vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Members of my family and I have been receiving numerous threatening messages from a  Law Office  in regards to a claim or debt that according to them I owe.   XXXX   XXXX   continues to call numerous times and leave messages with the name of my mother or sister and myself.  XXXX  and others have called family members in other states as well as my immediate family and discussed random monetary amounts that according to them I owe. My consumer protection rights under the FDCPA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: College Ave Student Loan Servicing, LLC
State: NY

Complaint narrative:
I chose to refinance my student loans wit h College Ave l oans. They ultimately used  XXXX  as the refinance company.  <P/> CollegeAve/ XXXX  disbursed the payment and started accruing interest on   X/XX/17  a nd my previous provide r (   XXXX   XXXX   )  received/processed the payment o n  X/XX/17 . Ther e was a six day window where I was being charged interest in both places,  XXXX   XXXX  and  XXXX .  <P/> I have calle d College Ave about  once a month since  XX/XX/XXXX  when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this.  <P/> CollageAve/ XXXX  must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Rent Recover, LLC
State: GA

Complaint narrative:
I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment

Company response to consumer: Untimely response
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
My name is XXXX XXXX. I own my house XXXX XXXX 1998 and never missed a paiement. Recenlty my mortgage loan has been sold to a new company, Volunteer loan mortgage servicing. It has been more than 6 months and this new company havent reported my mortgage loan to the credit bureau and it is hurting my credit report. I told them about the issue and they promise me that they would fix it but still nothing. I am applying for a home loan refinance but when my credit report was pulled my mortgage loan did not show. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I was closing my checking account in  XXXX    XXXX   and stopped electronic debit. I made a phone payment from my new account for the  XXXX  payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the  XXXX  payment. I set up automatic debit from the new account for The  XXXX  payment. The mortgage company tried to withdraw from the closed account on  XXXX   XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the  XXXX  ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GFS, Inc.
State: MO

Complaint narrative:
XXXX   XXXX , with Shaffer Law,  XXXX , has called my place of employment 2 times in 2 days. The first call,  X/XX/17   ,  XXXX , asking for myself-  XXXX   XXXX  . I was on a phone call with a customer. The second call,  X/XX/17   ,  XXXX , he asked to speak to  Human Resources. H e asked the HR person questions, and wanted to know when I started working at my place of employment. I have already entered a dispute on the collection they are looking at. Yet, they continue to call my place of employment. I called  XXXX , and verified his name and correct spelling, and advised him- " I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I will be reporting your agency for this violation. Do not call me at work again. " I am working on my credit and taking care of thikgs as I can, but as I said I had already started a dispute when this  XXXX  called my HR co-worker today. I do not appreciate the harassment and embarrassment at my work, nor is it legal. I want action taken against this company.   Thank you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Mo  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I previously disputed this debt with ICS SYSTEMS o n   XXXX   XXXX    2017  via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now  XXXX  which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!

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 2017-04-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC.
State: MI

Complaint narrative:
Another payday loan scam threatening legal action. A company called  2  or 3 months ago stating I owed a supposed debt from 4 years ago. I knew I did not, scoured bank records to prove it, and proved the debt never existed. The company that called today said it was a debt from the same day, but a company with a completely different name. I stated my stance, that its already been researched and proven nonexistent. I asked for company information to pursue formal complaints, "  XXXX   XXXX  '' refused to give me any information, threatened me and hung up. I filed multiple complaints with the  XXXX  and state attorney generals and this company called again. I warned them that I had already filed complaints against this false debt and to remove my number from their system.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC.
State: CA

Complaint narrative:
This morning my   XXXX  year old  mother and daughter in college got calls from these scumbags saying I was going to be arrested and they where looking for me or my family has a chance to settle the debt before I go to jail.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have an account with  PayPal  that has been locked because of a dispute for faulty merchandise. I followed all the  PayPal  steps to unlock the account to include sending a copy of my government issued  XXXX  card. Now PayPal is saying that is not good enough. PayPal wants me to send a copy of my  XXXX  card statement with the full account number. ( For security reasons the  XXXX  card statements do not include the full account number  XXXX  PayPal also wants a copy of my drivers license. They claim the  XXXX  card is not a valid government ID. Plus they want me to fax it to  XXXX .     I have spoke with  XXXX  card who advise for security reason not to send such information.     My concern is they will hack my account and steal my identity.

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: MD

Complaint narrative:
I keep getting phones from  Delta Management , foreign man : who calls just about everyday, home number, cell number and work number. I ask him who he is representing, cause I do n't owe anything to  Delta Management , but he refuse to say until I verify my personal information with him. I refuse to verify my information, cause once again ; I do n't know who he is representing. Also, I have had some of my social media ( facebook friends ) call me or text me to tell them that this man has been calling them to ask about me and my personal information. He would ask them where I work, where I live and do I have any other phones number to be contacted on. I do n't even see these people or talk to them on a regular basis and I felt bad that he has bothered them. So I did put a fraud report on facebook for this company.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Submitted a dispute online and experian refuses to delete all incorrect address along with names that are incorrect

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 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I requested TransUnion to verify and send proof of verification of an charged off account that is reporting on my credit report back in  XXXX  of this year. My results ended in verified and meets FCRA requirements but I did not receive the paperwork or verification in which they used to verify this account. They also re-aged the account that was to fall off my report  XXXX  to stay on until   XXXX  , Reaging of an account is against FCRA requirements. 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.     I would like to have this account removed from my credit report as they have violated so many FCRA requirements of my credit report, I also would like a UPDATED credit report reflecting that the account has been removed.

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 2017-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wachovia became Wells Fargo.
Wachovia r  emoved $ from timed deposits to create  2  checking accounts without consent.

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 2017-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been dealing w/Equifax,  XXXX  and  XXXX  for the last six months regarding four accounts that are presently on my credit report. I have provided information to Equifax which advises me that they obtain their information from a third party agency. I obtained the third party division that that Equifax,  XXXX  and   XXXX   advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however Equifax.  XXXX ,  XXXX  continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have been in the middle of loss mitigation with  Bank of America but  they have filed a foreclosure lawsuit on me on   XXXX   XXXX   XXXX    . Please find the attachment with my complaint and supporting documents.

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 2017-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a  Multiply Inquiry  Removal Letter  On   XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquires, that were being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request submitted included  XXXX  hard inquires that were not factual and I received the same response for all inquiries, which was " Inquires are a factual record of file of access. If you believe this was unauthorized, please contact creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response  XXXX  days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I noticed that I had a debt collector on my credit report. But I had insurance at the time of the visit. So, I hired me a consum er investigator to look into the debt and why is Business Professional Services is on my credit report. Aft er the research was done it was a medical bill with  XXXX   XXXX   XXXX . So, a visit was made to the clinic to find out why did I have a medical bill on my credit report. They looked into their records and found out the bill was actually paid by my insurance. Now, I the collection company will not remove themselves from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase incorrectly rebilled a charge for {$4000.00} back onto my account. I submitted a complaint. They responded to me and told me they were looking into it. In the interim, they 've charged me a late fee and over {$150.00} in interest. It 's been a week and a half since I was told they were looking into the issue and I have left several voicemails and send several emails to the person at the Chase Executive Office who  contacted me, and have not heard back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax I am NOT Equifax customer.     I am not Equifax customer and I do n't remember I ever registered with Equifax, IF I did I do n't think I will share with Equifax with my personal information like " STUDENT LOAN THINGS with Equifax.     Equifax provided my personal financial information a widely with third parties without my permission.     I contacted Equifax this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted Equifax and requested a dispute my credit report, Equifax asked me security question " like how much student loan do you have, and who is the loan provider?     The Equifax NOT my student loan lender, this not Equ ifax business,  and again I do n't remember I did share my student loan information with Equifax, again I dont want to share my student loan information with Equifax, so I refused to answer Equifax 's security QUESTION which related to with my personal financial informations. And Equifax said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request  XXXX  to dispute my credit history from the   XXXX   website.       XXXX   I am  XXXX  customer.     I am request   XXXX   to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.       XXXX   provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request  XXXX  to contact me first before provide my credit history to THIRD parties

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Accepted a student loan for the spring of   XXXX   on   XXXX   XXXX   XXXX  . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On   XXXX   XXXX   I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in   XXXX   XXXX   stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  XXXX  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In   XXXX   XXXX  , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in   XXXX   XXXX   and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the   XXXX   XXXX   XXXX   did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in   XXXX   XXXX   despite me making a timely payment. So I sent another  XXXX . I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XX/XX/XXXX , and they said they are still reviewing the information, and I should hear back in a week.

Company response to consumer: Closed with explanation