vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
My account : ONLINE COLLECTIONS #  XXXX  was paid in full at  XXXX   XXXX  and is not a valid collections account, you will find the receipt of payment attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I have continued to request a copy of any documentation bearing my signature, showing I have a legally binding contractual obligation to pay the alleged account. I continue to get a printout of a blank statement with my name and address on it. No contract bearing my signature proving I have a contract therefore I want this account removed from all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.

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 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
While at   XXXX   XXXX   XXXX   a student loan I had received from  Wells Fargo went into rep ayment. This would have been in  XXXX , I found out about this in   XXXX   when access to cellphones was authorized. As a result, negative reporting was made to the credit bureaus. Because my  credit score is so young, this reporting dropped my credit score o ver  XXXX  points. It should be noted that immediately upon return home, a payment was made in excess to what was required.   There 's  XXXX  areas of question : I was under military orders during the time of repayment and had no prior indication this loan would go into repayment during that period.    XXXX , the loan should not have gone into repayment during that period. I graduated   XXXX   XXXX   XXXX     with a  XXXX  year  XXXX . in Physics. According to the loan request/credit agreement I signed with  Wells Fargo, the repayment period starts immediately after the interim period which is defined by : " a ) 6 months after I cease to be enrolled at school, unless I re-enroll in another school eligible under Title IV of the Higher Education Act or another eligible school approved by you within that 6 month period ; or b ) 4 years   after the date of my first disbursement if I am enrolled in a two-year program of study ; or c ) 7 years after the date of my first disbursement if I am enrolled in a four-year program of study. '' According to this article, my loan should   have never have been in repayment, because I would have 6 months of interim from my graduation date. All of my federal student loans followed this.
Wells Fargo states the because the type of loan I received is for " career and community coll  eges '', this puts the repayment status as on for a  XXXX  year program. However, this is not what the agreement I signed says.   In summary, I received negative reporting on my credit report from a private student loan with  Wells Fargo, while on   XXXX   XXXX  , during a repayment period which should have been an interim period as stated by the loan agreement. I feel that Wells Fargo is practicing unfair lending, and doing anything to protect themselves from having acted wrongfully.I have no problems repaying the loan, the only action I wish to accomplish is the negative reporting taken off my credit report. I 'm not able to effectively manage my finances before my next report date due to this significant drop in my credit score. I am able to provided as much documentation as needed to support my case.

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 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KELLER,GRIMALDI AND ASSOCIATES
State: TN

Complaint narrative:
Started receiving calls yesterday from  XXXX . The person calling said his name was  XXXX   XXXX  and was with the litigation department at  XXXX   XXXX   (   XXXX  ) and  XXXX . Said a claim was filed against me in  XXXX   XXXX  and that I could call back to make retribution out of court. He called again today and provided the birthdate of   XXXX   XXXX   XXXX   which is not my birthdate. He said that I was the sole defendant and today was the final notice. It  may  be a scam or they have the wrong person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX   XXXX  out of North Carolina is trying to collect on a debt that they state was charged off by  HSBC Card Services Inc    XXXX   XXXX     I moved from  XXXX  to  XXXX    XXXX   XXXX  . They have no legal right to threaten me with a law suit based on   XXXX   XXXX   six year Statute of limitation regardless of the type of debt. And  XXXX  has a statute of  four  years for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from 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 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC
State: OH

Complaint narrative:
AT  TN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely
manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : American Coradius International    XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
They have harassed me for MONTHS. They threaten me and tell me I can go to jail. I have told them they have the wrong person. I wrote them a letter stating I am not this person and to stop harassing me. They continue. I block their phone numbers and they call on a differ ent one. I jus t contacted them. I spoke with "  XXXX  '' who refused to tell me her last name, or her title, or her supervisor and said that " I better pay ''. This is beyond absurd. In this letter it states that the original creditar is "  XXXX  ''. I have NEVER had an account with  XXXX . Never. They also have the name as "  XXXX   XXXX  '' My birth name is  XXXX   XXXX   XXXX  and it has never changed in my   XXXX   years. No matter what I do, they continue to harass me. The name of the  Collection Agency according to the one piece of mail that was sent to me is SOURCE RM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I Switch from   XXXX   XXXX   XXXX   to  XXXX  in   XXXX  . I called   XXXX   XXXX   XXXX   and spoke to a agent. paid my last bill. I never changed my phone # of   XXXX   XXXX   XXXX   transferred it over to  XXXX . No bills no phone calls until  XXXX  from  XXXX   XXXX   XXXX  DIVERSIFIED CONSULTANTS  INC ).  stating I owe {$68.00}, I asked why did n't you call me prior to this she said they only had my old number  XXXX , so I said then how are you calling me now, when the my current phone number was given to me by  XXXX   XXXX   XXXX  Paid the {$68.00} and said this was unfair that I had no warning. It is now showing on my   XXXX    Even though I paid for this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Please be advised that the options above do not describe the issue at hand. We are trying to clear title for property at  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX   XXXX   XXXX   XXXX  holds a lien on the property that we would like to negotiate a settlement for and obtain a release of lien. We have written to their attorney, Overton , Russell , Doerr and Donovan , LLP and the letter was sent on   XXXX  . They have not responded. Today I called their office to confirm that they have received the letter. The receptionist was being very difficult and would not give me any information. She kept stating that they could not give me any information on the account. I acknowledged that I understood that and wanted to speak to an attorney there to discuss. She would not pass me through to anyone, would not give me a fax number to resend my letter, and kept stating she would not help since I did not have the debtor 's authorization. I again acknowledged that we were not asking for any privacy or debtor info, and that debtor no longer owns the property and I have authorization by the new owner. She did not care and kept telling me they would not give me any information. She would not listen to what I was saying and would not pass me on to anyone else in the office to discuss the matter with. I am uploading our original request that described the issue in detail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Last month  (   XXXX   XXXX   ), I  had an outstanding balance of {$23.00} on m y GAP Visa c redit card. I did not make any new purchases on the card that month. I was charged a late fee of {$23.00}. Interestingly, this is the exact amount of the amount owed on the card!! Is this even legal?? Plus I was charged a minimum monthly interest fee of {$1.00}, so the total fees for the month were {$24.00} which exceeded the outstanding balance on my card. I do n't understand how I can be charged fees that are higher than the amount owed on the card. Please help!

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 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AUDIT SYSTEMS,INC
State: NC

Complaint narrative:
AUDIT SYSTEMS INC   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX  posted to a credit reporting agency without prior notice of right to dispute or pay. In fact The only way I found out there was a possible collection account open was when I received notice from my credit monitoring service of negative posting to my record. This to ok a credit score fr om over  XXXX  to under  XXXX  irreparably damaging my ability to refinance my home. Additionally the telephone number is not functional 50 % of the time therefor they are providing inaccurate contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
I suddenly see an account in collections on my credit report which has not appeared as an open account for a minimum of 5 years of checking my report. Also, I have not been contacted by the originator or the collection agency regarding this debt - it simply appeared on my report out of nowhere. This account only appears on   XXXX   - it is not listed on  XXXX  or  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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems
State: NC

Complaint narrative:
Financial Data System i s reporting that I have a {$450.00} collection with   XXXX   XXXX   on my credit report. This account does not belong to me. I have even spoken with their representatives about this error, and even their reps agree with me. They have promised me that they would remove this error from my credit report for months, but its still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I am getting repeated calls from a company call ed CMRE Financial ser vices saying they are trying to collect on a debt which does n't exist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Midwest Recovery System  are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on   XXXX   XXXX   XXXX    . She was n't able to give me much detail about the account. All she knew that it was from   XXXX   XXXX  . I had never heard of   XXXX   XXXX  . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL

Complaint narrative:
XXXX   XXXX   - Ban k of NY Mellon i s the financial institution that managed my  HSA  account while I was employed with my employer. I resigned from my employer  XXXX   XXXX  and still had a balance of {$46.00}. However, in  XXXX   XXXX  I noticed that   XXXX   XXXX   had deducted a " maintenance fee '' of {$3.00} in  XXXX ,  XXXX  and   XXXX   XXXX   XXXX   without my authorization and the company did not notify me. I called   XXXX   XXXX   to complain to the company, only to be given the runaround by two agents. The first agent I spoke with on  X/X/XXXX  intentionally hung up on me when I kept asking questions about why they were taking out fees. I immediately called back   XXXX   and wasted another 35 minutes with another agent. I disputed the " maintenance fees '' and requested a refund of {$10.00}. Ten business days later, on  XXXX / XXXX / XXXX  I called again and was told my request was denied by operations. They claimed there was a minimum {$1000.00} balance and my employer used to pay the maintenance fees. They claimed this fee schedule was sent to me via mail in my Welcome Kit? Although, they have no proof that I was sent this information.     I requested the operations denial decision in WRITING and they refused to provide me with this decision in writing. I asked  three  times, and then I asked to speak with a supervisor, and the  XXXX   XXXX  agent intentionally hung up on me. I called back and spoke with a customer service rep "  XXXX  '' and I asked to speak with the supervisor again. After 21 minutes on hold, I was finally transferred to supervisor "  XXXX . '' I asked again for something in writing via secure online message or hard copy letter regarding the reason for denial of my maintenance fees to be reversed, and she refused. She stated " wet just do n't send letters. We are n't required. '' I also supposedly had a {$.00} " overdrawn '' balance even though it was 0 balance when I spoke with  XXXX   XXXX  on   XXXX   XXXX   XXXX  . After much back and forth with  XXXX , she continued to refuse to provide me in writing why they denied my refund request of {$10.00} which is my PRE-TAX health savings money. I feel this is a shady operation that needs to be investigated for their dishonest practices, and I want my money back. I told her to close the account because otherwise  XXXX   XXXX  would continue to deduct the " maintenance fees '' from my account even though it had zero balance, and I am not going to continue contributing to the  HSA  account. I am not satisfied with the way my calls and account were handled, and I would like someone to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
First Financial Mgmt is  attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I received an initial notice from  MCA Superior Collections  dated   XXXX     advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated   XXXX   ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!

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