vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Upon viewing my credit report, I noticed that  Westlake Financial Services  had placed on my credit a  XXXX  separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from  XXXX  ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early  XXXX    XXXX  , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a call from XXXX XXXX. The XXXX XXXX. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a Discover Card. I told her I did not have a Discover Card. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Diversified received a letter from me on XXXX-XXXX-2017. I asked for validation, bearing my signature, that I had contractual obligation to pay them. All I have received is a bunch of papers from an old XXXX account. I have never entered into a contract with Diversified. They have failed to supply me with sufficient evidence and they failed to place a dispute comment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Equitable Acceptance Corp
State: IL

Complaint narrative:
XXXX XXXX used Equitable Acceptance to finance a loan which would cover their administrative services to be the surrogate company to make payments to the XXXX XXXX XXXX XXXX on my behalf. I thought they were associated with the XXXX XXXX XXXX XXXX because of the introduction that I do have attached. The letter was deceiving. Consequently, I received multiple letters from XXXX XXXX that I was not making payments. I told XXXX XXXX that XXXX XXXX said that I was paying them to pay the XXXX XXXX XXXX XXXX, and XXXX XXXX said that is not happening. XXXX XXXX on my permission looked into my account : I had security questions that I did not know the answers to and I had false information about who lived in my household ( It was suppose to be one, but it was more than one ),  and so it looked as if information was falsified to bring my payment down. XXXX XXXX said that I do not need third party companies to do any administrative work because I can do so on my own. So I had the impression from XXXX XXXX that they would make payments and do the administrative work on my behalf. However, I have been paying off and on both XXXX XXXX and XXXX XXXX payments. XXXX XXXX has been an unnecessary middle man, and I have already paid them over {$800.00} over the past two years when that could have gone towards my student loan debt. I have contacted the office of the Attorney General Consumer Fraud Bureau and XXXX XXXX have not replied to them from my knowledge. I do have the most current Attorney 's letter attached, and the Attorney has told me to seek legal counsel, which I have not done yet. The problem is that the finance company, Equitable Acceptance, has placed a credit line on my credit report, so if I do not pay it will reflect badly on my credit report. I want this to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
XXXX XXXX -I was month to month on a lease of a house. The owner of the home switched Property Managers and they wanted a 12 month lease and an increase in rent. I declined and moved to a new address that would not allow satellite tv. I talked to several people at XXXX XXXX including supervisors who stated as long as all of the equipment was returned I would not be charged a cancellation fee. However a cancellation fee was applied. I never received notification at my new address but is now reported as a collection account on all XXXX credit reports. XXXX XXXX and Debt Buyer refuse to help. Convergent is the debt buyer.

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 2017-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC
State: IL

Complaint narrative:
I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
On my credit report, Cre dit Bureau of the South i s showing as a collection in the amount of {$70.00}. I sent a letter to them, which they received on  XXXX -2017, requesting validation of this account, bearing my signature, showing that I have some contractual obligation to pay them. They later responded to the dispute from a company called  XXXX   XXXX   XXXX . And only forwarding medical statements, and no signature was included. They also failed to mark my credit report with a disputed remark within thei r 30 allo wable days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a retail credit line with XXXX XXXX through XXXX XXXX. for 2 years and 6 months straight i never missed a payment. On XX/XX/XXXX somebody used my identity and maxed out my credit card with XXXX XXXX ( {$1300.00} ) I called XXXX XXXX to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute XXXX XXXX sold the account to a collections agency named Midland Credit Management. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a XXXX Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: MA

Complaint narrative:
SUMMARY OF EVENTS ( Please see Appendix for more detail. )   XXXX   XXXX   XXXX   was hired to replace  5  double hung windows and  1 pic ture window.  XXXX  installed the 5 double hung windows however the correct picture window was ordered incorrectly by the company. The company scheduled an install date for the correct picture window however  XXXX  went bankrupt before the installation took place.  Green Sky  financed the job and is trying to collect the full debt although the job was never complete. I 've gone through the proper steps to dispute this debt ( twice,  Green Sky  lost it once  ) with Green Sky  because they are aware of  XXXX  's closure. They " reviewed '' the dispute and denied any correction. They never provided verification to proof the debt and they are reporting my debt to collections even though it is under dispute and they have been notified by my lawyer of their representation.  <P/> As you can see in the attached References - the total cost of the window installation was {$7200.00}  (  REF 'A ' ).  Reference 'B '  illustrates the upcoming planned transactions outlined by  XXXX   .  The plan was followed correctly and the down payment of {$720.00}  ( 1 0 % of  XXXX  ) was made on  XX/XX/XXXX  ( as shown on  REF 'C ' ). T he first GreenSky transaction was to take place at the time of " Scheduling '' ( as shown on REF 'B ' ).   As you can see, the transaction took place on  XX/XX/XXXX  ( REF 'E ' ).   The final transaction of {$2800.00} was to take place upon " Installation '' ( as shown on REF 'B ' ). As you can see, the final transaction was {$1600.00}  ( not {$2800.00} )  and took place on  XX/XX/XXXX  ( REF 'F ' ).  XXXX   XXXX , Supervisor at  XXXX , negotiated {$1000.00} off of the total purchase price as a result of the FIRST failed attempt on ordering and installing the correct picture window. There was an additional {$200.00} reduction ( total of {$1200.00}  )  because we opted not to wrap our window sills in aluminum.   {$2800.00} - {$1200.00} = {$1600.00}  (  REF 'F ' ). This is the final obligation of funds even though the work was not completed again on  XX/XX/XXXX  on the second attempt of installation ( REF Eve nt 7 ).  The third installation attempt was scheduled for  XX/XX/XXXX  ( REF 'G ' ). This event never took place and we were notified on  XX/XX/XXXX  of  XXXX  's apparent closure. The correct picture window was never installed by   XXXX   XXXX   XXXX   because the company went bankrupt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX of XXXX I opened a retail credit line with JC Penny through Synchrony Bank. for 2 years and 6 months straight i never missed a payment. On XXXX of XX/XX/XXXXsomebody used my identity and maxed out my credit card with JC Penny ( {$1300.00} ) I called Synchrony Bank to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute Synchrony Bank sold the account to a collections agency named XXXX XXXX XXXX. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a JCP Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.

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 2017-06-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within the ir 30 al lowable days.

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 2017-06-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30 a llowable days.

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 2017-06-01 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: WI

Complaint narrative:
I submitted a dispute to Experian on  X/XX/17   , for reporting inaccurate information on my report. I stated that the debt does n't belong to me and I also do n't have a contract with the collection agency verifying the debt is mine. The amount of the collection is {$1200.00} from    XXXX   XXXX   XXXX   XXXX  .  Account #  XXXX . The dispute has come back  3 b usiness days letter,  X/X/17   , stating the account was verified. I am positive that Experian did not reach out to the collection agency requesting verification of debt and received a response within  3 busi ness days. They also did not provide physical proof of what was used to verify the debt.

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 2017-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services

Complaint narrative:
I currently have a hold on my account due to overdue payment with th e ACS for m y loan. I am trying to make a payment to the account ; however, I am unable to register for my account becaus e ACS we bsite states that it does not recognize my social security number.     Since my account could not be registered, I am still unable to view the amount that I have to pay and pay for it. I have been contacting ACS, yet I am unable to get a hold of them.     I urgently need to get rid of the hold on my account because I need to order my official transcripts to register for my   XXXX    XXXX  degree and my job.     yet, it seems like I wo n't be able to have my   XXXX   XXXX   and job due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage  Sevice  and spoken to  three  representatives  (   XXXX   X/XX/17   ,  XXXX    X/XX/17    ,  XXXX   X/X/17     )  had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I have been comparing credit card offers and came across the Chase Sapphire Reserve card. After reviewing the information about it, I had a couple questions. One imparticular was that I noticed reward points are worth 1.5x their value if redeemed through the Chase travel site. I was curious as to whether or not the same rate would apply to cash if booking a vacation through the travel site. I searched through the offer details and the pricing & terms for clarification. Unfortunately, I was unable to find any information in regard to my question. I thought it would be best to check with Chase Bank directly so that I 'd know for sure whether or not I wanted to apply. At approximately XXXX XXXX central time today,XX/XX/XXXX, I called to inquire about it. The representative was unsure of the answer, so she asked if she could put me on hold while checking. After a few minutes, she came back on the recorded line and assured me that the same preferred rate applies to cash if I 'm booking through the Chase travel site and have a Chase Sapphire Reserve card. I figured that benefit would get me over the fence about applying since I 'd save enough on annual travel to make up for the {$450.00} annual fee. Immediately after I got off the phone, I applied and was instantly approved. Upon being approved, I logged into the Chase travel site under my new Reserve card only to find that I had been lied to about the cash rate. There was absolutely no discount on the cash value, only on the point value. I called Chase back at XXXX XXXX and was then told that the special rate only applies to points. I even spoke with a supervisor and explained that this feels like a bait and switch method to get me into the card and collect the {$450.00} annual fee. His response was that I had agreed to the terms and conditions and that I should have reviewed them more thoroughly. I explained that I did read through that document and the offer details, but could n't find anything in regard to my question and thus the reason for the initial phone call. Still, the supervisor tried to lean on the terms and conditions document.
<P/>
If, in fact, the terms and conditions document did contain any information in regard to my question, it was well hidden. Not even the supervisor could find the detail when asked! I feel as though this Bait and Switch method of getting me to fork over {$450.00} crosses the lines of UDAAP.

Company response to consumer: Closed with monetary relief