vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase for {$290.00}. I returned the same day and got the amount refunded to my card. On XX/XX/XXXX I still had not recived the refund so I called the prepaid card company and they filed a dispute. I have called everyday to check on this because I really needed the money back. XX/XX/XXXX there was a entry on my statement online " merchant credit hold for review '' they are stating that they recieved the refund frim the merchant but are " reviewing '' the transaction. They say they have up to 7 more days to hold the credit. They will not release the hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
While in my Chapter XXXX Bankruptcy, I had a payment that was to be cured within my bankruptcy along with paying my monthly payments on time every month. I have since been discharged from my bankruptcy effective XX/XX/XXXX. Immediately after my discharge Franklin American Mortgage began to contact me via telephone and mail stating that I was 13 payments behind. I have been going back and forth with them for the past 3 months trying to rectify this situation. I was told that from XX/XX/XXXX - XX/XX/XXXX, I was in default for nonpayment. I then sent them bank statement showing proof of me sending payments from XX/XX/XXXX - present ( XX/XX/XXXX ) and every payment was accounted for. They even sent me a transaction history showing and verifying payments for every month they said that I did n't pay. This has become very stressful to me and my family and I am at the end of my rope with this company. This company is incompetent and horrible at handling mortgages. Instead of someone speaking to me to figure out what is going on they all are telling me that I have not made 13 payments regardless of the proof I sent them or even the proof that they have sent to me.

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 2017-07-20 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: MS

Complaint narrative:
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: MS

Complaint narrative:
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX c- XXXX XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

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 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
XXXX of XXXX I tried to make a payment but case was closed because my attorney failed to make a modification. Ditech/Greentree filed a motioned to lift the automatic stay, because I missed two payments but, one of the missed payments was my attorneys fault which raised my payments 60.00 more, but stay was lifted. I found out months later from the trustee that my attorney without my knowledge had surrendered my home the year before & then applied for more money! but was denied. The trustee told me that I had around 7,000.00 at her office. I asked Ditech if they would accept that & modify my loan, & my husband a ( veteran ) had offered to take out a VA loan if it would help us keep our home, but they refused & said that I had to have XXXX before being considered! Previous to this we hired XXXX XXXX XXXX to lower our interest which was at 10! /2 % for 20 years we owed almost what we gave for it! Our payments that went from XXXX to XXXX from Bankruptcy. I had applied on line for a modification which is '' '' STILL BEING REVIEWED, '' '' today! We hired another attorney which shows on the NDC summary a modification to the plan was made the day before MY HOME WAS SOLD which was XX/XX/XXXX!!. Last year my attorney was arrested & yesterday he & his paralegal were arrested for XXXX, Yesterday we GOT EVICTION NOTICE!! .. Is there anyway we can stop this due to No counsel?? asap ... they are kicking us out Immediately!! Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I received notice that Commonwealth Financial was added back to my credit report after being disputed and removed twice. They have also changed the date of the collection to XX/XX/XXXX. This is illegal re-aging of an account! I have disputed this company twice from my credit report and they have removed the file, only to re-age it and add it back a few months later. It was removed XX/XX/XXXX and also again in XXXX of XXXX. This is the same account that they are continually re-adding back to my credit reports. I am tired of having to dispute them and then they illegally put this account back on my credit reports but with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: DISCOVER BANK
State: MS

Complaint narrative:
My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX  XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX.
1 ) A company sent a box to me with no NAME of the shipper on it.
I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME.
2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card.
3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them.
I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence.
4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people.
DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand.
However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary.
6 ) I requested ONE sample for {$4.00} shipping.
I was charged NINE times totaling {$560.00}.
I returned everything, unopened, unused.
DISCOVER will not credit my account for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of LVNV Funding ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/XXXX I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or aroundXX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/XXXX I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX case numberXXXX XXXX-was paid in full in the amount of {$3700.00} on XXXX XXXX, 2017. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. Account # XXXX-Account XXXX Account representative XXXX XXXX stating that I owe XXXX XXXX XXXX {$3000.00} even though the balance of {$3700.00} is paid in full on XXXX XXXX, 2017. On XXXX XXXX, 2017 the Superior court of XXXX XXXX Acknowledgement Satisfaction of Judgement that the balance to XXXX is paid in full. Therefore, this debt should be removed from all Credit Bureaus XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX  account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the 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 2017-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: IL

Complaint narrative:
At approximately XXXX on Thursday, XXXX XXXX, a gentleman by the name of XXXX XXXX contacted my fiance on her cell phone. He said he was calling from XXXX XXXX XXXX and asked to speak to me. She informed the collector that I was not available. He then asked her if she wanted to discuss the matter. Without having her verify my info, he actually provided it to her ... He proceeded to tell her about a debt that I owe to XXXX XXXX regarding a XXXX XXXX account. She offered to make payments of XXXX dollars monthly and he told her that that amount was not good enough and that it would take forever to pay off. He then told her about other things that I was making payments on that seemed to be in good standing and could n't understand why I could n't be in good standings with them. My fiance was upset and did n't understand why he was bullying her about other bills. He disclosed my information to someone who is not even on the card and has no affiliation to the debt owed. He violated my rights and upset my 6 month XXXX fiance who was just trying to get us back on track with payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but XXXX XXXX XXXX, but the account was closed per XXXX before because of XXXX allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv Funding LLC has put the amount of {$260.00} on my XXXX credit report as a debt owed to a XXXX XXXX card in my name opened in 2011. I disputed it with XXXX and the attached is what i got as a result. I contacted LVNV and they told me to file here and mail this dispute to them notarized. I have not had a XXXX XXXX card until about 3 months ago and have no recollection at all of this debt from 2011. I need this to be taken off my XXXX report as debt owed as I do not owe this amount and it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC.
State: IL

Complaint narrative:
I received a medical bill addressed to me but the patient is an ex boyfriend XXXX XXXX. date of service on bill X/XX/17 amount of bill {$1700.00}. I called Professional Account Services where the notice came from and told them this is not my bill. They said I was Listed by the hospital as his spouse and am. I advised them not Married they told me I would need to straighten it out at the hospital. I then called XXXX Regional Medical Center and have left several messages with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In a notice dated XX/XX/XXXX, I was informed that previous payments for my Income Based Repayment plan were miscalculated, resulting in overpayment totaling {$1800.00}. The letter said no further action necessary because it had been credited to my account. I called XX/XX/XXXXin an attempt to retrieve that " credit '' but was told it was already applied to my account. I asked if I could have it reallocated to a different loan they serviced and was told it could only be applied to a federal loan. I had no choice in how this was distributed. I 'm on an IBR plan because I ca n't afford to make standard payments, so obviously, I would n't be overpaying if I had a choice. 1/3 of my income goes to student loan payments. I ca n't find any language in any of my terms of service regarding overpayments when it is the loan service 's miscalculation. I sent a written request on XX/XX/XXXX that they issue a reimbursement check. I have had no further contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Interstate Recovery Service, Inc.
State: OK

Complaint narrative:
In XXXX 2016, while living in XXXX I received a phone call from a woman in my hometown XXXX. She was trying to sell me a magazine deal paying {$40.00} a month with the reward of {$250.00}. I told her, while busy at work I was uninterested bc I was a single mom of XXXX & do not read mags nor have the money for it. She then went into how she also had XXXX daughters as far as where they graduated from & that she could get me the {$250.00} coupon for shopping online if I just paid the shipping/handling @ {$4.00} for XXXX kids mags for my boys. Due to being in a hurry at work & her convincing me there were no attachments I paid the {$4.00}. After never receiving the mags or {$250.00} coupon, a month later I was charged {$40.00} from XXXX XXXX XXXX. I called and spoke with a guy named XXXX. He then argued that I had 7 days to cancel upon that first call & bc I did n't was attached to a 2 year subscription of mags. I stated that I never signed anything, I never agreed to anything. How could I be attached to a plan I never signed or agreed upon with anyone. I argued & fought and said he was actually helping me, said he 'd note that I had 2 months to come up with the money and that he 'd lower the pay to {$20.00} a month. In the mean time I left my purse at a restaurant a few weeks later and had to get all new info. When XXXX 2016 hit and my card did n't work the phone calls began, I even got cursed at by a guy all the while I had told him everything all over again. My apartment had flooded, I had since moved and my apt had forwarded my new address. I spoke with 3-4 different people and I kept stating if you listen to all previous phone calls, which you state you have, you will know exactly what has happened. Each and every time someone new would call they said they never had trace of previous phone calls, they were horribly mean and after arguing I 'd end up crying or hanging up bc I did n't know how this was possible. They 'd state this was my fault and I needed to pay, after that went on I begin to get letter after letter stating I owed {$340.00} for what was remaining. I have had hundreds of phone calls from collectors stating they 'll accept {$200.00} to get rid of it all. The final letter I have received is from them stating I owe the {$200.00}. I owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Receiving automated/robocalls from XXXX onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Went to voicemail and automated call left a message saying they are Sequim Asset Solutions, LLC ( might be mispelled ) and they are trying to collect a debt. The first part of the message is cut-off so do not know who they are trying to contact so they could be trying to contact someone else since the number is somewhat new. I have never heard of the company and do not have any debts they could be calling to trying and collect on so it sounds like it could also be a scam to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation