vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I had received a voicemail from XXXX XXXX and Case # XXXX to call ( XXXX ) XXXX about a claim she had on her desk. 
I called and it was answered XXXX XXXX XXXX ( ARA ) and my caller ID said the call was from XXXX, IL. I was transferred to XXXX 's extension and was told I have an outstanding debt matched to my SSN from XXXX XXXX and they were attempting to collect. I told her I live in CA, have since XXXX, and XXXX XXXX is an east coast bank. I told her I had NO knowledge of this and she transferred the call to their Legal Dept. 
The person in legal had my personal information and said they had a court order to collect, freeze my current finances and sue me to collect. This person was NOT very nice at all and spoke to me as if I was just another liar with memory loss. I had told this person I had NO knowledge of this. He said they have the law on their side and WILL collect and advised I seek legal counsel. 
I asked the time-frame of this alleged debt, he said it was from XX/XX/XXXX and the last activity was in XX/XX/XXXX.  They claimed that ALL attempts to contact me have failed and gone unanswered. I NEVER received anything to the contrary by mail, email or telephone. I wished him good luck and immediately ended the call. Mind you my phone number is unpublished as well. 
I feel this is some sort of SCAM and will NOT have any further contact with ARA. There is NO such debt on my current credit report ( XX/XX/XXXX ) and feel this is a SCAM on all levels. Hopefully this fraud can be shutdown in its tracks before somebody is actually convinced of this SCAM and actually suffers monetary loss. 

XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: VA

Complaint narrative:
Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar actions shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. AFNI has not provided this information, nor have they validated this account after being requested to do so. This account is being reported as " meets FCRA requirements '' when it does not. I have no knowledge of this account and I demand it to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunuon is showing a collection item on my credit report however I have never had a contract or agreement with the company listed XXXX XXXX XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement

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 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. 

I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. 

I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote my first letter and mailed it certified delivery to XXXX XXXX and requested full validation  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 
I received no response so I wrote a second letter to XXXX XXXX and mailed it by certified delivery on XX/XX/XXXX ( see attached supporting documents ). 
It is now ( 8 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX this company is in violation, they are out of compliance. 
Under advise, I wish to informed XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

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 2018-08-01 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX when I realized someone leased a vehicle in my name. 

They signed my name, and a vehicle was delivered to this person. 

XXXX XXXX had me sign a letter stating that I became aware of the lease the day I went to the office. 

They stated it would be taken care of in house. Thy even offered a vehicle to me but I refused. 

I stopped receiving mail for a while. Recently Ive noticed it is on my credit report. 

The signatures are not my signature on the initial application, the application had a co signer initially on the first application, then they used me solely on the application. 

My job information is incorrect, my income is incorrect, and the contact information is incorrect. 

Nothing has been done from XXXX XXXX XXXX or Honda Fonancial Service. They allowed someone to fraudulently use my information without me being present. I helped them obtain the vehicle by locating it through parking tickets. They did not take any of this into consideration. 

They left me with a large bill. Lease number is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Our house burned down, in XX/XX/2017 fires. Mortgage company is not releasing funds, and we may lose our builder, even though house is more then 50 % done. They won't let us talk to a supervisor, and they won't fix the problem. Why do they act this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
THE FCRA, Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account states on my credit report that it meets FCRA requirements when it does not. The collection agency have been requested in writing to validate this account in which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: FL

Complaint narrative:
I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( XXXX ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and XXXX XXXX You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.

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 2018-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RMB, Inc.
State: NC

Complaint narrative:
XXXX is showing a collection item on my credit report however I have never had a contract or agreement with the company listed RMB INC XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an XXXX Checking account with 5/3 Bank. This account does not allow overdrafts, nor will it charge overdraft fees. On XX/XX/2018, 5/3 Bank allowed 2 different companies to debit my account totaling {$1400.00}, when there were no funds in the account at all. To top it off, I have nothing to do with either company that charged me, and the transactions are fraudulant. 5/3 Bank PAID all 3 transactions, even though there isn't overdraft coverage, and they game me a hard time filing a dispute with them to get my funds back. 

I requested that they give me my funds back and file a dispute, and they gave me a hard time. I am having to travel due to a family illness and needing to take care of a family member over 800 miles away and can not until I get my funds back. It is possible that I not get to see this family member before they pass as 5/3 Bank has refused to expedite me getting a " provisional credit '' back for those funds, and advised me they can not give me a timeframe for if and/or when I will see my money again. I contacted the Office of the President, who then advised me it could still take DAYS to get my money back and that they can not control how slow/fast other departments work. 

No one at 5/3 Bank can advise me why they PAID transactions without funds being present in the account, especially since there isn't overdraft protection on my account. Even if I wanted to add that coverage, I can not as the specific account I have DOES NOT ALLOW OVERDRAFT COVERAGE. They LITERALLY gave my money away when they weren't supposed to and threw a fit with me when I wanted to dispute the transactions. Now, I may never get to see my family member alive again because they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Ameritech Financial
State: CA

Complaint narrative:
I have an account with Ameritech financial, from XX/XX/2016, which I am informed, doesn't apply payments to student loan. I received a letter from the FTC, on how to correct this, with the possibility of a refund of payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: OH

Complaint narrative:
All 3 credit bureau 's but more so Experian in recent attempts to remove duplicated reporting. A charge off debt means the original creditor no longer owns the debt. It has been sold to a second party for collections. However it is reported as charge off from the original debtor it is not reported zero owed for some accounts. Any and all charge offs means sold so the balance owed needs to state zero owed to them as it is owed to the sold party collector. The bureau has not in a few attempts to correct it through the dispute process within the last few months of 2018. I also tried in an attempt to contact the bureau but have found no contact number to discuss with any employees.

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 2018-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a best buy credit card, citibank, since XX/XX/XXXX. I recently noticed that the balance of my credit card was not reflecting the different payments i was making. I made my investigation and realized that i was been charged a debt collection fee, that I didn't sign up for and that i wasn't aware of. I was more likely enrolled without my knowledge. I called the credit card customer service on XX/XX/XXXX, and asked for the service to be canceled, and i requested a refund at the same time, because i was enrolled in without my knowledge. I receive a pdf document on XX/XX/XXXX, notifying me of the successful cancellation, and i second document on XX/XX/XXXX, informing me that my request for a refund was denied. 
All i need is to get a full refund of my money, because i was not told about the enrolment, and neither did i give my approval to have it on my credit card.

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 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my experian and XXXX as late when i never been late.

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 2018-08-01 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: TX

Complaint narrative:
I have made XXXX attempts to remove erroneous and inaccurate names and addresses from my Experian Credit Report, but every single attempt has been ignored by Experian. 

My first attempt was via phone on XX/XX/2018. The representative had a heavy foreign accent which was incredibly hard to understand, and she said she could not remove the names and addresses from my report. Also I requested to have my employer and phone number deleted, which was deleted, but then immediately added back to my report. 

Since then I have mailed in XXXX letters disputing the erroneous and inaccurate information. I also provided a copy of my Driver 's License and proof of address. ALL XXXX requests were ignored, and as of today the erroneous names and addresses are still reporting to my report. The dates of disputes are XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

I have also disputed XXXX collection accounts that I have no knowledge of, and I would like them to be addressed. It's obvious they have a superficial process for " verifying collections '' otherwise these accounts would not still be on my report.

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