vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
RMP Services is on my credit report and this does not belong to me. It has a balance of {$220.00} and it indicates Medical. I would like it removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be deleted.

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 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
I was contacted by a  XXXX   XXXX   XXXX  at JJ legal processing via phone and left me a voicemail, stating if I do not contact them him immediately that this will be my final opportunity to resolve my issue, he proceeded to say that I have  XXXX  counts of financial fraud that is equivalent to check fraud, never in my life have I been accused of this, then he proceeded to call my place of employment and told them that he was an  officer of  some sort and I need to contact them immediately, left a number of  XXXX  and file number. I call the number ends up being a representative of the website mentioned above also goes by Texa s Acceptance, LLC an d he proceeded to say that he look up my records and shows that I have never be in trouble for the financial fraud, I proceeded to say I know  XXXX   XXXX  I have your badge number because you stated that you were an officer and he then said would you like me to call the  XXXX   county court house, I  said yes please, because I would like to know what 's going on. He proceeds, we wait on the line, no one answers, he hangs up, so Then he disclosed who is representing and that if I intend to pay, I was like due to my financial situation, I can not at the moment, then he stated something about my bank account and I stated that I closed it. Then that upset him and I told him I am going to contact a lawyer because I know my FDCPA rights and that is illegal to say he is an officer of some type at the beginning and threaten me and wrongful accuse me. I contacted a lawyer office and I was told next time they call for me to tell them I am reporting them to the FBI for impersonating an officer and against the law to keep harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
heftyHi, I been trying to work a settlement payoff with Midland Credit Management for the pass month and a half now. As I 'm writing this complaint, I 've been on hold for 1hr,25mins now, without anyone coming back to the line to follow up with me at all. Not sure what the policies, and procedures are, but what ever it is, Its not working well. 
However, I 've been wanting to work with MCM on an amount of XXXX which was offered to me at the end of XX/XX/XXXX to close out the XXXX account I have in their office. 
My first contact with MCM, I advised them that I have a very limited amt to work with, to be exact I had amt of XXXX, due to lack of income. I 've contacted them few more times after that, but no one seem to be willing, and understand my situation, not that I expect them too. I just would like to be treated fairly, I 'm sure they do n't place all their client on hold without a follow up for over an 1hr now. I wish someone would just come back on the line so I can settle this matter. 
I hope the way there are treating me at this time will not go unnoticed, the way they are conducting their business is ridiculous, its unheard of, I 'm surprised their doors are still open. 

I just wish someone would come back on the line, considering they close in 8mins ( XXXX EST ) that 's how long I 've been on hold without a follow up, WOW! Amazing! 

I hope CFPB, can retrieve the phone calls I 've made to them, so you can hear my willingness to work with them, and MCM, Not so much. 

I even had a rep question my intentions for wanting to settle the matter. 

So I 've been on hold now for a total of 1:28min Guess this matter will not get resolved tonight for lack of willingness on MCM 's side. 
Thanks MCM for wasting 1:35min of my life! 

I sure I 'm not the only one that has some thing nice to say about MCM ... 

I hope MCM will be fine a hefty amount for this unfair treatment!

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
While checking my credit score XXXX is showing a lein on my home by Ford Motor Credit LLC. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I have been making payments on a hospital bill ( I should have disputed this bill from the start. ) XXXX to a debt collector since XXXX I have made regular monthly payments of XXXX.for 48 months At the end of XXXX I sent a check for the final payment on the account and they said ... .oh no wait a minute you still owe us XXXX. I stated I did not owe that and they informed me that they refiled a judgement back in XXXX since I missed several payments. This was the first I was notified of this.They never called or notified us that these payments were not received and that now they filed additional paperwork to inflate the balance to over XXXX still owed. They garnished my personal joint bank account with my wife who has battled XXXX for 17 months and garnished my very small business account. They took every cent from these accounts and never returned my calls since XXXX about my disute of not owing this balance. I have requested bank records from my bank. I have looked online and found many complaints and lawsuits against this debt collector Hayt Hayt and Landau, 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 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: John C. Bonewicz, P.C.
State: IL

Complaint narrative:
I am submitting this complaint against  John C. Boewicz PC  because while I was trying to settle a debt of {$3500.00} they began to garnish my wages without any warning. I was negotiating over the phone with them since    XXXX  2017    . I even sent them a couple of faxes explaining that despite my financial hardship I was willing to settle. I started with {$750.00} then I counter offered {$1100.00}. They asked for proof of funds and I even faxed that over. Within a week from my last fax they had already garnished {$85.00}. I called to ask  XXXX   XXXX   XXXX , who I was negotiating with, why they were taking money if I already had asked for a settlement. He responded that he and his " superior '' figured this was the best option for them. I never was told they were going to garnish. What was the point then faxing over proof of funds? Today they garnished {$75.00}. I am a divorced woman and I do not make what my ex husband use to make. I have  XXXX  children to provide for. I feel that they took action to quickly and left me in the dark on purpose. Attached is the proof of faxes I sent them.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-20 00:00:00
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: LICTY, INC.
State: CA

Complaint narrative:
being contacted daily by phone and email from a service looking to reduce my student loan. under names : academic guidance, XXXX last email contained this : If you could call me direct or my team at XXXX we can finalize your application and most likely remove most of your Student Loan Debt Thanks and let me know if you have any questions. 

XXXX XXXX Customer Success Manager XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX called the number asked for XXXX. no one there by that name. i asked for manager and talked to XXXX XXXX. he refused to escalate to a manager above him and hung up on me several times. had other employees answer and also hang up on me. said he was the floor manager and that there was no one above him. stayed on the phone asking but he still refused to give me any other information to the point where he just stayed on the phone silent and ignoring me instead of giving up any more information. extremely unprofessional conduct. the thing about this is that i put information into a website a dfew months back. ever since then, non stop calls emails and people asking me for my personal information. I keep refusing and telling them to take my number off their list but still get these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Sent an email to a co worker about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BAM Financial, LLC
State: FL

Complaint narrative:
West & Associates, a company in XXXX, California posing as a collecting agency for XXXX, collected money I owed XXXX bank but did not pay this money to XXXX bank. XXXX bank denied West & Associates was their collecting agency.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied for XXXX credit card to take advantage of a XXXX dollar rebate if the purchase was placed on the card, I did that and followed all the instructions to get the rebate and now the rebate forms cant be found by the company.

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 2017-04-10 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: FL

Complaint narrative:
Why should this company be allowed to send unsolicited pre-paid credit cards in the mail to me? This ought to be illegal.

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 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Services, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from XXXX at Accounting Management Service Inc. ( collecting agency ), located in XXXX, CA and I was told I owe {$2000.00} to XXXX XXXX XXXX ( as XXXX ), located in XXXX, CA. 
Later that day, I found out XXXX charged me {$2200.00} for XXXX storage fee that we 've never agreed or authorized. After the fact I sent the signed " XXXX Form '' to XXXX on XX/XX/XXXX via both e-mail and regular mail, In addition, I specifically called the office for a confirmation that the form had been received and the embryo would be disposed of. No one ever mentioned that the form was not valid at the time. 
I 've been trying to dispute this unauthorized charge with the billing supervisor at XXXX however all she could say is " the disposition form we sent had a notation on it to get a notary. I believe the account has been sent to collection it needs to be paid. And that form needs to be signed by a notary in order to receive any more bills. '' Until I requested on XX/XX/XXXX to send me invoices that they claim I owe, I had never received the invoices from them. 
I strongly believe we do n't owe this debt for the reason I mentioned above. 
I do n't understand why we have to pay for something we 've never agreed or unauthorized. They are ignoring the fact this debt caused by the negligence of their staff handling our file. 
Please refer the attached statement of the fact that I sent to XXXX but they keep insisting we owe the debt. 
If you can escalate this matter to investigation to improve the way the they conduct their business, it 'll help other victims. 
And I hope you can convince them to dismiss this debt. 
After I filed a compliant to Federal Trade Commission, they suggested to file a compliant with you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA

Complaint narrative:
On  XXXX / XXXX / 16 , I was referred to  XXXX   XXXX   XXXX  to have a   XXXX   XXXX   taken, The sample was then sent to  XXXX  for analysis despite the fact that  XXXX  was not in the network of outpatient testing facilities. The sample should have been sent to  XXXX   XXXX .   I am currently been threatened with adverse collections and credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KELLER,GRIMALDI AND ASSOCIATES
State: KY

Complaint narrative:
Harassed my father in law and asked him to pay money

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 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
For every Bill I received I have made a payment. About a year ago I stopped receiving bills, and have not gotten a phone call email or letter about this debt. I did not know this debt still existed until I found out from my credit report that I have an account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CRESCO CAPITAL INC.
State: MD

Complaint narrative:
I purchased a Tractor in     XXXX   2016     and have been making monthly payments of {$1300.00} every since. I had an ez-pass that I did not know was n't working. As a result I incurred a lot of toll fees that were sent directly to my lender, Cresco. The lender, Cresco then sent those fees to me with an extra {$30.00} attached. Cresco said the {$30.00} fee was their fee for paying my tolls.   On top of all that, just this month, I received more tolls ( {$900.00} plus ) which I paid directly thru ez-pass. Now  Cresco  is asking me to pay again. They said I have to pay them because they have to dispute my payments with ez-pass I explained to  Cresco  that these bills have already been paid and they are still asking for more money and will take this money directly out of my account. They could also repo my tractor if I do not pay, so I have paid everything and am looking to be refunded.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting a Bankruptcy on my credit report. The courts does n't verify this information. It was pulled from a third party reporting agency. Therefore it needs to be deleted.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has a XXXX that is listed on my credit report. I asked them to verify it within 15 days according to FCRA within 15 days and the item was not verified. This is not my account and this collection company is constantly updating this incorrect information. And it is having negative effects on my credit score. XXXX XXXX FL XXXX XXXX It was last added to my credit report on XX/XX/2017 I want this incorrect information removed immediately and I have consulted with legal counsel.

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 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
I have no idea what has happened. This debt showed up on my credit report XX/XX/2017 and I have no idea what it is for or when or why I owe it. Company will not respond to my requests for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I was never mailed a letter notification to the following XXXX XXXX collection bill of {$9100.00}. Debt is NOT mine, my VA insurance should have covered my medical expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I used my AMEX bluebird prepaid card to secure a hotel for 2 days, the room rate was XXXX which with taxes came out to XXXX a night. My card was charged XXXX separate times for over XXXX dollars. I have gone through the dispute process twice now which is very long, submitted all proofs and receipts and they still have not given my money back. They do not allow me to speak directly to there dispute department and will only talk to me through there customer service number, which claims to want to help but ca n't.

Company response to consumer: Closed with explanation