vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was on a payment plan, paying $ XXXXmonth. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same  thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Recently synchrony bank purchased XXXX from XXXX. I set up a payment .... which was paid and not late .... synchrony reported the account late WHICH WAS NOT THE CASE AND THEY BILLED ME LIKE TRIPLE MY MONTHLY PAYMENTS .... when i called i was told nothing can be done even though it was their overtire from the transition from XXXX  to synchrony ... ..i have had this account for almost three years and never late ... .the rep for synchrony didnt even give the right information ... i basically told her more than she knew ... ...

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am trying to build a house. In XXXX our mortgage company ran my credit. They questioned me about some delinquent accounts including child support and a vehicle finance company that I have never used. I then requested my free credit reports. I had to mail in my proofs of identification. I then received XXXX XXXX and XXXX reports in the mail. However I received a letter from Equifax made out to my brothers name but my address. They were requesting more identification. I then wrote a letter explaining that it had my brothers name and I mailed the letter with more proof of identification. Once again received a letter. This time addressed with my name requesting identification again. I then called Equifax at the number on the letter and they continued to tell me that they did not have my identification. I then obtained a fax number and faxed my proofs of identification with the letter again. I called the next week. They told me I needed to wait on a letter. We finally received a letter stating that I needed to send more identification and that I would have to pay for report. I called again. I was told that my brothers and my information had been merged. They assured me that it was fixed. They told me I had my own file but nothing in it. I then tried to get onto my Equifax on line and view it. Was locked out. So made numerous calls yet again to be able to log on. Finally was unlocked and I logged on. Everything that showed under my user name and account was all of my brothers personal information wth some of my accounts but mostly his. Called them again. They told me that my account was cleared and that they could not explain why all of my brothers information was showing. I then was told by my mortgage company to go to XXXX and run my credit there that I would have to pay for it but it would show if it was cleared. I made an account at XXXX and was unable to get information. I called myfico and was told that I could not get in because of issues with my Equifax. I then called Equifax again. Needless to say I still can not view myfico and Equifax is showing all of my brothers information including all of his personal information. I have been dealing with this continuously since the end of XXXX. My home has been delayed due to this and I have no idea what to do from here. I need this resolved and I am getting no where with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I was on a payment plan, paying $ XXXX/month. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with Credit Collection Service collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. Emails notifying ABC Financial where consent was revoked ( See XXXX XXXX v. XXXX XXXX XXXX ), which includes the Federal Trade Commission being copied on email as well. Consent revoked is an absolute violation of the TCPA. I've also included voicemail messages with this complaint that clearly shows calls were made after consent was revoked. 

ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

In sum, ABC is LIABLE under state and federal law, for violating the FDCPA, TCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My complaint is against NELNET. I had my loan in deferment and I had kept my address and phone number current on my account. The last statement that I received in the mail was on XX/XX/2019. I had talked to them on the phone in XX/XX/XXXX and understood that I was still in deferment. I never received a phone call or statement or warning of any kind. Nelnet placed my account in default on XX/XX/2019, without any warning. I did not know until it was too late and I was notified by the Dept. of Ed. Now this default is on my credit report and I want NELNET to take my account back out of DEFAULT because I think that they should notify their account holders and give them a chance to take action. I think that NELNET should of made an effort to notify me and that did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/19, I requested a free credit report using XXXX from all three nationwide credit reporting companies. I was unable to obtain a credit report from Equifax, but I was able to obtain a credit report from XXXX and XXXX. When the site attempted to retrieve the report electronically from Equifax, I received the following error message : " This site can't be reached. '' When I tried a second time, the site told me I had already obtained my free credit report - when I had only received an error message - and was therefore not eligible to receive it. I then submitted a complaint through the " contact us '' feature of this website, which is the only way I can see to communicate with the managers of this website. I have not received a response. According to internet sources, this website is managed by XXXX XXXX XXXX, a joint venture of three credit reporting companies. These companies are violating their obligations under the Fair and Accurate Credit Transactions Act, because the site is unresponsive to complaints when consumers encounter errors using the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I received a call from a local number : ( XXXX ) XXXX. They identified themselves as a debt collector called " hrrgcollection.com '' and asked if I was XXXX XXXX. I said yes I was. They then asked for me to verify my date of birth. I asked what this was about and the caller stated before proceeding they must verify my date of birth. I told the caller I could not provide PII as I had no way of verifying if the call was legitimate. Furthermore I had just checked my credit report the week before and had nothing in my report about any outstanding bill, nor was I aware of anything that may be outstanding as I keep track of all my bills that I receive. 

At that point the caller said he would record that I " refused to identify myself '' and hung up. However this is incorrect. I had identified myself as XXXX XXXX. When I called back to see if this was a scam or legit. I spoke to another representative and explained to them that I was very dissatisfied with how this first call was handled and that I can't just give out my DOB unless I know who is on the other end of the call and have high confidence that they are legit. She was willing to take my verification of my home address instead of my DOB. And I was OK with giving her that information since my name and address is a public record. 

I did express to the second representative how unhappy I was with how the initial call was handled. However she did not offer an apology. When I spoke to her supervisor to complain he argued with me for several minutes and I asked him why it was that they handled the initial call in the way they did. I asked why they didn't apologize for that. He offered the apology ( after I asked for one ) and when I said it really isn't right that I have to ask for it, he said " well we're a collection agency ''. 

I did tell him that I need to first verify with my insurance company before I can give out any financial information to settle the account he was referring to as I had already paid the balance of my hospital visit in full and was not informed that there was still a {$36.00} balance remaining. And second that this was a legit collection. 

My complain is two-fold : first it was inappropriate for the first caller to say that I " refused to identify myself '' as I did do so. Second it was inappropriate to not offer the second verification question as an option, my home address, which the second representative did do when I called back. Third it is this attitude that this collection agency and they can simply treat whomever they call any way they wish. We do not have any obligation to provide them with PII upon request without knowing who they are or if they are legit. Anyone can call me and say they are collecting a bill.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # :XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation. 


DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$5700.00} because they are reporting the same account number for both accounts. XXXX {$11000.00} '' DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} '' because they are reporting the same account number for both accounts. XXXX {$5700.00}. 



XXXX Vs Experian. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account. 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit 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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My name is XXXX XXXX Today I received a Notice of Garnishment from XXXX XXXX XXXX # XXXX City of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , NY XXXX. 
For a judgement of {$6700.00} plus interest and fees for a total of {$11000.00} The judgment creditor is Cach, LLC.no address or telephone #. 
Also on this letter is a Company call XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX # XXXX, ext XXXX On this letter they are saying that a garnishment has been filed against my paycheck. 
This is a big scam by Cach , LLC. 
XXXX XXXX XXXX XXXX and by the New York XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with National Credit Systems or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX Closed on a 15year conventional mortgage with Sun West Mortgage Co XXXX ID XXXX Loan Amount : $ XXXX 3.125 % over 15 years At closing Sun West collect prepaid interest to XX/XX/XXXX My 1st monthly payment was not due until XX/XX/XXXX On XX/XX/XXXX I made a payment to Sun West for {$1500.00} I called Sun West and asked them to apply this 1-time extra payment directly to principal owing. as I had no interest owning at the time.and my first monthly payment was not due until XX/XX/XXXX. 

I recently got my statement and Sun West did not apply the entire XX/XX/XXXX payment to principal. They took {$560.00} from the XX/XX/XXXX payment as interest and only applied {$940.00} toward principal. This is unfair as {$560.00} in interest was not due for another month ( not until XXXX ). 
I contacted Sun West about this and they refused to fix the issue on XX/XX/XXXX I made a payment to Sun West for {$1500.00} This is to cover my monthly payment starting XX/XX/XXXX Again Sun West took {$560.00} in interest ( not due until XXXX ) for the entire month of XXXX I sent Sun West an email about this. 

Note Terms : All payments accepted and applied by lender shall be applied in the following order of priority : a ) Interest due under the Note b ) Principal due under the Note c ) Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due and then to reduce the principal balance of the Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed to Experian that my XXXX XXXX XXXX credit card was paid in full, but closed. I explained that I paid the full amount but the creditor is reporting the account as charged off despite the creditor agreed to not put on my credit report charged off/closed if I paid the full amount which I did. Of course I didn't get in writing because I'm XXXX. There is proof on my report that I owe {$0.00} and that it was paid. So why not remove if being reported inaccurately despite the creditor telling me different? I am in the process of trying to buy my first house and this has hugely impacted my life. Please help me remove this off my report as I paid and did not settle for less and have a {$0.00} balance.

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 2019-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: PR

Complaint narrative:
The lease with honda finance was terminated under the Servicemembers ' Civil Relief Act of 2003 in XXXX and the only directions that they gave me was to turn in the car, which I did as requested. They still are posting my account being delinquent wen this is not the case at the payments were always on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I received a notice for wage garnishment from XXXX XXXX XXXX XXXX related to an old judgement from the Superior Court of New Jersey XXXX County. This is an old judgement with a different lawyer in XXXX payments were made through the site. I kept a record after each payment I was given a confirm payment number which I wrote down on the back of the agreement form. I completed the payment and was scheduled to receive a letter of completion in XXXX. They call to verify address to mail the letter, which I didnt received. On Saturday XX/XX/XXXX I received this wage garnishment intent. I call Fein, Kahn & Sheppard on XX/XX/XXXX and fax all the information I had of all the payments made dates and confirmation numbers. They said this was not good enough. This debt was paid off XX/XX/XXXX, I have reached out to the previous law firm XXXX XXXX XXXX XXXX XXXX. I also check my credit report, this debt is not on the report. 
The amount paid to XXXX, XXXX XXXX XXXX XXXX of {$3000.00} ( XXXX plus interest XXXX ) The new amount from Fein, Kahn & Sheppard {$3300.00}. 
Im just disgusted with these attorney behavior, this debt is paid up 6yrs now.

Company response to consumer: Closed with explanation