vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: NV

Complaint narrative:
Debt was in dispute with original creditor earlyXX/XX/2018. 

Collection company called XXXX XXXX XXXX attempted to collect in XX/XX/2018. XXXX XXXX XXXX failed to verify the debt and they were also notified it was in dispute. They were unable to validate or verify. Transfer or reassignment consent was not given and they were demanded to validate and verify. 

The Debt was reassigned to Merchants Adjustment Service. We have since requested and demanded validation and verification or the alleged bill. 

Complaint is about the transfer or reassignment of the collection attempt with another company. My understanding is that this is illegal under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from TransUnion, XXXX, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on TransUnion, XXXX, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, 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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, Experian, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, Experian, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, 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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I started receiving robocalls a few days ago from an outfit called Commonwealth Financial which I ignored because I have no outstanding debt with any party. Now they have dinged my credit by 100 points and I am livid! I do not recognize this debt or this company and they have many fraudulent marks against them online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Sun Loan Company a request for validation and letter of dispute for an alleged debt.

Sun Loan Company received and signed for the letter on XX/XX/2018.

Sun Loan Company failed to provide validation for the alleged debt and to place a comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Sun Loan Company for which they received and signed for on XX/XX/2018. Again Sun Loan Company completely ignored my letter and failed to place a comment of dispute with the credit bureaus. On XX/XX/2018, I once again sent them a letter via certified mail for which Sun Loan Company received and signed for on XX/XX/2018. For the third time in a row Sun Loan Company continued to blatantly show disregard for federal laws and not provide validation for the alleged debt or place a remark of dispute with the credit bureaus. By doing so Sun Loan Company is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.

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 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I made a payment of {$2100.00} to my credit card that was received, XX/XX/2018. The payment was received and cleared by the merchant approximately, XX/XX/2018 and Synchrony Bank granted me around {$850.00} of credit, instead of the full amount. It is unfair of Synchrony Bank to " float, '' {$1300.00} of my payment for 1 week and I believe in violation of state and federal regulations.

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 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I filed complaint # XXXX back on XX/XX/XXXX regarding Portfolio Recovery Associates Inc. regarding false statements or representation. They claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were retained and responsible for providing the correct amount of payments I made on XXXX County case # XXXX. The original debt was {$20000.00} but a settlement was reached for the amount of {$8200.00} with payments to begin XX/XX/XXXX. Portfolio Recovery Associates Inc. has been reporting the incorrect amount since XX/XX/XXXX and claimed in response on CFPB complaint # XXXX that XXXX XXXX XXXX XXXX XXXX were the ones responsible for reporting the incorrect amount. My credit report has Portfolio Recovery Associates Inc. reporting the incorrect amount. I reached out XXXX XXXX XXXX XXXX and they sent me the attached letter. This is proof that Portfolio Recovery Associates Inc. has been negligent and reporting false statements to all 3 major Credit Reporting Bureau 's. The letter dated XX/XX/XXXX indicates my balance is {$5100.00}. Since then, I have continued to send my {$100.00} per month due the XXXX  of every month. My balance should be {$4600.00}. This is the correct amount that should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian.com leads you to believe they have a basic service that has no fees. I was hit with a fee, {$21.00}, and canceled the membership online in early XX/XX/2018. Experian pulled another month 's fee in XX/XX/2018 and I've been unable to connect with customer support to reverse this second fee. The website directs you to an automated service that does not allow you to question the fee or file a complaint directly with the service. 

My member number is XXXX And the transaction appears below in my statement. 

XX/XX/2018 Experian* Credit Report {$21.00} SUBSCRIPTIONS & MEMBERSHIPS Post Date : XX/XX/2018 Transaction Date : XX/XX/2018 City/St : XXXX, CA Zip : XXXX Country Code : US Category : Subscriptions & Memberships Transaction Code : 05 Reason Code : 00 Transaction Type : Purchase Original Amount : {$21.00} Original Currency : USD XXXX XXXX XXXX XXXX Description :  Continuity/Subscription Merchants Merchant ID : XXXX Originating Account # : -

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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: GA

Complaint narrative:
Received a voice mail on my phone number that has not been used in 3 years saying that she was XXXX XXXX from financial group with FINEX GROUP collecting a " Debt ''????? Call her at XXXX XXXX XXXX XXXX I did not return this call because I OWE NO ONE. I have NO CREDIT CARDS< I HAVE NO CAR PAYMENTS< I HAVE NO MORTGAGE, I HAVE NO DEBTS!!! These low-lives are all over the Internet with similar complaints. Put them in jail, out of business, deport, fined, whatever it takes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re ; XXXX. When I tried to opt out of receiving ads by properly filling out the online form, I was not allowed to proceed. The information was correct. I did this multiple times, to no avail. Very frustrating!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I was recently send a notice of collection, that even if owed has long surpassed the six year legal timeline where is could be collected in the Commonwealth of Massachusetts. The collection agency, Associated Credit Services , Inc. had to pick up my personal information from a debt pool of file. This process of farming out openly a persons personal information with a threat of taking either legal action or an action to ruin a person 's credit report is highly illegal, and against the Fair Debt Collection Practices Act. I demand a permanent deletion of my information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA

Complaint narrative:
I am continually being called, harassed, and threatened by XXXX XXXX   representing Ace Cash Express over an alleged debt that involves my son XXXX XXXX. Every morning and evening I am being called and threatened to be served Civil litigation papers on his behalf of Ace Cash Express, from the following numbers XXXX, XXXX XXXX XXXX XXXX. 
My family members XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX As you are quite aware this action is in direct violation of FDCP 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Account # XXXX XXXX XXXX XXXX opened in XX/XX/2009 appears in my XXXX credit report as a derogatory info as being charged off for {$3300.00}. Shown as an authorized user.

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 non-monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
I am widow. According to Minnesota Law title of the primary residence has been transferred to me as a surviving joint tenant. Lender advised that I qualified for a loan modification and offered me to go through the loan modification and assumprion processes to assume the loan. I have submitted all requested documents to the Lender. The reception of all received documentation has been review and confirmed by Relationship Manager. According to the Relationship Manager assigned to the file my income has been approved and I was advised on proposed modified monthly mortgage payment amount. Suddenly, Lender ignored the Interior Appraisal done by certified appraiser hired by the same Lender itself and instead making decision in 30-45 days period, Lender is keep asking for the same information multiple times and ignoring the fact that all documents have been submitted and made the appraisal expired. In addition to that the Relationship Manager on the file was very confused with all what is happening and keep appologizing but he was removed from the file. I still have a hope that all of the above is the accidental issue due to the Bayview Loan Servicing internal reorganization process and not staged circumstances to victimize me as widow and foreclose on my primary residence. I just received the pre foreclosure notification from the Lender for my home. I am asking to help me work with my Lender, Bayview Loan Servicing, to complete the loan modification and assumption processes and avoid a foreclosure. I doesn't feel right and still hard to believe when Lender might use the circumstances like " loosing my husband ', which is hard enough by itself, and making the process so stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRSTBANK
State: CO

Complaint narrative:
I opened a checking and savings account with First Bank on XX/XX/XXXX in order to take advantage of the XXXX $ promotion they had. They told me that I would see the credit aplied with in 60 days of opening the account ; however, the credit was not aplied. I check my bank account two to three times a week to make sure that everything is running smoothly but have not seen the credit applied once. Today I decided to call and check when I would be seeing the credit but was told that it was posted on XX/XX/XXXX. See it in the bank statement but i know for a fact that it was not made available to me as Ive been constantly checking my account and it has not reflected the deposit. Now that I want to go back to the deposits and withdrawals that Ive made online and in the app it says that the details for XX/XX/XXXX-XX/XX/XXXX are no longer available and the statements are the only place to see the deposit?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased 1 {$200.00} XXXX gift card ( Card # XXXX ) on XX/XX/16. When I tried to use it for the first time earlier this year, it only had {$2.00} credit left. I had the physical card with me the whole time. It appeared that this card had been fraudulently used. I filed a dispute with U.S. Bank but they only agreed to credit me {$52.00} for 3 charge transactions that were made. They claimed that their system does not keep the records of the other transactions so I am not able to dispute them. As a result, I am out for {$140.00} due to the vulnerability ( to hacking ) and the deficiency of their system.

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 non-monetary relief
Consumer complaint received 2018-10-07 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Im filing a complaint re : Synchrony Bank debt collection actions on 2 accounts ( mattress & carpet ). I informed them on XX/XX/XXXX that I had a family emergency & would catch up missed XX/XX/XXXX. payments in XX/XX/XXXX.,  including any late fee. Since then, the co. has contacted me several times a day, 7 days a week, on both my home & mobile phones, even though Ive asked them to stop. I went online today after I received another call, & was required to update my phone numbers, even though theyve called me on both since XX/XX/XXXX. I can send copies of communications. Thanks for your 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 non-monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
I've made numerous phone calls to internal collection department of XXXX XXXX XXXX XXXX to confirm no debt with them and to complain about their third party collection robot-calls. Somehow my debt, even though already paid off, was passed over to their external debt collector ( Continental Credit Control ). At each of my complaining calls to XXXX XXXX collection department, I was assured that there is no outstanding balances for me to pay, therefore they'd contact Continental to stop them from calling me once and for all. Yet, as of XX/XX/XXXX I've been getting Continental 's robot-calls for 5 months or so. 
Also, I attempted to get connected directly with Continental 's representative who's supposed to be in charge of my account many times but failed. And, at another time I was told by a different Continental representative that she'd let the one in charge know about my account status. I'm really frustrated being  tossed around between these two business practices and can't wait to get my peace of mind back from their pesky robot-calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I XXXX XXXX am not disputing that I once had a credit card with XXXX XXXX Bank. What I am requesting is a copy of the actual transfer of ownership from XXXX XXXX Bank to XXXX XXXX XXXX. Since XXXX has posted that they have purchased the debt, under Fair Debt Collection Practices Act I am well within my rights to be given 100 % validation that the debt was purchased. XXXX did not have a right to even post this collection on any of the pertinent credit bureaus without such a validation finalized. Accordingly, the collection must be removed until the debt transfer is completely validated. I am open to a settlement letter to be emailed to me at XXXX if possible, but I would still like to see a copy of the actual transfer.

Company response to consumer: Closed with explanation