vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: USCB Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX, USCB Corporation placed an item on my credit report on the behalf of XXXX College. After multiple disputes, On XX/XX/XXXX, XXXX deleted the debt from USCB Corporation from my credit report, due fraudulence and USCB Corporations failure to verify the debt. On XX/XX/XXXX, I received a letter and yet another itemized invoice that does not included my signature or an original contract from USCB Corporation that states that on XX/XX/XXXX, they will place the item back on my credit report. Despite already being founded as a fraudulent charge, USCB Corporation continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.

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 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: CO

Complaint narrative:
I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe XXXX money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company DIRECT RECOVERY SERVICES anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
In XXXX, BOA deducted more from my mortgage payment and stated that I was late with my lease payments. I called BOA at that time and was informed that XXXX XXXX XXXX notified them that I was late. I contacted XXXX XXXX XXXX and they said that they did not notify BOA. Later, the problem was solved in my favor and I continued to pay my lease payments from my own checking account. BOA lied and this is harassment, this is defamatory. This year the same thing happened. I was given the round when I called BOA and again they lied and said that XXXX XXXX XXXX notified them that I was late with my lease payments. I got a letter, signed today from XXXX XXXX XXXX saying that they did not do this. And, that I was not late with my lease payments. It was agreed that I will make my lease payments by checks as of this date. On XXXX XXXX, BOA made my lease payment to XXXX XXXX XXXX without my approval. I later sent BOA this payment amount, but was told on XXXX XXXX, XXXX that this lease payment of {$760.00} was applied to my principal, but will be changed to my lease payment. I was given the run-around again, and again. BOA said that they will be making my lease payments without my approval. Again, on XXXX XXXX, XXXX I called Customer Service in the afternoon because my mortgage payment did not clear my bank. I was told to hold off, past 5 days and if they receive my check they will correct the problem. Sorry, BOA lied before and I do not have faith with them. No, I do not trust them to make my lease payments. I was reading that BOA is famous about this kind of stuff, they give people a hard time, give them the run-around. They know what they are doing is wrong, but they are going to do it anyway. I have made my lease payments on time and I would like to continue to do so. It is wrong for BOA to do this to me! Lie, Lie, Lie!

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 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe HSN money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company XXXX XXXX XXXX anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Program Highlights Building on the concept of simple, here are some of the highlights of XXXX XXXX  XXXX XXXX. The program : Consolidates three modification programs into a single solution.
Removes the requirement for borrowers with mortgage loans 90 or more days delinquent to submit a complete borrower response package ( BRP ) to be evaluated for a XXXX XXXX XXXX XXXX. Adjusts the forbearance limits to provide greater payment relief to eligible borrowers, targeting a 20 percent payment reduction. Get Ready While formally announced on XXXX XXXX, the program has a mandatory implementation date of XXXX XXXX, XXXX for all servicers and will be implemented in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, XXXX. Our goal is to facilitate a smooth transition for servicers to minimize disruptions to the borrowers in need of assistance with their mortgage loans, says XXXX. More information on XXXX XXXX XXXX XXXX is available I just copy this information from the loan modification from XXXX XXXX Website. I apply for a Loan Modification with Ditech and today received a letter that the modification was denied base on 3 aspects 1 ) My hardship was not temporary / Thats the main reason I had problems making payments from {$4100.00} to {$5300.00} a month 2 ) Bad Credit 3 ) Mortgage payments default over 6 months They Knew this 2 years ago when I start having problems XXXX XXXX VS Ditech financial LLC Also they claim the value of the property exceed XXXX when I send at least 2 formal appraiser where the price does not exceed {$750.00} if the problems and repairs are done to the House 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 2017-08-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There was a debt placed on my credit report via XXXX XXXX of XXXX in the amount of $ XXXXThe debt was paid nearly two years ago, with a promise of the account being removed from my credit report and due to the fact that The debt was paid prior to being reported onto my credit report. Despite the debt being paid and disputing with Experian numerous times, the negative remark still remains on my credit report, which has caused great financial hardship.

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 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with TransUnion, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

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 2017-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I went to pay my mortgage thru XXXX XXXX like i usually do and was told that XXXX XXXX could not accept my payment and that i needed to call my mortgage company to find out why.So i call NationStar and they told me my mortgage was raised because my city taxes went up.I informed them that i had not received anything saying my monthly mortgage payment had went up and that my taxes had not went up. But was told i had to pay almost 300.00 more than my usual payment. I then asked if i could pay the {$1000.00} right then and get the rest and pay that later and was told i could make my full {$1400.00} payment on line if i got it before midnight.but when i tried to make it online I wasnt allowed and the next morning when i called they told me it was a new month which put me 3 payments behind and i had to pay 3 payments to catch up or id go into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: EQUIFAX, INC.
State: WA

Complaint narrative:
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: NJ

Complaint narrative:
I have a skylight pay card and they have told me I can either write a check or use the card at specified Banks or ATMs listed in there guide to obtain cash. However I have tried writing a check and taken it to Banks listed to cash the check but the banks refused to cash the check. Also I have gone the recomended ATMs to get money but instead I have been charged {$4.00} as a fee. Neither of these options am I able to get cash. Instead I have to go XXXX and buy something in order to obtain cash. I have been forced to buy useless things at XXXX which I do n't need. A copy of their guideline and transactions will be attached showing how difficult to get the money and also fees charged.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX  posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.

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 2017-08-18 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: EQUIFAX, INC.
State: WA

Complaint narrative:
An account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$250.00} began reporting on my credit report on XXXX XXXX, 2012. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature. The account has been removed from my other credit reports due to lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reached out to experian on two occasions about a fraudulent account listed as XXXX XXXX XXXX XXXX XXXX on my credit report. Experian claims to have investigated the complaint and in the end the issue has yet to be reosolved. I reached out to XXXX ( the originator of the debt ) and they have no such account listed in my name. The account has since been removed from transunion and XXXX but Experian refuses to remove the fraudulent account. I believe that experian has no validation of the account and never did a thorough investigation.

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 2017-08-18 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: WA

Complaint narrative:
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$570.00} was deleted from my credit report in XX/XX/XXXX due to lack of validation. However, the account was added back to my credit report on XXXX XXXX, 2017. Despite constantly disputing this debt with Experian, the debt still remains on my account. Per the Fair Credit Reporting Act, I was not alerted within five days ( or at all ) that the debt would be added to my credit report and I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
Upon checking my Credit Report with XXXX, I discovered that The CBE Group Inc-Former erroneously identified me as owing money to a retailer that I have not used in Texas. I have never lived in Texas or at XXXX XXXX XXXX XXXX, XXXX, TX XXXX (found on my Credit Report) nor have I ever bought anything from the company you indicated, XXXX XXXX XXXX  XXXX. I mailed a letter dated XX/XX/XXXX stating I was responsible fur the debt and for substantiating documentation. CBE Group responded to me by mail dated XX/XX/XXXX and identified the debt in regard to an account established with Spectrum formerly XXXX XXXX XXXX  by enclosing account statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as substantiating evidence of my responsibility for the debt.

I do not have any responsibility for the debt CBE Group is trying to collect. I have never lived in Texas, had a phone number or any services provided by XXXX XXXX XXXX as shown on the statements provided .

These documents that make you believe that I am the individual owing this debt, in fact only show that my very common name is the same and nothing more that links me to this debt.
Information shown on credit report:
 (XXXX) XXXX Placed for Collection: XX/XX/XXXX Responsibility: 
Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX 
Original Creditor: XXXX XXXX XXXX XXXX (Retail) Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XX/XX/XXXX, I responded, via fax, to Chex system letter dated XX/XX/XXXX in which they stated that a creditor, XXXX XXXX XXXX XXXX, had originally been deleted from my consumer report due to length of time that had passed since my original dispute but was placed back on my report due the fact that XXXX had since certified the information to accurate.
In the faxed letter, datedXX/XX/XXXX, I specially exercised FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency, Chex system, that warranted the reinsertion of this account to be legal.
In response, Chex system, denied my right by sending me the same information they originally sent on XX/XX/XXXX. They are REFUSING to furnish the legally required documents that they have or should have in their possession, which warrants this reinsertion to be legal.
In their response, they stated if I wanted to dispute things further, I needed to contact XXXX however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable.
As of XX/XX/XXXX, Chexsystem is refusing to show proof of validation or to delete the XXXX account, as it doesnt belong to me. According to FRCA section 611, consumer agencies have 15 days to furnish their files, the original letter datedXX/XX/XXXX was the beginning of the 15 days request, if such information is not furnished or account deleted by XX/XX/XXXX, I will be forced to pursue legal action.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
I do not have a contract with Ability Recovery Services. I am not liable for the collection of this debt from XXXX College. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
THIS DISPUTE IS FOR FOUR XXXX ACCOUNTS. all of which have the same account number 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