unbundled '' with XXXX.

Company response to consumer: Closed with explanation