vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called and wrote multiple letters Equifax to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
This 3rd party collector deleted this information from my credit report and then reported as a new debt. Lowered my credit score on XXXX or the XXXX major credit reporting companies, and has me looking like I dont pay my debt. I am attempting to land employment, this is hurting my chances of doing so with the negative information reporting. This violates my HIPPA righta nd I have NEVER EVER given consent to be prayed upon by this company. I DO NOT OWE STATE COLLECTION SERVICE A DIME. I have sent count less validation and dispute letters, now they re-insert this on my credit. I can not believe this please help [

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against equifax due to the fact that I have contacted them via phone and letter to have some inquiries deleted off of my credit report. I received a response from the credit agency that the inquiries are factual and that they will remain on my report. The Hard inquires in question are XXXX, XXXX, Off lease only ( 2 times ), and XXXX. I am filing this complaint in order to assist in correcting this matter ( removing the unauthorized inquiries ) from my report so that it can reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.

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 2017-04-17 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC
State: CO

Complaint narrative:
Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.

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 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
JPMorgan Chase Bank , N.A . charged my checking account {$200.00} in overdraft fees ( XXXX {$34.00} fees ) during a two business day window where my account was overdrawn and funds I was wiring into the account had not cleared. These charges are excessive and unconscionable, and in two instances were several times the amount of the transaction that triggered the overdraft fee. The Chase representative, XXXX, refused to reverse the charges. 

XXXX cell : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Reference case # XXXX I dispute response from Progressive. This is the first time I have seen their documents. 

1. Dispute of the nature of amount owed : On XX/XX/XXXX, XXXX disputed the alleged debt within the 30-day period. When we received their letter of XX/XX/XXXX, she disputed both the validity and the nature of the amount owed. This is stated in the last sentence of her first paragraph ( attached letter labeled " CFPB-XXXX '' ). 
I did not receive a reply nor did I receive any documentation I asked in my letter. This is the first time we have seen their attachments ( you can see the footer date is XX/XX/XXXX ). 
2. Dispute within 30 days : Within the requisite 30 days, their claim was disputed. 
3. XXXX not a signatory : As you can see in the attached file labeled " CFPB-XXXX '' I did not sign any documents. None of these bear my signature. 

Original statement : On XX/XX/XXXX, I disputed the alleged debt within the 30-day period. When I received their letter on XX/XX/XXXX, I asked for detailed documentation in the attached letter labeled " CFPB-XXXX ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDCPA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Since XX/XX/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?

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 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient told me that I would qualifying for a federal forgiveness program. But when I got the paperwork completed with my employer and the federal government, I was denied. Navient NEVER provided a reason and after 2 years of trying to figure it out, I am now consolidating my loans to qualify for the program though that will be 2 years I could have put towards the federal forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Best Buy Credit Card, was transferred over from XXXX to Citicard in XX/XX/XXXX. I have contacted Citibank in 3 different occasions, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid the annual dues for the account and my account was confirmed to have a XXXX balance on a recorded line. I just had another call today XX/XX/XXXX at XXXX were they reconfirmed my account has a XXXX balance. However my credit report shows a delinquent account from Citibank Best buy account, they have told me that this would be removed since XX/XX/XXXX and it has n't, they do not want to provide me with written proof that i have a XXXX balance or that my credit report has been updated.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, Equifax and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XX/XX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX pain XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i disputed inquiries with XXXX to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called XXXX several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: FL

Complaint narrative:
I was reported 90 days past due on my student loan, I have never been late. I never received a written communication letting me know there was an issue with my payment. I was under the impression that it is a requirement for the Student Loan Servicing companies to communicate in writing with the borrowers regarding their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. 
First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. 
The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. 
If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? 
Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?

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: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
After a fraudulent address change form was sent, my mail was stolen, my credit cards statements were redirected and a fraudulent credit card account was set up in my name and then used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have a mortgage with Penny Mac. My husband lost his job. We requested a hardship loan modification over three months ago. They stated that they are processing it. We are worried because we are not hearing anything from them. XXXX They are still taking the payment out of my account, yet they are reporting us late on our credit file. I do n't know where else to turn. Can you please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XXXX XXXX therapy is trying to collect {$40.00} as a co-pay for the days I did not seek their services. I have called the XXXX facility in XXXX MA to clear the matter twice and was told both times that the charge was an error due to rescheduling conflict. However, I kept getting bills from XXXX. Recently I received a letter from Transworld systems inc about debt collection. 
I was a poor tactic from XXXX to forward this to the debt collector, while their XXXX MA branch kept telling me that the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I did not receive any communication about this collection. In my call with insurance and hospital regarding the claim, Insurance agreed that it is non hospitalization claim and agreed to pay. But did not pay. I was not aware of this and did not get any bills thereafter. The treatment happened in XX/XX/XXXX and I collection came into credit report in XX/XX/XXXX. It is only for {$180.00}. I paid once I came to know about the collection. I was informed that collection will be removed 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 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I purchased a XXXX and I found out that their is a lawsuit against Toyota for racial discrimination against XXXX people because they charge a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I paid the debt that was owe but did not get in formal information on the balance until I pulled up my credit report. I called that company to at least try to remove the late payments and rep was rude about it. I did state to the company if they can remove the late payments off the account because it would not been late if I receive the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On the american express website, I was offered to obtain a second card. The way I read it, amex was simply inviting me to get a second card for the person of my choice. Since I already have a card, and since it appeared as an invite, I just assumed that they would be sending me the second card. Rather, I received a notice of rejection, which notice contained no reasons whatsoever. I have been a customer of amex for three or four years. Their way of dealing with a customer is bad and insulting. Their treatment belies their statements that theirs are " valued '' customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Convergent Outsourcing a collection agency is attempting to collect an alleged debt for a cell phone carrier named XXXX. I have requested in writing that this collection agency provides document proof of this alleged debt and has failed to do so, but continues to send harassing letters to collect. They continue listing this alleged debt with XXXX and XXXX credit reporting agencies affecting my credit score.

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