vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: TN

Complaint narrative:
I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 

Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 

I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Constant calls throughout the day. At least 6 calls per day and when i answer the phone, they hang up! Never ever do i get a recording or person when i answer the phone!! Its very annoying and it is harassment!!!

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 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
These are all pieces of Junk mail I have received from Chase Credit Card, all the agents in the mail they have mentioned are not reachable. 

They make it like that, so that the customer scratch their hair away from their heads, and chase have purposely transferred all of their call centers to Non English speaking nations so that the customer gets fed up of the Call center representatives and hangs up the phone, now everyone does n't know about consumer finance website and how to go to court to get their problem solved, so chase is taking advantage of that. 

In one of the letters I was asked to contact " XXXX XXXX '', and given a case Number " XXXX '', but when I contacted on the phone number given, XXXX was not over there and the representative did not need my Case Number, she asked for my account number, so why was this case number given at the first place? 

On the second letter you can see - chase gave me a duplicate credit and said they are correcting it by reapplying it but instead they reapplied the charges two times, giving me no credit at all, here are the charges - {$100.00}, {$100.00}, {$140.00}. 

Now there was a letter from chase to contact " XXXX XXXX '' for the charges - {$47.00}, {$170.00} and {$720.00}, but whenever I called the number, he/she were never available, nor I received a callback from this guy. 

I recieved a letter from executive office, I contacted them but there was no response at all, nor even a courtesy callback, there is no respect for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GREAT LAKES
State: IN

Complaint narrative:
XXXX RAN MY CREDIT WITHOUT MY PERMISSION IN VIOLATION OF F.C.R.A, CALL MY CELL AND WORK AND XXXX AT WORK. 
REFUSING TO SETTLE MATTER OUT SIDE OF COURT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IA

Complaint narrative:
I became late on my payments last year. Nationstar offered me a modification. I accepted even thought it would extend out the 20 out of the 30 years I hade left to 40 years. My intention was that I would pay on time for 2 years and refinance out of Nationstar. Then I found out that Nationstar closed my mortgage/note 5 years ago when I was in bankruptcy even after I reaffirmed and have been making payments. So I stopped paying to find out why and what could be done. Who pays 40 years on mortgage that can not be refinanced because it doesnt exist and you may never own it in the end or you think you have it paid off just to be told that you owe more money? I tried to refinance it sooner and that is how I found out there is no note. So then the foreclosure process has started. It has only gotten to their attorney filing papers and requesting it but a judge has not signed off yet and I have denied all claims because I want answers to their claims. Well, I have found a way to pay off my loan ( through my employer ) and in the pay off request they added {$30000.00} fees to my pay off. In XXXX my loan was at {$110000.00} in XXXX it went to {$110000.00} and the payoff for XX/XX/XXXX is for {$130000.00}. I bought this home for {$130000.00} in XXXX of XXXX. I was given a XXXX interest rate even with no less of a XXXX from all three credit reporting agencies. I have tried to contact XXXX XXXX at Nationstar who never answers her phone and never returns her phone calls. So this is what I want help with. I want a true buy out. Not the overinflated one they gave me. I want it noted that I am now sending a check via certified US Mail to make a payment of {$6800.00} since she will not answer her phone to take my payment over the phone. If this can not happen then my boss can buy my house for me at the foreclosure auction for half of what they want for a payoff and they can be out that money since Nationstar closed my note in my bankruptcy and they can not come after me for the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Mortgage payment was made to Bank of America on theXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX .They stated on my credit report that my account is 90dys past due date .Maximum Delinquency of 90 days XX/XX/XXXX. 
This information is incorrect and thus affecting my credit

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 2018-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am financing a vehicle via Wells Fargo Dealer Services. I earned a uniquely high interest rate for the auto loan and wonder if my race may have been the determining factor for the high interest rate. I am also wondering why the organization will only credit 3 prior months of overpayments toward the principal of the loan but have been reluctant to apply other prior overpayments. I was verbally informed that this change took effect in the Spring of 2017, yet I do not recall receiving any notification of such change. I used to be able to speak with a Wells Fargo Dealer Services Representative and have them apply all overpayments to my principal balance. I find this to be a bit concerning and would greatly appreciate any assistance and clarity you can gain on my behalf. Thank you for this amazing platform! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2018-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. 

The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. 

I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I enrolled my American Express card into this promotional offer ( see attached for email confirmation ) : use your enrolled Card to spend {$350.00} in one or more transactions in-store at XXXX XXXX or XXXX XXXX or online at XXXX or XXXX by XX/XX/XXXX. Earn XXXX additional Membership Rewards points, one time. 

On XX/XX/XXXX, after the enrollment I made on purchase for {$350.00} on XXXX and received American Express email confirmation that I will receive XXXX within XXXX days. Please see attached. 

On XX/XX/XXXX, after many calls following up with American Express, they refuse to honor the promotion. A disappointing scam as I would not have made the purchase on XXXX if it was n't for this promotion. I 've been with American Express for so many years and this is the first time I 've been so ready to discontinue my relationship with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
To my surprise, After reviewing my credit report through XXXX XXXX, I discovered that DIVERSIFIED CONSULTANTS had added Derogatory marks onto my XXXX XXXX credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
Ca n't close 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 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Authorization has been faxed in starting XX/XX/XXXX, and also on XX/XX/XXXX, and multiple times on XX/XX/XXXX. 

I spoke to a rep from CMS today and I was told they are running about 30 days behind on processing authorizations, as they do not have the staffing to process their current file load. 

What is is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The collection agency XXXX XXXX XXXX is damaging my credit report stating I owe for medical bills. I do not have a contract with them at all.. I sent out a validation letter on XXXX XXXX 2017 asking for verification/validation ... They sent me a letter stating the debt was validated but sent no proof or invoice..I sent out another letter asking for validation with a invoice and have yet to receive a response ... Due to the HIPAA law my rights were violated ... I never agreed for a third party or any party to have access to my information ... therefore this collection agency needs to be removed off my credit report ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX have just disregarded my consumer complaints and have did nothing to correct the situation. I sent a letter requesting that they, Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Please attach a copy of any signed agreement alleged debtor/ Plaintiff has made with debt collector, or other verifiable proof that debtor/ Plaintiff has a contractual obligation to pay debt collector. 
2. 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. 
3. 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 A complete payment history documented from original creditor. This requirement was established by the case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. 
4. 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. 
5. 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. 
6. Provide verification from the stated creditor that you are authorized to act for them. 
Disputing the Debt, I 've also file complaints with XXXX and XXXX XXXX but they have also decided that, they are not reinvesting these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
On XX/XX/XXXX, I tried to transferred {$490.00} ( total charge to my credit card with fees was {$500.00} USD ). 
However, the money never arrived, or could not be received in XXXX as promised. 
Even though, I inquired or called several times the issue was never resolved. 
Then, I tried to cancel using the same online system ( or App ) without avail, and instead I was instructed to call to process the cancellation. 
On XX/XX/XXXX, after I called again I was told that the transaction was cancelled and that I would received my money back. 
But, as of today ( XX/XX/XXXX ) I have not received the funds back. 
Basically, I been given the the run around, and been hand up over the telephone several times, and have felt completely helpless and without recourse. 

MoneyGram Reference Number / Tracking : XXXX Please, help because this has happened several times already, and it is not fair how MoneyGram collects the funds and then takes no action to even let you know that something is wrong ( instead you have to call them! ), and makes no effort to correct the situation ( and, even lies, hands up on you after waiting for ever on hold! ).

Company response to consumer: Closed with explanation