vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Collections Inc
State: DE

Complaint narrative:
The debt in question was deleted from my bureau reports several years ago after a failure to validate on the part of a different collector. 
This collector ( First Collect of XXXX, Delaware ) is clearly a junk debt buyer. They purchased the old file and made attempts to collect via a dunning letter. In my response I requested validation. I received the validation and immediately recognized the old deleted debt. I replied with another letter indicating that the debt had previously been deleted. Further, the statute of limitations for reporting passed no later than XXXX XXXX. 
First Collect proceeded to make an entry to my bureau reports despite having been advised of the SoL and the previous deletion. The also falsely reported to XXXX that the " account '' had been opened on XXXX XXXX, clearly the date that they bought the junk debt but misrepresenting that it was a new debt and/or a new delinquency. 
They have revived a dead account, ignored the statute of limitations even when their own " validation '' document supports my position, and they have violated the law by falsifying the date and character of the debt in my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In 2015, I ordered workout items from XXXX Co. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our 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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting a creditor on my credit report that has not validated the information about the reported account, XXXX. XXXX has reported an account as in collections before validating the account, This is a violation of the FCRA,

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: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since falling victim to the XXXX, XXXX, XXXX, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I have XXXX collections that do not belong on my credit report. Unverified accounts. The first collection is XXXX for {$2400.00} Account # XXXX. The second collection is XXXX Account # XXXX. The third account is XXXX for {$740.00} account # XXXX. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to TransUnion and they will not delete this account either even though I have sent in documents stating that the account is paid in full. These collections should not be reporting and I 'm asking or them to be removed.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. XXXX XXXX XXXX XXXX Pays 31-60 Days 2. Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A charge-off was reported on my account with XXXX for a negative balance of ~ {$15.00}. The address the bank had on file was wrong, and so I did not know that I had a charge off until it was reported on my credit score. I then contacted the bank and paid off the negative balance. After paying off the balance, they agreed to have the charge-off removed ; however, there was no response from TransUnion. The collections department at the bank told me there was nothing left to do, but sent me the form they submitted to have the charge-off removed so I could remediate the issue myself. I submitted a complaint with TransUnion twice and received no response nor change to my credit report. The contact information I have on file with TransUnion is up to date -- there has simply been no response.

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 2015-05-18 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Trans-Fast Remittance LLC

Complaint narrative:
I availed the money transfer from Transfast.com. I filled up the information needed and when the application was submitted the amount was immediately debited from my account. The next day, they sent me an email that they cancelled my transaction and informed me that they will refund me the money with XXXX business days. I followed up with them many times and they keep on saying that they will refund me the money back into my account. As of the time of writing, I have not yet receive back my money from Transfast.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo bank advertised opening an online account with a {$250.00} promotion. I completed the online process. Then I received an email directing me to the branch in order to complete the process. When I went to the branch, they told me that they could open the account but not apply the {$250.00} promotional to the account. I feel like this was a bait and switch.

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: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was approached by the manager of wells fargo bank and incoureged to astablish credit with a bank card .told to put XXXX in asecured account, plus XXXX annual fee, which iwas under the understanding that was an annual interest. After a few months paying back i owed about XXXX XXXX i made a payment of XXXX for the month .XXXX XXXX i missed makeing aminimum payment. On XXXX XXXX XXXX iam out of the rest of my account .They goobbled XXXX that quick, I am outrqaged at the robbery of this institution. I was talked into doing this against my wishes .They scammed me and i wish they had just left me alone with my debit checking account. .i am one of those customers they took to the cleaners last year. 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 monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
This morning XX/XX/2016 I received a phone call during my working hours by a collection company call Quality Recovery Service, Inc My boss told the woman that was in classroom with my students and could she take a message. The woman said no because I really need to speak to her about a personal issues. I have ask them not to call me on my job at all but they did anyway by harassment me. She was very unprofessional and extroidnarily accusatory towards me on the phone. The woman on phone stated that she 's been trying to call me but I have n't received no phone calls on my personal phone but on my job only. Then she threatened me by saying she will have my wages garnish and and take legal actions towards me if I do n't make any payments. She was so rude on phone with and hung up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Capstone Funding Group, Inc.
State: NY

Complaint narrative:
Capstone has refinance my present mortgage with XXXX, I have several complaints with your office regarding XXXX. XXXX was the Servicers XXXX ( see attached complaint number ) So I ask Capstone to change Servicers and Capstone denied my request., sencodly Capstone payoff XXXX XXXX complaints will be file today ) but the lien is still showing owed with the XXXX XXXX ''. I believe was planned. So Capstone or XXXX because they refuse to XXXX in making XXXX correct issue with money owe to borrower ( myself ) late fee that never happening and now loads lien to still existing with XXXX COUNTY '' Capstone or XXXX do n't care to assist in any thing the XXXX does. XXXX Capstone still has n't given borrower the signed close documents for this loan for XXXX and XXXX was payoff to XXXX

Company response to consumer: Untimely response
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lake Area Collections, LLC
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I havr Federal Student loans that were serviced by a company called ed financial. My account was current for several years and also on forbearance. Unfortunately when the forbearance was up I was unemployed due to being layed off by my employer. Ed financial no longer serviced my loan and was transferred to whether company and I was unaware. Ed financial shows on my credit as 120 days late. 
Now I have taken the proper steps and have had all my loans consolidated. Edfinancial still shows on my credit 120 days late dated back to 2006. I have disputed thru the credit bureaus to have Edfinancial removed from my report as it have been over 10 years and they will not remove it. I want the item removed as I was unaware that the servicer was changed and also I got behind because of this and also this account is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
This agency Global Finance continues to call on a automated line on a daily basis and I 've called them to let them know that whoever they 're trying to reach I do n't know that person and to please STOP calling and they said that they would but I 'm still receiving calls asked them again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
My care credit account was closed unknowingly on XXXX XXXX XXXX due to us filing bankruptcy ( which I understand ) that which still collected my {$100.00} to {$150.00} a month payments and would probably still be accepting our payments if we had n't tried to use the card last week and declined now they are saying they only owe us {$100.00} I want this investigated. I never put them on my bankruptcy but it is standard to close account I understand that but when the account was closed it was $ XXXX. so I am being cheated and I feel this needs attention!!!! my payments are XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$150.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # 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 monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commercial Recovery Systems
State: NY

Complaint narrative:
The company is alleging I owe a debt from a payday loan, While I did take out payday loans in Nevada in the mid XXXX all of these loans were paid. Not to mention that they are barred by the statute of limitations on debt collections past 6 years. The company refuses to produce any evidence of the loans and are insisting that criminal actions are being filed unless I pay them money. Repeatedly calling, harassing and cursing at me. I am an attorney and I know this is against the law.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
My son received XXXX twice with XXXX. The representative told me that it would be {$75.00} but the amount they are attempting to collect is much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performance Settlement, LLC
State: MN

Complaint narrative:
I was with a third party consolidation company called performance XXXX who misrepresented themselves by saying they will file all the paperwork for a pay as you earn and I was under the impression that they would be my loan servicer and not XXXX that I currently have. I found out after paying them for 2 months of services that they just consolidate and that 's it. I tried to cancel their services but they state to go through loan servicer XXXX who has no record of them and either does the department of education. I believe that I have been scammed and now I have to figure out how to cancel services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears City bank issued me a Sears only use card. when the balance waSXXXX i ORDERED TO CANCEL IT. XXXX CARD REFUSES TO DO SO, ACCOUNT NUMBERXXXX. THE SEARS CITY BANK CARD HAS OVER XXXX SIMILAR COMPLAINTS.THE THREATHEND TO RUIN MY CREDIT.THANK YOU. XXXX XXXX, SS # XXXX PHONE 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 2017-04-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The loan servicer, OCWEN, put homeowners insurance on my mortgage even though I already had a full and sufficient policy on my property. They also included fees for appraisal, inspection and attorney fees. I filed a complaint, XXXX. OCWEN only removed the cost of insurance. I have called to no avail!

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 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NARTEY LAW GROUP, LLC
State: GA

Complaint narrative:
The company 's response is not factual. My initial agreement ( attached ) in 2011 was with Kramer Linkie and Taylor, not XXXX XXXX and XXXX. As I stated, XXXX turned the account over to Nartey Law Group without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as Nartey Law Group. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from XXXX stating that they would garnish my account if I did not send them payments. I had never heard of XXXX. I then called XXXX and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from XXXX that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to XXXX because I do not want my account to be garnished and I do not want to incur more legal fees. I want two things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery keep reporting that i per a debt from several years ago and was not contacted before putting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I have an auto loan with USAA. The funds are electronically transferred from my account with XXXX to USAA. This was done for the last required payment on XX/XX/2017. I received a letter in the mail from USAA on XX/XX/2017. I immediately checked with XXXX and reviewed my statements which showed the car payment had come out of my account and been transferred to USAA. I called USAA and they checked and it had not been posted to any of my other accounts. They requested XXXX fax them a copy of my statement showing the deduction from my account and the transfer form. XXXX did that the same evening, XX/XX/XXXX. I was told initially it would take XXXX business days to rectify the situation. It is now XXXX, XXXX days later and no resolution. I just got my email statement showing no resolution and that a late charge has been applied. I have had XXXX auto loans with USAA and never missed a payment. I also have a credit card and have never missed a payment. This is an in-house problem for USAA. My car payment should have been immediately credited to my account based on documentation XXXX provided, while USAA straightened out its own internal mess. I will not get an auto loan with them again based on this experience.

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