vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXXand on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 )  unknown accounts on my credit and numerous amounts of inquiries which I did not authorize. 

On XX/XX/XXXX I wrote my first letter to XXXX XXXX XXXX. On XX/XX/XXXX and again on XX/XX/XXXX I wrote to the creditor XXXX XXXX XXXX and informed them that the account was unknown to me and that I requested full validation for the account. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and th reply from the company, please note the incorrect address that XXXX XXXX XXXX has relating to this account XXXX of which it is unknown to me. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to XXXX   XXXX XXXX made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed XXXX  XXXX XXXX that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, the company XXXX XXXX XXXX XXXX was bought by another company known as XXXX. I owned shares in XXXX XXXX. On or about XX/XX/XXXX, I received a check for the shares I had owned in XXXX totaling {$3200.00} with Wells Fargo Bank, NA as the disbursing agent, check # XXXX, account # XXXX. 

The check was misplaced and subsequently later found in XX/XX/XXXX. On the check was printed " void after 180 days ''. I took the check to the local Wells Fargo bank and explained what happened. I was informed by customer service that they could not cash the check because the check was beyond the valid date. Additionally they alleged that the check needed to be re-issued by the company however, XXXX transferred all funds to Wells Fargo as they were dissolved as a company. Since Wells Fargo is listed as the " disbursing agent '', they hold all funds. Consequently Wells Fargo converted those funds to themselves and still holds said funds. They did not forward the proceeds of the un-transacted check to the State of California as unclaimed funds. At this time it is my allegation they kept the money within their institution and will not take any action to assure I receive my proceeds. 

Wells Fargo, NA through their own admission based on a settlement they entered into, have been guilty off unfair practices regarding consumers. This is a further example of their duplicitous business practices.

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 2018-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
These people have contacted me a second time with no line item invoice which will be required. 

There was a charity account that they should have been paid out of at XXXX XXXX assuming that this is actually from XXXX XXXX. They were notified and I will attach the letter again. 

AT NO TIME DID I VISIT XXXXXXXX XXXX XXXX Everything was done AT THE HOSPITAL Without an accurate invoice and proof of an attempt to collect from the Charity This is a dead issue. 

I am sick to death of medical industry thieves trying to collect double and triple fees and threatening me. 

Show me that they contac5ted the people that said this was covered. 

Again I will state that an itemized invoice is required.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: IN

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX and ERC either company, s have not tried to contact me over this bill if i owe. i checked my cell.I had this problem months ago with focus should be on file. They continue to do this.i will call erc today and let them know i have already file a complaint with XXXX and cfpb about this. That they wrongfully put this on my report and they should have XXXX XXXX call me on this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: SC

Complaint narrative:
PMAB , LLC has been contact me and reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXXXXXX XXXX XXXX for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Per court order divorce agreement ex husband assumed Bank of America home mortgage. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called Bank of America. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau XXXX and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. XXXX says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: CT

Complaint narrative:
American Cordius International LLC claims I owe XXXX to XXXX, this account was closed with numerous overdraft fees charged which are in dispute, XXXX would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused XXXX account to become overdrawn and fees charged. Stop payment is not my error, however, XXXX refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXXXXXX XXXX to XXXX. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears XXXX did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, American Cordius International needs to remove account from collections as well as any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a joint mortgage account with my ex-husband with CitiMortgage, and noticed that my most recent XXXX credit report contains a late payment reported on XX/XX/2012. I submitted a letter to CitiMortgage documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided CitiMortgage with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with CitiMortgage somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which CitiMortgage required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to CitiMortgage was sent from my current address, but CitiMortgage will only send a response to my ex-husband 's address. CitiMortage has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.

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 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WAFD BANK
State: ID

Complaint narrative:
Here is a summary of the chain events leading up to today : XX/XX/XXXX - my wife and I visited Washington Federal 's branch location on XXXX XXXX after receiving a letter indicating we owed Washington Federal money. We thought it was SPAM,  but given the branch was near our house, we went in to confirm there wasn't some type of mistake. We spoke with XXXX, who informed us that approximately five years ago, Washington Federal acquired XXXX checking accounts for XXXX-based accounts. Despite the fact that my XXXX account was established in XXXX, because we now live in XXXX, we learned that our account was affected by this. Based on the records that XXXX was able to pull up in the Washington Federal system, unbeknownst to us, Washington Federal began applying monthly fees to our account for at least the past 18 months, effectively draining it of every penny to the point where Washington Federal was now informing us that we owe the bank money. Upon trying to determine why this was happening, it was evident that there was no cost being incurred to Washington Federal, but simply that new terms had been applied and that this was at the discretion of WashingtonFederal.  I was also told by both XXXX and, subsequently XXXX XXXX the Washington Federal regional VP, that we had been suitably notified of the account changing hands from XXXX to Washington Federal. I can not confirm if anything was ever sent from either XXXX or Washington Federal on this matter, but I can confirm that my wife or I never received any such notification. Never. Moreover, after I established the XXXX account ( I believe in 1993 ), at some point several years later as a XXXX employee I was given a lifetime account that was to be free of administrative-based charges XX/XX/XXXX ( after a series of voicemails and short chats ) - XXXX and I spoke and XXXX reiterated the bank 's offer to close the account and pay back one year 's worth of fees, equaling approximately {$120.00}. XXXX also indicated that the balance of my account when it transferred from XXXX to Washington Federal was approximately {$230.00}. The bank 's position on this is that this offer is more than fair given its policy of only going back and reversing three months of charges and that I, as the account holder, should have been checking my balance more frequently.

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 2018-08-13 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
this debt is listed as closed on my XXXX report but not XXXX and XXXX, further more the open date on this account is XX/XX/XXXX not XX/XX/XXXX. the original creditor violated the contract terms and took more more than was authorized on this account and then refused to credit it on the account as a double payment and then tried to show me as noncompliant and delinquent which is not only unethical but highly illegal, several attempts were made to resolve this matter but to no avail, and this is the third company in as little as 5 years to try to collect this debt. XXXX is violating federal law and the fair credit act in changing date and the amount is way off by XXXX dollars this debt is over 8 years old and is no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2018 I mistakenly processed a payment to PayPal Credit for the amount of {$1900.00} through my banks bill payer system. This payment was actually my mortgage payment on XX/XX/18 I was advised by my mortgage company that they did not receive monthly payment, XXXX XXXX XXXX advised me that PayPal cashed the check and I need them to refund the amount back to me. On XX/XX/18 I spoke with PayPal who informed me that a check would be sent out in 7-10 days.  On XX/XX/18 PayPal emailed me in reference to refund check that was never received per our phone conversation that day. On XX/XX/18 I spoke to PayPal again  about not receiving my refund check, they stated again that a check was sent out. On XX/XX/18 received another email in reference to refund check not received. Email states 24 to 48 hours for resolution, still have not received refund check on XX/XX/18. I feel I am being taken advantaged of by this company and have been more than patient but if this complaint does not resolve the problem litigation in small claims court will be my only other option.

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 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My car was stolen on XX/XX/2018 The car was reported to the police, insurance company and American Credit Acceptance the " lien '' holder. The car was found 5 days later and it was involved in a serious auto collision XXXX my insurance company declared the car totaled out. American Credit Acceptance the lien holder got paid from the insurance company on XX/XX/2018 in the sum total of {$14000.00} Also the ext warranty was cancel by XXXX the auto dealer and XXXX XXXX paid out to American Credit Acceptance they were paid out {$2500.00}. American Credit Acceptance when i called them on XX/XX/2018 they told me i had an overpayment of {$1000.00} and some change I don't remember the exact amount the first rep told me that it will be mailed out to my new address with in 1-2 weeks i said fine thanks I waited 1 week nothing came in the mail I call back talk to another rep they stated the account again has an over payment due to me and it still being in the process he advised it will take 3 more weeks and the payment should be mailed out on XX/XX/XXXX i said ok and waited and i called back again on XX/XX/XXXX no payment was received by me still I talk to a rude lady and she told me I don't know why I keep calling because there is no overpayment on the account and I will never receive my money. I told her i had the proof from XXXX and XXXX and she told me XXXX only gave them {$1500.00} and i asked her where did the other {$1000.00} went and she told me my account was {$0.00} balance but no overpayment I hung up on her out of frustration I have the proof and she the rep called me a liar and every rep i talked to a liar because there is no such payment owed to me very frustrating.

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 2018-08-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this 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 2018-08-13 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ turnpike toll close to the Medowlands, he demanded my credit card upfront for payment, ( first my XXXX XXXX ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my Capital One card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions were made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had XXXX on the phone while he was still driving me and he was harassing me the entire ride, I made sure the XXXX rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.

Company response to consumer: Closed with explanation