vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I contacted portfolio record to pay the balance owed, and I have been paying it back since XX/XX/XXXX every month. I do n't understand why they reported my account to collections. This is what I was avoiding in the first place, which is why I have been paying them back $ XXXX/month since XX/XX/XXXX. Now i need this account removed from my credit report as collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
Thank you for this service, it is appreciated. I had to have XXXX XXXX twice in XX/XX/XXXX, again in XX/XX/XXXX, this generated over 60 individual bills, regardless I had great insurance. My complaint is that I believe accounts are being turned over for collection regardless of payment history. In this case service was provided on XX/XX/XXXX and this invoice was for over {$2700.00} dollars and was one of a total of {$30000.00} from XX/XX/XXXX thru XX/XX/XXXX. monthly payments have been paid on all of them, the one being disputed today, payments were made on XX/XX/XXXX first invoice, XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and another made today XX/XX/XXXX. XXXX XXXX, without knowing an individuals financial situation demands how much has to be paid, In my opinion violating basic fundamental individual rights and ability to pay without undue hardship or threats of damaged credit, being told pay it and we will have it all removed, ( threat as defined by XXXX XXXX ) I have a perfect credit history except for the damage Chapman financial, and XXXX XXXX have done to so many here in XXXX XXXX ' XXXX Idaho in my opinion, With many of my clients sharing horror stories and about Chapman Financial and XXXX XXXX, XXXX XXXX, along with my own. I have submitted documentation of payments and they are attached, I will also obtain copies of the checks if needed., Chapman Financial company is one block away from my office and yet most of their correspondence is dated 10 days from receipt date, making it very difficult to dispute a debt in the ten business days allowed. Again it is in my opinion these practices need to be investigated even beyond my complaint. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: Ditech Financial LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX XXXX, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX XXXX  according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I became ill several months ago, following that my father became ill and then XXXX. I tried and did make payments to comenity, however it became impossible and I tried to arrange payments, they demanded large payments, made me cry. I just lost my father and they called and demanded a huge payment, then I get turned over to a collection agency for over twice the limit of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Company agree to remove negative information from Credit files once they receive the unemployment claim insurance form that they sent to me and and I return back to then in a timely manner and they got paid by insurance for it and left the negative Information in my credit files breaking the promises.

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 2017-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had been having difficulties with XXXX XXXX and suddenly get a letter from Midland credit management saying I owe them almost 4 thousand dollars because of a XXXX credit card with a limit  of only XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have a debt collection agency Listed on my credit report named Assetcare LLC, collecting on the behalf of XXXX XXXX. I 'm disputing this debt because Assetcare LLC is n't license in the state of Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30 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: TX

Complaint narrative:
XXXX XXXX in XXXX, WA has a " Collection/Chargeoff '' placed on my TransUnion credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted TransUnions but they will not remove it without XXXX XXXX consent.

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 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, CCS-Credit Collection Services, collecting on behalf of XXXX XXXX XXXX XXXX CCS is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: FL

Complaint narrative:
After 2 years of terrible service and overbilling by XXXX XXXX we terminated our lease and service with them at a corporate store. This was done on XXXX XXXX 2017. Approximately 2 months later we received a letter from a collection agency demanding payment of {$720.00}. Prior to this we had not received any bills from XXXX since we cancelled our service. When we left the corporate store on XXXX XXXX 2017 we were assured that we had done everything necessary and we owed nothing more. When we called the XXXX customer service number listed on the letter we were treated very nasty and told they could not do anything and that we had to go to the corporate store to fix it. We then we back to the same corporate store on Sat XXXX XXXX 2017. We spoke to the assistanct manager there and showed her the receipts we had from the date we terminated service. She also looked everything up on the computer to confirm. We were offered a copy of the bill ( which we never received ) for service going past our date that we terminated our service. The assistant store manager agreed that we did everything that we were supposed to do and we called customer service while at the store. She verified to customer service that we returned and terminated on XXXX XXXX 2017 and that this was not an error on our part but in fact an error on XXXX part. The answer from customer service was there was nothing they could do even with the assistant store manager offering to give them proof. Customer service would not transfer us to a manager on their side and told us to take it up with the coolection agency. This is fraudulant billing and they are threatening to stain my credit. After searching online they have done these dirty business practices to hundreds of other people.

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 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: NC

Complaint narrative:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

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 2017-07-31 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: NC

Complaint narrative:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

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 2017-07-31 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: NC

Complaint narrative:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
The loans amount I currently owe is in excess. I wrote to XXXX XXXX about tthe problems with my loans, and the lack of forms that were supposedly signed aka promissory note. I did not receive any promissory notes. Also, I was suppose to be refunded by XXXX XXXX ; 's and the other schools for lack of justification for the amount which is currently showing on my credit report. I have been charged un-farily and as a result, I had to seek private loans to pay for my XXXX degree. I wrote to them about this issue about 6 years ago and nothing was resolved or done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
The recent response to complaint # XXXX stated in the letter that a copy of note and payment history was attached. We were provided only a letter no other attachments.

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 2017-07-31 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:
I charged a headset on a Bank of America card that was sold to me as an " open box '' item that was missing a part. I had to make multiple trips to the store and they insisted that I buy the missing part. I did so but it was the wrong part and the store admitted that they did not have the actual part and that I would have to buy a whole new unit. Since I had also bought a warranty that required the store to replace the defective item with a new one I wanted to do a trade ( the normal procedure ). The store refused and I told them I would be disputing the charge.
I disputed the charge but it was not processed in a timely manner. When the store challenged the the dispute I was sent a letter that arrived on XXXX XXXX, 2017 and gave me only until XXXX XXXX, 2017 to respond. I did so by fax but Bank of America refused to process my dispute.

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 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i contacted midland credit management, inc on XX/XX/XXXXabout debt owed from a credit card that i never owned and they said they wo n't dispute it because it was a charge off and is in collections. the amount it says i owe XXXX from XX/XX/XXXX which it was reported originally from XXXX. i told them i never stayed at the adress listed. i also tried to have it disputed with a 609 letter and they sent me a statement with no valid proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX  XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
On XX/XX/XXXX, I checked my credit score and I noticed that XXXX XXXX XXXX made a derogatory remark on my credit history. It says that the account was opened on XX/XX/XXXX and the original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I have not been to the doctors nor did I have any blood work that involves XXXX. XXXX XXXX XXXX has never contact me nor sent me a formal letter and proof that I owe such debt.
T
he Original creditor did not try to contact me of this debt at all. They have not shown proof that I owe such debt. It is unprofessional and irresponsible to put a derogatory mark on my credit history without proving and notifying of such debt. It has dragged my credit score down.
I therefore disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and according to the information you sent me I never received such service for which Im being charged in the first place. Because I am disputing this debt, you should take the derogatory remark on my credit score immediately and PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section XXXX ) require that you honor this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
We resolved the issue, but I would like to share our story with the CFPB in case other consumers are affected. My wife just opened a new XXXX store card. The company, though, Comenity - XXXX has charged us late fees for 2 consecutive months on her card. This happens because the company tends to process our payments late. It feels as if they do this just so they can charge us fees. Since we use our bank 's billpay service, our bank confirms when the company receives the payments so we know that our payments arrived on time. Therefore, while we were willing to accept the first late fee as a possible error on our behalf ( we scheduled the payment for the due date ), we ensured that Comenity - XXXX received this " late charge '' payment a few days prior to the due date. The company STILL sat on our payment for a few days, processed the payment 1 day late, and charged us new late fees. We called Comenity - XXXX to resolve the issue, and they refused to reverse the charges. After a threat to report them to the CFPB, they decided that they could offer relief for our situation and dropped the fees. Still, we closed the card and are still lodging a complaint so others are not swindled by them.

Company response to consumer: Closed with explanation