vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: WA

Complaint narrative:
XXXX sent the account to Afni and they NEVER contacted me to inform they hold the debt, They never tried to give me an opportunity to settle. I ended up calling and tried to settle. 

This account is in complete dispute and can be resolved. When I switched to XXXX from the previous carrier I was mislead and out right lied to by the store rep. I later learned that the initial store rep was discharged for similarly misleading switching customers. We were not informed many financial necessities that should have been properly disclosed. Instead we were told that XXXX would take care of some charges. 

I made an offer for a settlement, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XXXX of XX/XX/XXXX and they still are illegally reporting this as a closed account with a negative 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 explanation
Consumer complaint received 2018-11-05 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: SD

Complaint narrative:
XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am writing this complaint to inform you of the deceptive tactics that were used by two collection agencies that were collecting past due amounts for Synchrony Bank. 

The first collection agency is XXXX XXXX, who is collecting for XXXX. After missing some payments and receiving emails and letters saying that they can offer financial assistance or a suitable payment arrangement, I finally contacted XXXX back in XXXX. 

My past due amount at that time was {$210.00}. I was assuming that this payment plan would get me back on track. I went ahead and agreed to allow XXXX to automatically take payments from my checking account for five months. Those months were for XXXX XXXX with payments between {$34.00} - {$67.00}. The amount I paid for those five months totaled {$280.00}. Since the automatic payments ended on XX/XX/XXXX, I went online and paid {$70.00} for XX/XX/XXXX. Even before my XXXX payment was due, I started to receive phone calls from XXXX again. XXXX then mailed me a letter dated XX/XX/XXXX, stating that my past due amount is now {$240.00}. This is an increase of {$25.00} from the original past due amount from a letter they sent me dated XX/XX/XXXX. 

Since they had been calling me several times everyday for at least a month, I finally called them on Saturday, XX/XX/XXXX and asked them why do I still owe a past due amount when I thought the purpose of the payment arrangement was to eliminate the past due amount so that I could get back on track with my payments. I told them that what they did was very deceptive and to not call me again. I also let the person I was speaking to know that I was going to file a complaint with the FTC. 

The second collection agency that Synchrony Bank uses is XXXX XXXX, which is collecting for XXXX. My original past due amount back in XXXX of this year was {$230.00}. The payment plan that I was set up for was for six months with amounts anywhere between {$30.00} to {$81.00}. The amount I paid ended up totaling {$400.00}. XXXX sent me a letter dated XX/XX/XXXX saying that my past due amount is now {$260.00}. This is now an increase of {$34.00} from the past due amount in XXXX. 

What were these collection agencies doing with the money that I paid them? Why do I still have past due amounts that are now more than the original? Why are these collection agencies saying that they will offer people financial assistance or suitable payment arrangements if the past due amount ( s ) people owe never goes down? 

I really hope that the FTC will take action against Synchrony Bank, XXXX XXXX and XXXX XXXX and put an end to their deceptive tactics that are putting me and possibly many others into even further debt. 

Thank you for your time.

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 2018-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX XXXX XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX XXXX XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX - {$5000.00} XX/XX/XXXX -XXXX XXXXS XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX   XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX XXXX  - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}

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 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX  XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

Below is what was in the letter i sent to the Medical center of XXXX : Notice of Dispute and Settlement Dear The Medical Center of XXXX I, XXXX XXXX, disputing the entire balance on account number XXXX, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balance currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balance payoff ), you are agreeing to settle any balance and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$120.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX 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 2018-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax closed Ticket XXXX today and have done nothing but attempt to blame me for my account not having a freeze on it, when the fact is they still are unable to fix the account and allow me to freeze and unfreeze on my own. 
Equfax has ignored ticket XXXX, which is my report of their illegal activity with respect to putting a freeze on my account when ticket XXXX specifically stated not to do that and the reason was given. 
Equifax has chosen to respond to ticket XXXX with a simple " we need more time. '' Time is up. 
Since Equifax broke the law when they put a freeze on my account after being told specifically NOT to do that, what is my recourse against this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XXXX XXXX noticed unauthorized charge on my company 's account so call the bank immediately and I shut my ATM card off and even at the time still on the phone with the bank the person with the fake card tried making another charge.at XXXX, XXXX XXXX, N.Y. 
the charge was at XXXX XXXX XXXX in XXXX XXXX, N.Y. for {$170.00} a New ATM Card was sent to me a Temporary charge was credited to the account on XXXX XXXX for {$170.00} on XXXX XXXX the claim was denied and bank took the money back so I called to found why, and only told that the claim was denied with no correspondence from the bank what so ever or a affidavit disclaimer was not sent to me at any time, not even after I requested a affidavit disclaimer be sent to me and still no correspondence. 
from the bank and no further information after reconsideration to reopen the claim. 
nor would get answers about the bank security being breached that was not reported to FTC.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MA

Complaint narrative:
The Lender is foreclosing on the property without giving the homeowner ample time to explore and undergo loss mitigation options. The homeowner intends to do a short sale and wants the chance to be able to do this. There is already a Buyer who wants to purchase the house and wants to send an offer to the Bank ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TX

Complaint narrative:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NE

Complaint narrative:
Approximately 3 years ago I had been a customer with XXXX XXXX for 8 years, I called as my service was not working, after a month of jumping through hoops I called again, they said to get a new modem, I spent {$400.00} on various modems within a few months. I finally had enough and called to cancel my internet service. They stated I was in a contract with them, and would have to pay and early termination fee. I stated I have been a customer for 8 years, how am I still in a contract. They stated when I purchased the new modem through them, that I was in a new contract with them. I stated I did not agree to that, and will not pay it. Since then I have had various debt collectors mail me stuff, call and harass me. However, today really upset me as they called my work to collect a debt that is from 3 years ago and in my opinion not a valid debt. I stated, quit calling me, take me to court if you must or whatever your threats are, but stop calling me. I ended up hanging up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
We have repeatedly told XXXX at the telegraph canyon location, XXXX, AND the XXXX XXXX, to not send anything to a particular address. We have provided the correct address many times and they keep sending correspondence and specifically collections letters to an address that is incorrect! 

Also, I had a promise to pay arrangement with XXXX the XXXX, for the beginning of XXXX and despite this, they went ahead and called a phone number I specifically told them they should never ever call. They spoke to an unauthorized third party and provided details of the loan and the nature of the call etc. 

I work in consumer lending so I am familiar with what is correct and what is not, and this is not only unethical, it is against the law. I am very upset about this and am seeking some help in getting them to stop these practices. I have warned them several times not to do this or theyd leave me no choice, and they refuse to list the proper address, they refuse to stop calling phone numbers I specifically asked them not to call, and they are causing havoc on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Finance charges are not DECREASING on a consistent basis. Payments of {$90.00} per month are made to this account on the company 's payment due date, XXXX of each month. Automatic Payments are controlled by the company. Payments are higher than the minimum due. NO NEW charges. Have contacted the company by chat on several occasions and they do not acknowledge a problem. 
Finance Charge Statement Date Balance Monthly Daily Days XX/XX/2018 {$2100.00} {$49.00} XX/XX/2018 {$2100.00} {$50.00} {$1.00} XXXX XX/XX/2018 {$2100.00} {$49.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$45.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$48.00} {$1.00} XXXX XX/XX/2018 {$1900.00} 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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Receivables Performance Management continues to violate federal consumer law. 

Receivables Performance Management deleted a inaccurate account from my credit report and then re entered the account back on to my XXXX credit report. As I have stated before, I have no idea who Receivable Performance Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.Also, they are reporting that I have a balance with them as of XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Managementas third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Receivables Performance Management XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C.

9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2018-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my 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 non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Quality Lenders Inc
State: TX

Complaint narrative:
XXXX This company keeps on calling me spam messages and I keep on blocking them and they keep on calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
This is a charge off account with XXXX XXXX as they are now calling me and asking me for my social security number for verification which I am not at all about to give to someone I do not know at all. They have no right at all to be asking me for this information as again I am refusing to provide such info to them.

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