vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I spoke to this debt collector several times, each time I disagreed on the amount and requested for detailed invoice including payments made to the account. I never received the detailed invoice. I also spoke to the Creditor twice and requested for details but they asked me to contact Synerprise. 

On XX/XX/2020 ( letter dated XX/XX/XXXX ), I received a bill from Synerprise to pay the past due amount. On XX/XX/XXXX, I received a phone call from a Synerprise representative. Again, I told him that the amount was not correct and requested him to provide me detailed bill including payments on it. The representative was very rude and kept telling me to pay the incorrect amount. At that point, I told him that I will report him to an agency in Texas. THE NEXT THING I RECEIVED A NOTICE FROM CREDIT REPORTING AGENCY THAT SYNERPRISE HAS REPORTED THE COLLECTION AND MY CREDIT SCORE DROPPED BY 90 POINT. My student loan was denied due to having a collection in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.

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 2020-06-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.

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 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by XXXX XXXX XXXX, XXXX. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Investigation took more than 30 days
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
Sent a debt validation letter no response back its been nearly 90 days I do not recall this account and the original creditor listed on my credit file is not in business so how are they validating this account it is reporting on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX, Portfolio Recovery Associates has harassed me in an attempt to collect debts they claim that I owe me by use of robo or autodialers. Between XX/XX/XXXX and XX/XX/XXXX they called me, often less than a minute apart over 60 times. On XX/XX/XXXX alone they called me over 30 times in less than 10 minutes and an additional 36 times through XX/XX/XXXX. This is not only unacceptable, it is a violation of the Rosenthal Fair Debt Collection Practices Act as well as the TCPA. 

Additionally, this DEBT COLLECTION AGENCY or junk debt buyer falsely lists themselves as a Factoring Company with an open loan account through them. This is also a violation of the Rosenthal Fair  Debt Collection Practices Act as well as the FCRA and FDCPA. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receiveables, not debt, and the bulk of the accounts are commercial, not consumer PRA is not an innocent purchaser nor are they holders. They are a collection agency and junk debt buyer. 

PRAs violations as they relate to my complaint : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX are not innocent purchasers and not holders. 

1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
When I bought my house 15years ago, I had an 80/20 loan. I thought they were both 30year fixed. The 20 % on ( now with PHH mortgage ) even said on the website. 9.875 % Rate / Conventional / 30 Years Term is what says online but that is not the case. 
Everything I do is online with them and I lost some of my original loan documents when my water heater flooded my house about 10 years ago. 

So I tried working with the mortgage company ( PHH ) to get an extension or refinance and was turned down. The loan modification dept. was no help and when I was working with a refinance person he said they wouldnt refinance this low of an amount.then we tried to combine both of my mortgages ( the balance on the 80 % one is XXXX ) for a total of XXXX and he said that was too low for what you need to qualify for with all of the fees and charges in Texas. He then said he would try to add {$20000.00} to it to take out in cash to raise the amount and called back and said that wouldnt work either. 

I need to save my house and feel this company has be deceptive as it states very clearly online it is a 30 yr term conventional loan Can you help? 



Thanks, XXXX XXXX XXXX XXXX XXXX Customer Experience Product Owner Res Agent Channels - Support XXXX Office XXXX XXXX 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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal has been the company that services my mortgages. ( Now it is only one ) I suffered a XXXX XXXX XXXX that rendered me XXXX XXXX and required assistance to be able to make payments on my mortgage and credit cards. The credit card was settled after two months of being late for a lump sum as I explained and was willing to provide my medical history. The decision was to work out a lump sum settlement for the credit card that I had for many years. The creditor advised me that for the payment that I made it would be seen as a good gesture as they had all my financial information and knew of my hardship. The company said I would be able to open a secured card after 12 months and keeping up to date on my mortgage that the company did perform a restructuring of the loan. At the end of XXXX I spoke to a representative about getting a secured credit card and made a deposit of {$5000.00} so that I could re-establish a relationship with the bank. They advised me that a secured credit card would be approved based on the fact that it was with my own money that would provide the credit and there was no risk to the company. I had one month where I needed to delay the payment of the mortgage due to COVID and they told me that it would not negatively impact me. I have paid them back and now up to date as I only did it as my income was delayed and impacted due to the pandemic. Navy Federal misrepresented the fact that the card would be established by using that I had a previous negotiated settlement with them. This was contrary to what was explained as they advised me that Navy Federal provides their members a second chance. This was a frustrating call as they did find the notes that stated that I made a call before I made a {$5000.00} deposit for the secured credit card. My goal is to establish a card and relationship with Navy Federal for  the chance of having a mortgage with them if I were to move the future. I feel that the actions that they took were not only unethical but contrary to their promise to me. 
The company is unethical in their behavior and want them to follow through with their promise along with the truth about me to have a potential for a mortgage. ( I do not want to be told something that is not only wrong but against a policy that they have for any of the programs they offer )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is not adhering to the laws, I have asked twice for a copy of a signed contract for a charge off account XXXX they told he to contact XXXX when I did all I received was a 20 page credit card summary, this is just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: CA

Complaint narrative:
Since XXXX of XXXX I have been contacted multiple times via telephone by a debt collecting agency, Americollect. They have been contacting me about an outstanding radiology bill in the amount of {$1800.00} from XXXX XXXX. That bill was generated from a hospital stay at XXXX XXXX XXXX XXXX in the state of Florida from XX/XX/XXXX-XX/XX/XXXX.The information Americollect had was my first name, maiden name, and my date of birth. My maiden name has not been my legal name in 12 years nor have I used my maiden name in the past 12 years.The address they have on file for me is not my address nor will you find any record of me residing at or near that address. I have never traveled to the state of Florida or have ever been hospitalized and needing radiology services. I have told several Americollect customer service reps including a supervisor that they have the wrong person and this is not my debt. They kept wanting me to give them my social security number to look into the matter further and I declined. I have not heard from Americollect in almost 1 year so I thought that this matter was taken care of and they moved on with their hunt.. On XX/XX/XXXX when I was doing financial business I was made aware that Americollect had entered 7 counts of unpaid debt to my credit report. Americollect has no proof that this debt is mine and did not have the right to make negative marks on my clean credit report.This has caused defamation to my name and a financial hardship. I have a police report and several personal documents confirming I was not in Florida or hurt in a hospital getting radiology services on the dates listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: TX

Complaint narrative:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Client Services Incorporated. 

This Company is harassing me for a debt that they claim that I owe to XXXX ( XXXX ) at XXXX. 

This company has consistently called my cell phone several times a day, they have been harassing me without even prior verification of the debt that they are claiming that I owe. 

The enclosed collection letter, I just received from them on XX/XX/2020, and I want to make it clear to them that I do not owe XXXX any amount of {$410.00}. 

I did not run up any balance of {$410.00} to the above named creditor, and I want this collection agency to cease and desist from contacting, and harassing me, or I will contact an attorney. 

I want Client Services Incorporated to remove any, and all collection information that they have placed onto my credit files, as well as their company files. 

Any communication from this company is to go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed any, and all derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state, as well as I would like for them to provide their license numbers, and Registered Agent documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: NV

Complaint narrative:
XX/XX/2020 - I purchased an item from XXXX XX/XX/2020 - I returned an item to XXXX XX/XX/2020 - Item arrived at XXXX XX/XX/2020 - Contacted XXXX regarding a refund and why I haven't gotten a response yet. 
XX/XX/2020 - Contacted XXXX again sending additional proof that I sent my item in along with a signed affidavit that XXXX made me sign. 
XX/XX/2020 - Attempted a charge back with Bank of America because XXXX refuses to refund me despite item arriving. 
XX/XX/2020 - XXXX contacts me asking why I started a charge back, XXXX later tells me to not worry and let the charge back to go through. 
XX/XX/2020 - Bank of America closes claim and re bills my credit card.

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 monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tesla, Inc.
State: CA

Complaint narrative:
We had to take Solar City/ Tesla to Small Claims Court in XXXX County , Ca on XX/XX/19, as their Solar System wasn't producing the power per the original contract. We won the case and XXXX County Superior Court Department XXXX, cancelled the contract with Tesla/Solar City. Judge asked Tesla to pay us {$4100.00} in Damages or remove the panels/fix the roof. Tesla chose to pay us {$4100.00}. We thought everything was over. Tesla continues to harrrass us by not removing the fixture lien from our title and they added another fixture lien in XXXX. Tesla is retaliating aganist our family for us taking them to Court. We can't even refinance our house at this time due to these fixture liens. Very unfair and unethical..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Blocks members from Reporting ID Theft CONSUMERS HELD LIABLE FOR FRAUD. 100 % liability remains on consumers accounts. USAA policy requires verification to reach IDTheft Department or any department requiring a profile recovery. Consumers are block from protecting themseves against ID Theft. I TRIED ON LINE USAA IS NOT ADA COMPLIANT FOR MY XXXX  XXXX & AFTER VERIFYING ME FOR 37 YEARS ( ** SUDDENLY I AM UNABLE TO GET VERIFIED when phoning ) see ID Theft case XXXX dated XX/XX/XXXX Reported to FTC & UNABLE TO RESOLVE ID THEFT ON LINE OR BY PHONE to usaa. ( This is usaa 's 100 Liability Policy to protect usaa making it UNAVAILABLE TO CONSUMERS. ) I am held accountable for an account usaa created id theft USAA DID NOT CLOSE ACCOUNTMC END XXXX XX/XX/XXXX 1099-C CANCELATION OF DEBT & USED MY PRIVATE DATA from this account TO OPEN TWO FRAUDULENT ACCOUNTS MC END XXXX & VISA END XXXX ( 2 ) ACCOUNTS OPENED SAME DATE XX/XX/XXXX ** I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY MORE ACCOUNTS AFTER XXXX. NOW USAA WILL NOT ALLOW ME TO REACH ID THEFT DEPARTMENT FOR RESOLVE. usaa REVERSED {$3000.00} CREDITS THAT WERE MERCHANTS CREDITS XX/XX/XXXX USAA HAS PROVIDED NO PERMANET FRAUD CREDITS FROM XX/XX/XXXX FRAUD ( * NO ORIGINAL SIGNATURE OF APPLICATION & DRS LICENSE USED TO OPEN ACCOUNT IN VIOLATION OF FEDERAL LAW ) They ask me for to verify ** my drs license for ACCOUNT NOT MINE I DID NOT OPEN. I HAVE ASKED FOR YEARS USAA PROVIDE ME WITH DRS LICENSE THAT OPENED THESE ACCOUNTS TO NO AVAIL. USAA ASKS FOR MINE. Kindly Note usaa making restitution to XXXX, XXXX other members & fined XXXX XXXX DOES NOT STOP usaa from frauding consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has kept reporting inaccurate information on my credit report. I have informed equifax that the collection account reported to equifax by XXXX XXXX XXXX XXXX and XXXX XXXX company dont belong to me. Equifax has kept saying that they investigated the accounts and that these accounts belong to me which is not true. The information equifax is reporting on my report is inaccurate. The FCRA requires credit reporting agencies to report accurate information and to update reports within 30 days. Equifax has failed to follow this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CIG FINANCIAL LLC
State: CO

Complaint narrative:
Filed a dispute against the negitive mark on my credit report by CIG Financial. After the investigation, CIG raised my balance owed by {$1.00}, thus lowering my credit score by roughly 85 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation