vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
OnXX/XX/XXXX and on XX/XX/XXXX I have personally mailed in 2 certified letter to XXXXXXXX XXXX.original creditor XXXX. The debt they have claimed I owe is $ XXXX.I have never signed any contract with XXXX. In my two letters to XXXX XXXX, I have requested that they validate the information and provide me with copies of any documentation associated with this account bearing my SIGNATURE! Which XXXX XXXX   have not provided. I have requested that they remove the negative information off my account, which they have not done. XXXX XXXX has sent me a letter validating that I owe the debt, but the documents still does not have my signature, which I originally requested for.

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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ].  You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX Account # L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXXXXXX XXXX   Account # L XXXX account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2018-06-04 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
I recently realized that a collections agency is reporting a debt on my credit report. 

The collections agency is called " EOS CCA '' and the " original debtor '' is XXXX. The collection was reported on XX/XX/XXXX in the amount of {$670.00}. 

I have been trying to get information from XXXX and in speaking with them, I was told that this debt was included in my prior bankruptcy. ( The acct number XXXX 's bankruptcy dept gave me is XXXX however I was later told by another XXXX rep in their credit reporting department, that this is not a valid account number ). 

I have already disputed the debt with XXXX  which resulted in a verified debt. 

XXXX however says that they have " escalated '' this issue but I have yet to hear back from them and it has been 3 weeks since I first initiated contact w/XXXX. I have left messages each week to have the supervisor call me back that I first spoke with at XXXX. She told me 3 weeks ago that she would get back me but she did not. I called her again onXX/XX/XXXXand left a message ( did not hear back ) and I called her again today ( XX/XX/XXXX ) and left another message. 

If I truly owe this debt, then I need to get it paid and off of my credit report however if I do not, then I need it removed from my credit report. However I have no statement from the collections agency nor a bill from XXXX and XXXX does not even seem to be able help me and they are the source of the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I asked for verification of medical debts WITH my signature or some proof that the debt is owed by me with a signature of mine showing I created the debt, XXXX, Experian and XXXX all failed to provide ANYTHING with my signature. Instead in both XX/XX/XXXX and XX/XX/XXXX they sent back correspondence stating that they verified the debt to be true and correct but failed to proved any signed proof in which they should have in their file. I sent both letter certified mail. According to the FCRA they must have in their file my signature on any documents to verify the debt is accurate and my debt and provide that within 30 days, which they failed to do. I am requesting that the debts in question be removed from my credit reports due to them not lawfully following the FCRA and providing signed documentation.The amounts in question are : {$710.00}, {$560.00}, {$330.00}, {$410.00}, {$290.00}, {$370.00}, and {$390.00} and {$10.00}, 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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Asset Recovery Solutions, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, received a call through a local Louisiana Telephone Number out of XXXX, La at XXXX from a Company Asset Recovery Solutions , LLC agent Name XXXX. Upon follow-up call this day XX/XX/XXXX, it was verified that he was calling from the State of Illinois through a local VOIP Communications Server out of Louisiana. The Company / Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a current balance of {$9500.00}, being collected through collection agency Asset Recovery Solutions , LLC. A letter was received in mail on XX/XX/XXXX from Asset Recovery Solutions , LLC Telephone Number XXXX Ext XXXX, with an offer to pay {$390.00} monthly beginning on XX/XX/XXXX on referenced account. I never received a letter set forth prior to this with regards to account from said collection agency. We don't think he owes debt and letter does not state how to proceed if we don't think debt is valid. Requested XXXX  to forward debt verification in writing, including copy of initial contract signed for credit card and any other documents on file. Stated it would take a couple of days and just trying to find a loophole for collection. Check with Attorney Genetals Office for State of Louisiana  on how to collect and validate a debt, especially a revolving credit card - open account. Can't demand a payment until proof is provided and signature authenticated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
When speaking to a representative within the company during the after purchase of the vehicle it was deemed we were sold a lemon vehicle. The vehicle after one month which was XX/XX/XXXX of owning the vehicle electrical system went out in the vehicle and the car locked anyone out from usage. Secondly once reaching out to the company they told us it was our own problem and that it wasn't covered under warranty, so we got that fixed once fixed the car transmission began going out as well as the engine in the car began giving problems. One time the car shut itself off during a drive and could not be started. This occurredXX/XX/XXXX and when reaching out to the company every time was told its not their problem or fault in fact that they will get their money regardless. On XX/XX/XXXX Was the final incident with the car when it would not start and the entire system locked itself out, we had been having issues over and over with the vehicle with warranties and the company just does not seem to help. The vehicle carried flood damage as well as it carried previous accident problems that was not informed and brought to us. The vehicle was still covered under warranty and still was not offered assistance and the finance company refused to help. When giving the car back not only did the company resale the car for over market value, we were not informed of the sale until a month later which it carried a balance they reported to the credit bureau that we were late. The remaining balance should not be due to the fact the company used the Gap insurance and sold the vehicle well over value, but still wants to collect when there is no need to. We will never do business with credit acceptance again.

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 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
Hello I have repeatedly asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. To provide proof under the Fair Debt Collections Practices Act ( FDCPA ) to provide proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding me to pay this debt. There has been no signature or any type of paperwork on what is owed. I have not got any response from the company besides a plain paper with amount owed. This is hurting my credit score and causing problems with my finances, I believe not showing proof is against the law from collection practices. Please stop reporting this account to the credit bureaus if you can not provide any proof to me.I have certified records of the letters that have been sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have not been shown for months any kind of proof this is my account. Thank you

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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received a postcard that offered XXXX XXXX miles if I signed up for a Gold American Express card. I applied and received the card XX/XX/XXXX. 

When I had not received the bonus miles by XX/XX/XXXX I called the company and was told that the offer did not apply to anyone who had previously had an American Express card ( I last had a card in XX/XX/XXXX ). 

There was nothing in the advertised offer that said kings x if you had a card three years ago. Therefore, extremely misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Every other month Navient increases my account balance by {$2100.00}, then reports the increase as paid down 30 days after the original posting to my credit profile. When I contacted Navient for explanation the rep said that nothing was being reported on there end and they could not explain why this is happen. 
I need this resolved because it lowers my credit score by 10 points and I'm in the process of buy a home and this will impact my ability to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX XXXX uniforms online for {$290.00}. I called XXXX on XXXX and spoke with Customer Service Representative XXXX at XXXX XXXX  for approximately 4 minutes. I called for assistance regarding the multiple pending charges from XXXX XXXX on my checking account ( {$210.00}, {$81.00} and {$290.00}. XXXX ). The charge for {$81.00} had been refunded and I wanted and needed access to the {$210.00}. I was told that it should fall off in a day or two, but I could email customer service my bank statement showing the pending transactions. I emailed customer at XXXX XXXX  on XX/XX/XXXX. I received a reply email from XXXX XXXX informing me that I'd have to wait 1 to 5 days depending on my bank. I spoke with a USAA bank representative via chat on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), stating that I have to wait for the transaction to post and dispute or wait for the merchant to clear it and the pending transaction falls off. It's been a week or 5 business days since my funds have been withheld from me and I'd like USAA to clear the pending transaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased an XXXX coffee machine from XXXX XXXX online at XXXX XXXX XXXX on XX/XX/XXXX. It has now been over a year, and they have not delivered the product in the timeline they originally promised. I asked for a refund on XX/XX/XXXX, after numerous broken promises to me about the shipment date. They said they would issue a refund, but they did not. 

I contacted my bank, Bank of America, who says that I can not even dispute this debit card charge with them, because it's over a year old. 

Since XXXX XXXX XXXX failed to deliver their product to me in the original promised timeline, I asked for a refund. I should get a refund in full from XXXX XXXX XXXX or Bank of America should reverse the charge to my checking account. I no longer want the product, as I do not trust this company any longer.

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 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I was sued by a company name complain was from XXXX companies- then name change to XXXX XXXX, a few years back, I did not know anything about it, until they garnished the money I had in my saving and checking account ( XX/XX/XXXX ) it seems my debt was from a few years back approximately XX/XX/XXXX-XX/XX/XXXX, since my money was taken from the bank account, I had being in communication with Nelson & Kennard at attorney at Law, I had being making payments, after a few years making monthly payments ( {$25.00} ) the amount it seems to keep going up instead going down, also they informed me the money that was taken out it was only use for the court, so I have to pay my debt, which I do not know what is for, even do I had try to speak with some one at nelson & Kennard and requested an statement about all payments to the account, original amount and why is not going down instead is going up, I get the run around, My English is not perfect, so is hard to communicate with them, until today no one has being able to help me, until I had to reach out a tv station in my area, and they gave me your information, I asked my daughter to place my complain on line, I am attaching all the information I have through the years of payment and only letter received from this company, if you have any question you can contact XXXX XXXX ( XXXX ) XXXX ( If is possible I would like a Spanish peaking representative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Agency continues to report a debt that is not mine and is being verified as my debt by XXXX/XXXX who no longer handles the debt they sold it to XXXX, but they continue to verify it as mine. I have not heard from XXXX XXXX. but the agency has not delete this item from my credit profile, they are dealing with XXXX/XXXX who no longer handles this debt but they are responding negatively.

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 2018-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/2018 at approximately XXXX I was on the phone with a representative from Freedom Mortgage. The individual asked for my information and I provided it without hesitation. The next thing I tried to do is make a payment for my V.A. home loan, well the representative refused to take my payment. I kindly asked her why, she said we can't take your payment because it's now three behind. My response to her was I always make at least one payment to bring it back to two until I can catch it up. She than became rude and said again in an off tone manner " We can't take your payment ''. I let her know I am on a fixed income because I'm a XXXX veteran. Than I asked to be transferred to a floor manager which I than talked too. He wouldn't work with me either, he kept on insisting that they couldn't do nothing for me at that given time. Both the phone representative and the manager used bullying tactics on me to force me to make three payments totaling XXXX. I expressed too them I couldn't make this payment, so he kept on using bullying tactics by saying you signed the contract and it's your obligation to pay the loan. I than let him know that the loan was included into my chapter XXXX which was closed out in XX/XX/XXXX of this year. I suffer from XXXX and XXXX   which this situation almost put me into an attack. I called back thirty minutes later and another young lady worked with me and accepted my payment. I am filing this complaint because I was bullied and harassed by the members of FREEDOM MORTGAGE! I would like for the actions of these members be brought to light. I've been receiving nothing but harassment and bullying tactics every-time I try to make at least one payment. My rights as a customer were violated under certain protective laws and I hope this issue never happens again!

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 2018-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Ask for debt to be verified, not given any documentation thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: NJ

Complaint narrative:
Tradeline : XXXX XXXX Bank Experian properly addressed my concerns and corrected this account 's historical information when completing the previous dispute process ( CFPB Complaint # XXXX ). However, in correcting the historical information, as requested, Experian changed the payment status of the account from the correct status of 'PAID, WAS A CHARGE OFF ' to " DEROGATORY / CHARGE-OFF ''. This new status is misleading as there is now no indication on my credit report that the account has been paid in full. 

Please either return the payment status to 'PAID, WAS A CHARGE OFF ' or otherwise notate the account as PAID. 

Thank you. 

Please note : I was unable to open a new dispute for this account via Experian 's online portal because it had recently been disputed ( though for a different reason ).

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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Number comes up and restricted/unknown but they leave a message demanding that an debt for insufficient fund for my sons account with Wells Fargo. Then also called my son who is on my wireless account. My son unfortunately my son did call them back, they said they where calling form a Law firm and demanded that he pay $ 1400+. We immediately went to the bank to confirm that he didn't have an account that had that was either closed or opened that he owed money for. All accounts where closed and in good standing.. They continue to call. I called back today and after giving them the account that was left on VM but refused to give them my name, they hung up on me

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