vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This company ( Consumer Collection MN ) ( Account # XXXX, XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
XX/XX/XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX .- These are all the dates this company used a skip tracing robo dialer system to reach me. On the first initial contact I missed the call and called back. I talked to a gal. Which informed me the call was about a payday loan I took out and fell on hard times. I let herr know that I am in the process of taking care of my delinquent debts and would like something in writting. She let me know she can email it to me. I provided and verified the email address with her. She was very pleasant. The next couple of calls I did not answer for I was at work. I then got another call and answered it at work and let the rep know that I am ceasing all future calls to myself and she told me there was nothing she can do about that calls and cant promise that. I then let herr know at this point I am educated with the law and let her know again her company is not to contact me on my cell phone again she rudley cold tranfered me to what she called a specialist. I ended the call. Today XX/XX/XXXX at XXXX I answered the call and again its that comapny with a skip tracing messaging used via a robo dialer system ( not a live rep ) I had to press 1 if I knew the wear-abouts of myself. I was then transfered to a live rep = Which i informed the rep they are robo dialing a cell phone and they have been ceased from communication. he claims i have to send a letter. I let him know that I verbally told the company already twice before. as I asked in what this is pertaining he terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a XXXX credit card that was issued by Chase Bank The card number is XXXX. On multiple times I had my card stolen and I reported same to the Chase Bank. Upon close examination there are charges on my card that were no made by me. 
Chase has a policy that states that the card holder is 100 percent not liable for charges that are not made by the card user. 
I have reported such items to Chase and they refuse to credit my account for these charges not made by me. 
The charges in question are as follows : XXXX on XX/XX/18 in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX There charges are not all encompassing as there may be additional charges to this account that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
This company ( Harvard Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am in the process of determining if I can XXXX my XXXX. I have a friend who will likely need a XXXX XXXX very soon and he is on the list at XXXX XXXX XXXX, and as a potential XXXX I was asked to take a lot of tests. I took those tests through XXXX XXXX at the beginning of the year and I forwarded the bills I received to XXXX. 

Later this year I received a letter from Credit Collection Services saying I owed an additional {$350.00}. I called and asked for a bill that provided proof of the actual expense ( which XXXX requires in order to pay ) and they said that the original bill from XXXX had been sent to an address. They read that address to me and then acknowledged that that is NOT the address they had listed for me ( i.e. it was not my address, or any previous address ). Still, I was sent to collections for a bill that I never received and that they know I didn't receive, and I was told that I was expected to pay it sight unseen. I requested a copy of the bill and was told that they would mail it to me hard copy because while I could pay online, they could not send me documentation online. 

When I called two weeks later after still not receiving the bill in the mail, I was told that the bill was in the mail, but that they had reported me to the credit agencies. So, now my credit is being impacted over a bill that was never sent to me, that I can not verify or dispute because I never received it. I spoke with Credit Collection Services again and all they would say is that I could fix the issue by paying them immediately over the phone, despite them knowing that at no point have I had the documentation to verify the charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. XXXX XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 
On the XXXX payment chart, my account shows no past-due for the date of XX/XX/2018 thru XX/XX/2018, there is a green check mark indicating it was paid on time which is correct. On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NV XXXX managing for LVNV Funding, LLC for the amount of {$800.00}. 

Although, I explained the fact I had experienced two major hurricanes, and my county was deemed a natural disaster by FEMA, and no concessions were made by XXXX XXXX XXXX   due to the hardship. I was unable to pay tis debt on-time due to this natural disaster. I incurred late fees and interest fees due to the refusal of the company trying to accommodate this natural disaster, of Hurricane Florence and Michael, during the month of XX/XX/2018. 
Instead, it was reported on my credit report. I notified the company of this matter and again there were no attempts made to offer me concessions for this charge- off account. I recently received a letter from XXXX  stating the status of this disputed account, was accurate and modified,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
We purchased a home in XX/XX/2019 and took out a mortgage. On XX/XX/XXXX, we sold our previous home and received payment for it. On XX/XX/XXXX we tried to pay off our mortgage. Our original mortgage was through XXXX XXXX XXXX in XXXX, and they quickly transferred it to CMC Funding. We received a letter dated XX/XX/2019, telling us of the transfer and to send all payments after XX/XX/2019 to CMC Funding. I called CMC Funding on XX/XX/XXXX and each business day since then asking for a payoff so we would quit accruing interest. Im told each day that it hasnt been fully loaded into the system and to call back in a few days. This has been going on for a full three weeks with no satisfaction. I have been told conflicting information and have asked to talk to a supervisor several times. I am told no one is available ( even though they were able to ask their supervisor questions ) and Im told a supervisor will call back within 24 hours and I have never received a call back. One employee told me they had XXXX loans to upload and that they were all supposed to be uploaded by Friday XX/XX/XXXX. I believe they could accommodate this request but dont want to do it yet because they earn interest every day until it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has and continues to report delinquencies with my auto loan which has adversely impacted my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I FILED ONLINE DISPUTE THRU TRANS UNION ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD  SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX  ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX  ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists

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 2019-10-29 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: SC

Complaint narrative:
I FILED ONLINE DISPUTE THRU XXXX XXXX ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: MD

Complaint narrative:
XX/XX/2019 Student loans from XXXX XXXX XXXX XXXX were re-financed with a private lender, XXXX. 
XX/XX/2019 In reviewing my account with XXXX  I noticed a balance for {$180.00}. When I called and inquired about the balance I was told that I owed that amount and that it was 2 months past due. The representative informed me on that call that the balance should have been paid by XXXX, but it was somehow missed. I proceeded to pay the {$180.00} balance in full and now the loan is paid off. 
After the conversation with the Representative ( 2-3 days later ), I received credit alerts and notifications via email stating that my XXXX loan was reported 2 months late. Confused by this, I contacted XXXX again and I asked for a goodwill gesture of removing the late payments from my credit report because the oversight was made by XXXX ( private lender ). XXXX refused to consider removing the late notices. The two late payments dropped my overall credit score and rating by 87 points with all 3 credit bureaus. I take issue with this because ( 1 ) XXXX  failed to contact me by mail or phone to collect or notify me of the late payments which would have given me the opportunity to pay the balance immediately. ( 2 ) The late payment notices didn't show up on my credit report until AFTER my phone calls to XXXX. ( 3 ) XXXX is the responsible party in this incident, but because I've paid the loan off, they can not do anything on their side.

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 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have tried talking to the mortgage company and ask for assistance and they will not review a short sale. I can not afford my mortgage because I lost my income and have since gotten another job but I am receiving significantly less then i was before. I need help, and I have a buyer who is willing to purchase the property. I am just asking for them to review so we can get a short sale done and i can avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On or around the XX/XX/XXXX of XX/XX/2019, I recieved a card in the mail with name and info attached. On the XX/XX/XXXX i told square /cash.app of the mistake that was made using my identity. An account was made in my name and address. After numerous messages via XXXX to their verified account i finally recieved an email on XX/XX/XXXX saying they needed even more personal information. They were not using any form of credentials when asking for my information. They don't have a phone number or way to contact them outside of social media. This facilitates a gap in banking where they're allowing XXXX   to use my identity and sell them my data without being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau : I am writing to make an official complaint against Mohela, my federal student loan provider, regarding the capitalization of > {$10000.00} in accrued interest on my loan after I entered the first payment period. I graduated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, repayment for the first time. I believe that the capitalization of my accrued interest is an unfair business practice and I was deliberately misled by Mohela regarding the capitalization of my loan. 

I have called Mohela to discuss my loan >5 times between XX/XX/XXXX and XX/XX/XXXX and was never told that the accrued interest would capitalize. The two signed promissory notes, one for XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and one for XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX ) both state that accrued interest " may '' capitalize and the subsequent interest statements that I received also said that interest " may '' capitalize when my loans enter repayment after graduation. None of the paperwork that I signed ever clearly stated the rules and conditions under which this judgement would be made by Mohela. " May '' is a deliberately vague and misleading description that leads me to believe Mohela made the decision to capitalize my accrued interest at their own discretion, and in a deceptive manner. This business practice will likely result in an increase of > {$4500.00} in loan repayment to Mohela. 

I am happy to provide any additional documentation from Mohela that is necessary to review my claim. I hope that the CFPB will assist me in this matter. 

Kind regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I tried calling Equifax to release a freeze on my credit. I gave them all the information requested but they were still unable to check my credit/pull off my freeze. I need this for my business and need it to be handled in order to move forward.

Company response to consumer: Closed with explanation