vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Earm LLC
State: TX

Complaint narrative:
Received a call from XXXX stating they are sending legal papers to my home over a debt, they called my work also. I called them back and they have a lot of information of mine, they told me I received a payday loan from MAC Development. I have never heard of this company and have never received anything from them. I told them to deliver the legal papers. The debt is {$390.00}. This is not mine. I received multiple calls and again they called my work. How can they try to get me to pay money for something I do not owe. PLEASE HELP!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian uses XXXX and it discriminates against Veterans with a VA loan. I have paid additional principal since the loan inception and have never been late or missed a payment, yet my " score negative '' items list my real estate balance is " too high compared to the original loan balance ''. In my mind this method discriminates against Veterans using the VA 100 % loan benefit by reducing the credit score which increases costs on just about everything theses days e.g. insurance on cars and homes.

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

Complaint narrative:
I have made multiple written requests for TransUnion to issue my Credit Freeze security PIN and they fail to respond. I placed a Credit Freeze on my bureau more than a year ago due to fraud activity and I need the freeze removed to apply for a mortgage. I can not remove the freeze without a PIN from TransUnion. 

TransUnion will only issue a PIN if they receive a request by mail. I sent them a request on XX/XX/2017 and again XX/XX/2017 and they still have not responded. I live in the state of Arizona and TransUnion 's guide indicates there is no fee for this service. 

There is no way to even follow up to ensure they have received my request and when I can expect to get the PIN issued.

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 — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX refuses to remove negative information from my Credit. XXXX has been asked continuously in writing as well as verbally to verify the debt. XXXX can not provide me with the validation of the debt he is trying to collect. I have told XXXX repeatedly that I DO NOT want any business with his company nor have done any business with his company. I have asked for a wet signature contract with his company and he has not been able to provide one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had fraud on my account and I contacted the company to make them aware of it. They closed down my card but the fraud is on my current account and making my monthly minimum payment higher, my card is over the limit due to the fraud. The fraud was transferred to the new account.

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 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cornerstone Mitigation
State: NJ

Complaint narrative:
I was contacted via text by my ex-husband on XXXX/XXXX/XXXX advising me that someone by the name of XXXX contacted him advising him that her company which is called XXXX XXXX XXXX XXXX were going to garnish my wages because of a so called unpaid payday loan from a company called CMG that I got some time in XXXX, they also contacted his sister. mother, and my mother and released the same information. When I called I was transferred to XXXX XXXX, and I asked why was n't I ever contacted she advised me it was because they had just gotten the case that week, I told her that has nothing to do with you people contacting people I 'm no longer in contact with and releasing personal information whether it bogus or not, I also advised that I have a standing credit freeze on my account due to me being a victim of identity theft, and that I never had a payday loan, she said before she hung up on me that, they have all the info they need and they will be at my place of employment to serve me with garnishment paperwork. I called the very next day XXXX/XXXX/XXXX, and got the receptionist, asked for the correct web address because I could n't find anything by searching on my on, and she refused to provide it, I also asked for a fax number so I could submit my documents from my id theft case, and she refused that as well. The number I called was XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CCBA Inc.
State: OR

Complaint narrative:
I am unsure what kind of debt this is as I am being repeatedly called as a reference to my sister. I received XXXX such messages yesterday from a company called CCBA, which stated they were calling about a case which was filed in reference to my sister, and they needed a statement about my involvement. Such scare tactics are illegal and I had previously asked them not to call me. They are not allowed to imply they are law enforcement. When I called back I asked to speak to a supervisor, he denied the behavior and stated he would get the recording to prove it. I was never advised my call would be recorded which is also illegal.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAB Receivables, Inc.
State: AL

Complaint narrative:
I am writing you to discuss a disreputable collection agency that has submitted incorrect collections information to XXXX, XXXX, and XXXX about an account that I had at a dentist 's office. 
I have disputed the information with the credit bureaus multiple times, but I keep getting a form letter telling me the information has been verified. 
In an attempt to deal with the collection agency directly, I wrote them on XXXX XXXX 2015 explaining that I dispute the amount owed and requested information proving that I owed the debt and that I agreed to assume the debt. 
The collection agency only provided me with an inaccurate statement which did not include payments made. The statement did not include why benefits were not paid by my insurance. It did not include steps they took to settle this debt with my insurance company. 
Their incorrect entry on my credit report has caused multiple issues. I have been denied credit. I have also been given less favorable terms due to this collection account. 
I am writing you in hopes that you may help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Summit Consumer Group

Complaint narrative:
I ( and my family ) was contacted by a company called Summit Consumer Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, stating that I owe in excess of {$1500.00} due to a late cellphone payment to the mobile service provider XXXX XXXX from the years XX/XX/XXXX - XX/XX/XXXX. I have never been contacted in the past 16 years for any debt from XXXX. This company ( SCG ) stated that I woud be issued a subpoena and my bank assets would be seized if I do not remit payment for this fee. I contacted XXXX XXXX and the company stated that I do not owe anything.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Signed contract in XX/XX/XXXX with XXXX attorneys for Portfolio Recovery Associates for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly Portfolio is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
This is a follow up to my earlier complaint I filed back on XX/XX/2017 Case number ( XXXX ) I was told on XX/XX/XXXX by XXXX that my coordinator could resubmit this application for a Government CC and XXXX would go ahead and process it. My coordinator followed the normal steps and sent everything to the Attention of XXXX and left a few voicemails as well but no calls were returned. Then on XX/XX/2017, she was given notice again that my request is denied due to me already having an opened account. I was also told by XXXX, that a XXXX would have to fix the old card issue as it is considered identity theft and he works on that issue. I called XXXX twice but no call has been returned. 
I am so frustrated by the misinformation and XXXX I am having to go through for something that happened over 24 years ago by some company I have never heard of. Ive read that US bank was ordered to pay millions to consumers for bad dealings by your agency, ( CFPB ), yet I ca n't get them to release my name and SSN from a false account from over 245 years ago. Where is my justice and how do I get this matter resolved? 
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 non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I noticed a collection account with XXXX was placed on my credit report in XX/XX/2017. I was not aware of the account nor had ever done business with XXXX so I was very furious and shocked an account was placed on all XXXX credit reports without validation. I never received a dunning letter or anything from XXXX so on XX/XX/XXXX I sent a certified letter asking XXXX to validate the debt. I also wrote all XXXX credit bureas asking why was this unverified unvalidated account was placed on my report. I didnt receive a response from XXXX until XX/XX/XXXX ( beyond the 30 day requested response time ) when XXXX responded the sent me a copy of some bill with my name address on it. I immediately sent XXXX another certified letter advising again, to legally validate the debt with a contract with my signature of something that says this account is me. ( I 've been a victim of identity theft in the past, note the fraud alerts on my report ). I havent received proper debt validation as of today. Meanwhile I was also communicating with the credit beauru specifically Equifax regarding this unverified account. I submitted three written notices to Equfax and called to check the status a few times. The issue is each time I communicated with Equifax the created a new dispute now totaling 5 disputes for the same case with XXXX. I finally called and spoke with a manager XXXX whom told me on XX/XX/XXXX Equifax verified the account by name social and address ( I have a recording of this call ) I explained that is not a proper MOV ( method of validation ) and they have violated my rights under the FCRA guidelines. This account is still showing on my reports and should be deleted without proper validation. In addition I mailed XXXX a letter requesting MOV on XX/XX/XXXX certified, as of today I have not received a response ( pass the 15 day time-frame. All XXXX credit beuar and XXXX have violated my rights under the act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MFP, inc.
State: FL

Complaint narrative:
Violation of Hippa, Hitech regulations, unlicensed debt collector, no attempts to claim debt, just reports PHI on CRA 's site. Multiple complaint regarding the alleged debt w/ XXXX CA 's seemingly working together no proof of Associates Agreement w/ " original creditor '', on going investigation from Florida Department of Financial Regulation regarding collection activities of XXXX agencies. 
XXXX lost claim with XXXX, same claim submitted by " different '' CA ... if you look @ mail receipts from certified mail I 've sent same person signs for mail, They 've lost @ XXXX CRA, use different Company to submit same claim @ different CRA, never a direct attempt made to " collect debt '', just reporting to CRA 's is their tactic. 
Chief concern is HIPPA violations by original creditor, multiple breaches of privacy & security of PHI ( how many of these " low end '' agencies are going to end up w/ my PHI? ) Have filed complaint w/ OCR , FLoFR, next is asking Florida AG consumer affairs. multiple violations of fdcpa, facta, HITECH Breaches ... 
Investigations are warranted. They ca n't just shop this alleged claim from disreputable collector, another without end ... They 've lost their claim, how long do I have to put up with these XXXX getting away with this? ... asking the FEDERAL GOVERMENT TO ACT. IN THIS CASE! 










XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
The Thomas Agency has continued to report to the credit bureaus that I owe money on an account that is unknown to me. I have disputed this entry several times and they continue to report the the credit bureaus and its causing damage and costing me money and hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I was garnished through my employer in XX/XX/2007 and paid the debt in full. They are now coming back after 10 years saying I owe them more money and adding interest for the 10 years.

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 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ikon Financial Group, LLC
State: CA

Complaint narrative:
I refinanced my VA home loan with Ikon Financial ( new name - XXXX XXXX XXXX ) last XXXX and have been trying to get my escrow refund for the past year. I have spoken to the owner, XXXX XXXX, on numerous occasions in reference to the owed escrow refund and have been receiving nothing but excuses. I have email correspondence from XXXX XXXX acknowledging the accounting error and that I am owed the refund, but I have yet to receive it. I also submitted a XXXX Complaint in South Carolina, where Ikon Financial ( XXXX XXXX XXXX ) is located, and still no results. Even though this is a Brokerage company, the refund that was sent to them and was cashed by their accounting department, should have been refunded to me, per XXXX XXXX response on XXXX/XXXX/2015.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Citicorp credit card ( issued by Sears ). The Citicorp overseas reps that I made my payment with did not log my payment in on time. Subsequently, after paying on time every month, Citicorp refuses to accept responsibility for the error of their off shore account reps and the language disparity that exists. 

I was told by a VP, XXXX, that I could not get help because he did n't have to. I told him that I wanted the late payment removed. I do not owe any money and refuse to ever do business with them again. I feel that there is systemic racism in correcting their error. XXXX was My account ends in # 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 2017-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The American Express office in Arizona called my neighbors in Texas, XXXX mother in Missouri, my daughter in Texas, my daughter in Illinois and my wife 's employer about payment. These phone numbers were illegal obtained and no permission was given to AMEX to contact these people and state there were attempting to contact my wife or myself. Contacted me after I asked not to and Contacted my wife 's employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Wilber Law Firm, P.C.
State: GA

Complaint narrative:
The XXXX group has attempted to collect a debt from me that I do n't owe. I never established a contract with this company, furthermore I feel like they are harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This item is being reported as being late and has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Brelvis Consulting, LLC
State: CA

Complaint narrative:
I receive multiple phone calls and  text messages over the past three months from an organization calling itself the " Student Loan Help Center '',  which apparently is based either in southern California or Florida.     I have repeatedly told this company that   : 1 ) I did not request any information from them 2 ) My phone number is on the Federal Do Not Call List 3 ) That I wish to be removed from all future communications.
Despite this, I continue to receive robocalls and SMS messages.
I do not have a business relationship with this company ; not do I want to have a business relationship with this company.
I have verified that my phone number is and has been current on the DNC List. I have filed complaints with the FCC, the U.S. Department of Education, the CA Attorney General 's office ( where I reside ), and the FL Attorney General 's office ( which may be where this organization is headquartered. I have also informed my Member of Congress of this issue.
I have asked to speak to the organizations General Counsel to   file a formal complaint ; at which point the person hangs up the phone.     I believe that this is the website of the company that calls me : http : //thestudentloanhelpcenter.com/ I block the phone number each time, but they always call from a different number.  On one call,  the voice recording said that the phone call was made using  XXXX   XXXX , a  VOIP  provider.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Recovery LLC
State: OK

Complaint narrative:
I 've been getting calls from a blocked/private number. A woman by the name of XXXX leaves a message saying that I need to be at home or at work ( with a witness or supervisor present ) on a certain day to sign for something ; but she never states what it is. She alluded to the fact that it was a military document I needed to sign for ( I 'm joining the military soon ). Yet on the day she said she would arrive, no one came. I 've gotten two more calls this week from her stating that I needed to present myself to sign or it would be seen as a 'failure to comply '. I 've called the number she 's given me and left a message ; someone from Worldwide Recoveries called me back and left me the same number that XXXX did. This call was also from a blocked number. I do not know who these people are or what they want, but this is bordering on harassment and stalking. If this is a collection call, then they need to state who they are and who they are collecting for.

Company response to consumer: Untimely response