vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I wrote and sent a Certified Letter with Read Receipt for debt validation to State Collection Service on XX/XX/XXXX at STATE COLLECTION SERVICE XXXX XXXX  XXXX XXXX, WI XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that STATE COLLECTION SERVICE provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a satisfactory response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). I asked for the following : 1 ) Agreement with the creditor that authorizes State Collection Service to collect on the alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. Accounting of all charges is required. 4 ) Proof that the Statute of limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges. 6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent. 

On XX/XX/XXXX I sent a second Certified Letter with Read Receipt for debt validation to State Collection Service at STATE COLLECTION SERVICE PO BOX XXXX XXXX, WI XXXX. The communication I received both times as shown in the attached documentation they have provided myself - did not meet FDCPA requirements. 

The documentation provided by STATE COLLECTION SERVICE does not provide : There is no Chain of Title provided that in fact evidences Standing. 

The assignment, whereas, the assignment refers to the contract between original creditor and credit  collection agency, is to be established by a written contract of assignment, which can be established through multiple documents that are incorporated by reference into the contract of assignment. The contract of assignment, however, must contain the information required by the Illinois Collection Agency Act ( ACC ) including the date of assignment, the consideration paid, interest, charges, and all accounting of the matter and the identifying information for the account. 

Illinois Collection Agency Act Section 8 ( b ) ( 225 ILCS 425/8b ) Debt Collection Agency added to this Actrequires written agreement evidencing assignment of debt, recording of assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TX

Complaint narrative:
XXXX XXXX  and transunion has taken more than 30 day for my dispute a violation of the cra sent police 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 explanation
Consumer complaint received 2018-02-21 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: TX

Complaint narrative:
XXXX, equifax, and XXXX has taken more than 30 day for my dispute a violation of the cra sent police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have applied for loan modification and the lender keeps saying will submit it for underwriter review. However, it never happened and they called me again and again for the wrong information. They said they need this and that for complete but they never told me when we follow up. All they said they told me being review. Now foreclosure sale is coming and they tried to delay and said they wont be able to review my application due to foreclosure sale date. I want to try to have modification and keep my house and I am old and unable to move out. They are being treated us unfair way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust bank Overdraft fee charged on XX/XX/2018 Called the customer service line Called dealt with 2 agents and 1 manager, all claiming they could not help with overdraft fee. Website clearly stated in terms and conditions *5 Overdraft and returned-item fees waived three per rolling 12 months. 
Not one of them said that was their terms and conditions, when the manager finally found what I was referring to, he told me that is only for the Signature Checking account and that it was only for 2 fees returned. I explained that it does not say that anywhere on the website and he said well I will pass along as feedback that its is wrong. He said he would not be helping 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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my father called me stating he received a call that this XXXX person said they would be sending the police to his house. 

I called the number back and he stated he talked to me 8 weeks ago and that I said I am not paying, take me to court. 
This never happened. He then stated he knew where I worked, what my hours were and he was sending someone to my job. This was a statement made with no action in regards to collecting on the debt. Just that they would be sending someone out to by job for me. 

I spoke to someone maybe a year ago where they proceeded to tell me everything that was on my credit report and accost me about not paying my debts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.

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 2018-02-21 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: NJ

Complaint narrative:
Today I received a response from Experian CFPB Report number # XXXX On the mentioned report, it states that Experian verified the information as accuarte with the Furnisher. I clearly requested per LAW how you contacted the Furnisher. Time, date and whom you spoke to. I asked for documentation on how you verified this information and Experian failed to provide any information in written to my address. Experian Violated the law.

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 2018-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/ a customer received an item he bought from me on XXXX, he used paypal to pay me Paypal immediately put a hold on the {$77.00}, CLAIMING i hadnt used my account in 6 months. 
On XX/XX/ I called Paypal to release the money, I explained the customer received the item and 3 days had past, Paypal refused to release the money an stated it would be another week before money could be released.On XX/XX/ I called paypal because another item sold and i received an instant payment, paypal didnt hold that money ( XXXX ), when i logged in to my paypal account on my phone it would not let me transfer the money, the option wasnt there to do so.I got online on my computer logged into paypal or tried, paypal website said i needed to prove who i was by entering a phone number when i entered my number paypal said it wasnt mine? And refused to let me sign in.On XX/XX/ i called paypal the agent transfered the XXXX and the XXXX to my bank account, the XXXX went through and the XXXX was reversed again, I called paypal on XX/XX/ paypal claims they dont know why but it will take 3 more days. Paypal is playing games with me there holding customers money to earn interest on the money customers trust them to handle ... this is fraud.Paypal has broken there fiduciary responsibility to me an immediate investigation into there banking habits are needed now. I need my money now, paypal needs to be fined and investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I discovered that there were two collection accounts reporting on my credit reports that did not belong to me. I was never notified about the accounts prior to the accounts reporting. I have filed a complaint against the collection agency and their response was that they would remove the accounts. The accounts were never removed from my credit reports and is still reporting to this day. The accounts do not belong to me and is the product of identity theft. It is very dishonest for the company to say that they were going to remove the accounts and not have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX  in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX  XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: AZ

Complaint narrative:
XX/XX/ received lengthy voice mail message lying about documents that were to be sent out -- -they needed asset verification and address verification. Phone screen showed incoming call from ( XXXX ) XXXX. XXXX gave XXXX to call for questions. 
XX/XX/ XXXX  received incoming phone call regarding the above. When I asked questions, caller lied to me and refused to answer any further questions, and kept asking me repeat questioning while I was asking for clarification. When I refused to provide information, caller told me I was wasting her time. I asked that she remove my number from the list and get rid of it ; she replied that she certainly would! Phone screen showed incoming call from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC
State: TX

Complaint narrative:
To CFPB We have previously filed a complaint against XXXX XXXX XXXX XXXX concerning an account they are reporting to the credit bureau for XXXX XXXX. They say I had a credit card with a XXXX dollars credit line they also say I had one with a XXXX XXXX dollar credit line, both are incorrect, I never had a credit card with this company. 
Portfolio says that they will not answer our inquiries concerning this matter as we have made many attempts to verify this matter. Portfolio  has never proved I or any one here has had a card with XXXX XXXX, no, what they have done is send some copy of a bill which the FTC says is not proof that that bill is owed by anyone. 
We have filed this complaint against them because of this inaccuracy and also in filing other complaints against them in XXXX we have found that Portfolio  is not properly licensed in the state of Texas therefore, our attorneys will be filing criminal charges against Portfolio for attempting to collect a debt not owed by me and not being registered in the state.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In the companys response, XXXX XXXX state that they reviewed business records that indicate that the account information it is furnishing to the three major credit reporting agencies is accurate. That is 100 % inaccurate! The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts that are posted on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even accounts that do not belong to me or are not reporting 100 % accurately! 
1. XXXX XXXX and XXXX are showing different date of open account and placed for collection dates with collection agency. 
2. XXXX XXXX and XXXX have different account statuses. 

Per XXXX XXXX, your previous request, the above-referenced account will remain marked Cease and Desist. While it remains due and owing. How can it remain due and owing when you have not properly verified what is due and owing, when there are multiple errors reporting on all credit reporting agencies and per The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the original creditor stated they no longer have the original signed consumer contract nor your company can furnish it? I would like the account to be removed immediately from all three major credit reporting agencies. Also, per FCRA 611, if every aspect of the account is not 100 % accurate it must be immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ 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 2018-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right. 
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i had a issue with XXXX XXXX XXXX i dont owe any balance on the account but they put my account as fraud activity and reported to the consumer reporting agency and i have explain the issue what had happend that it wa a honest mistake my spouse had made he accidently deposit the wrong check and we had called next day to confirm the mistake and the bank of america supervisor had informed us that it should not be any problem it will just get returned check and get an fee. 
few weeks later we got a call from risk dept from BOFA stating that the account will be closed due to fraud activity? but we were informed by the customer service manager that it shouldnt be a issue so im writing this letter. 
please help us solve this issue. 

this was like in 2016 XXXX sometimes

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