vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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: V and H Portfolio
State: NC

Complaint narrative:
was called from a collection agency in Mississippi about a furniture purchase from XXXX told them iknew nothing about this they had absolutely no information about it tried to work with them and gave them all my inf o next thing I was reported to credit beauro I disputed this and was removed approx. 1-2 mons later was transferred to XXXX XXXX andthey reported me and it started all over again tried to dispute again and nothing happened 0n initial phone callthey didn't have any info other than a name no address no social said no initial payment no phone they didn't even know where so called bedroom suit was deliveredtold them we recently XXXX mattress and boxspring and don't put in on a XXXX XXXX XXXX XXXXXXXX isee all kinds of complaints about this outfit something needs to be done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I've been a XXXX customer for over 30 years. 

I currently have a home mortgage that is in default because of my business hitting hard times, an income reduction of approximately 90 % at its worst point and illness which took me out of circulation for over a year. I requested a short sale from SPS and have submitted several offers to complete it. We have had one problem after another with the servicer of this loan ( SPS ), including poor communication, no communication and taking substantially longer than standard practices allow to evaluate and close a sale. As a servicer - SPS should have issued a disposition on our complete file within 30 days. They have violated this standard several times. They need to be held accountable. They have not assigned me a single point of contact. I have not received any notices of such or any acknowledgments of my short sale application/process. 

For example, we submitted an offer to SPS a year-and-a-half ago ( XX/XX/XXXX ). It took SPS nearly a year to evaluate it. During that time the buyer was transferred by his employer to a different city and could not complete the sale. However had SPS moved in a timely manner the house would have been sold over a year ago for {$600000.00}. 

Last week we submitted another cash offer for the property and I was told on Monday XX/XX/XXXX, by SPS, that they would not consider the offer because the auction date is XX/XX/XXXX. 

I am writing to ask you to cancel the Foreclosure sale which is currently set at XX/XX/XXXX and allow the current offer, that we have submitted to SPS as the servicer of my loan, to close. There is no downside to anyone including myself, the buyer, SPS or XXXX of allowing this sale to complete. Please cancel the sale immediately and order an evaluation of this offer. I have done everything in my power to work with SPS not to lose this home to foreclosure. I do not want it to that route- I have supplied all the necessary documents they have requested in a timely manner. Please look into the violations they have committed as a servicer. If you dont, who will? If they had responded in a timely manner the last time we gave them an offer- this would have been a done deal. 

Loan # XXXX SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My American Express card was charged {$240.00} by XXXX XXXX and {$61.00} by XXXX XXXX XXXX. I was not aware of the {$61.00} charged by XXXX XXXX as I had advised them that I had not given XXXX XXXX XXXX permission to use my card. Also, I had called XXXX XXXX  over 10 times to cancel this vacation package. 
American Express refused to initiate these two disputes. Each representative would state a different policy. Also, I was not allowed to speak with a supervisor as all were in a meeting on a Monday at XXXX XXXX EST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Please see attached documents for background information before proceeding. Blue - me, red - landlord, green - police. 

There were 3 separate wire transfers of {$970.00} ( with a {$25.00} wire transfer fee for each ) on XX/XX/2015, and XX/XX/XXXX. Among suspicions of being scammed, I called the J.P. Morgan Chase wire department to help recall the wire transfers on XX/XX/XXXX. I followed up on XX/XX/XXXX to see the progress of the recall. However, I was told that Chase would not be able to send a letter of indemnity to my landlord 's bank, XXXX XXXX, because I was the one who initiated the transfer and this was not under Chase 's definition of fraud. I filed a report with my local police department and have forms indicating that I am a victim of fraud. Today, XX/XX/XXXX, I went to my local Chase branch to see if they can do anything to help me get my money back. The banker told me that they couldn't help me for the same reason - I was the one who initiated the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I've disputed an item reported to ChexSystems by XXXX XXXX  several times in an attempt to get account validation done correctly. Each time ChexSystems has written back saying the information is correct, validated, and to contact XXXX XXXX. 

Identifying information and status listed in this item is not mine and incorrect and they are refusing to delete this inaccurately reported item. 

The Status date says : Unpaid whereas XXXX XXXX  says : Charged Off The reported driver 's license number ending in : XXXX is not nor has ever been mine They are reporting 'NSF Activity ' and have yet to provide any documentation showing as such. 

Also, XXXX XXXX  is actively using a 3rd party collection agency reporting to XXXX, XXXX, and XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX. How can they both be reporting different information to different bureaus and it still be accurate. Two entities can not actively collect on the same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have sent Rash Curtis and Associates 2 verification letters to include that they could legally obtain my medical records from XXXX XXXX. The first one was dated XX/XX/2018. Which I asked for documents showing that they can legally obtain my detailed medical information and verify that I agreed for them to charge 12 % interest on the alleged debt from the original contract. They could not verify that information. I notified XXXX and XXXX  about their lack in properly verifying the debt on XX/XX/XXXX. Sent Rash Curtis and Associates a second letter XX/XX/2018. Again, they were unable to provide the requested documents to show that I released my medical information to them and that they could legally have my information. I have also requested that information from XXXX XXXX. I have yet to hear back. Again, I have sent, today, XX/XX/2018, letters to XXXX and XXXX   about Rash Curtis and Associates and XXXX XXXX  inabilitys to properly provide me with that documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
After reviewing my credit report I have found XXXX XXXX XXXX ( XXXX  XXXX ) is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello, I am writing with regard to a collections account I have with Portfolio Recovery Associates.  They are based in XXXX, VA. The alleged debt is from a XXXX XXXX account that was opened XX/XX/XXXX and charged off XX/XX/XXXX. I have no recollection of ever having a XXXX XXXX card. I have sent several letters and three letters certified mail requesting verification from PRA and have only received one communication containing some statement copies and the charge off notice from XXXX XXXX. They have not provided any record of the account opening or an original agreement with XXXX XXXX. I never received any initial communication from them and only learned of this account when I got my yearly credit report. Furthermore, the address shown on the XXXX XXXX documents is one I have never lived at. My correct address has been on record with the Massachusetts Registry of Motor Vehicles since XXXX. I have disputed the incorrect address with the credit bureaus and it has been removed as inaccurate. I have tried disputing this account directly with the credit bureaus but they allege it is accurate. I'm unsure how they can confirm the address is inaccurate yet confirm an account that has that address listed as mine. Also on XX/XX/XXXX, this account was completely removed from my credit reports. It then reappeared around XX/XX/XXXX causing my score to plummet sixty points. In addition to that, it was listed as closed on my XXXX  report but open on XXXX and XXXX. As of XX/XX/XXXX is shown as open on all three. I have not received any written communication from XXXX, XXXX, XXXX or PRA informing me the account had been put back on my reports. This is the only negative mark on my credit report and all my other accounts are current with a perfect payment history. 

I am also receiving XXXX for XXXX XXXX and XXXX, as well as medical issues including a XXXX XXXX. This has been causing me a lot of XXXX. I have recently moved and will be starting college again in XXXX after a two-year absence due to the above XXXX  and XXXX   health issues. I would like to have this resolved so I can move on and better direct my efforts on improving my health and education. I was hoping I'd be able to handle this matter myself, and have been trying since XXXX of XXXX but to no end. If needed I can provide copies of the documents PRA sent, the delivery confirmation and copies of the three certified letters, a verification of XXXX income, and enrollment in school. I hope you may be of assistance in resolving this. I am submitting a complaint with the Massachusetts Attorney General 's Office as well. Thank you. 

Most sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX My mom received a call first they did not state who they were they just said they were looking for me if her a phone number and a case number and for me to contact them immediately I immediately contacted them before getting to work and the woman did not say her name she just said she is calling to collect a debt and I asked her okay what day what company she just gave me the name of who I owed money to which is a payday loan she said this loan is from XXXX I told her okay can you give me a phone number and your name and I will contact you immediately as soon as I'm off work she then stated if I hang up on her there will be a police officer at my door a police officer at my job and they will be serving me with court papers because I'm going to be sued for fraud and breach of contract I explain to her I will work something out can I just please give you a call I have to go into work she then yelled and said do you not understand that if you hang up now it's going to be that you are unknown cooperative I explain to her I will cooperate if you let me give you a call back she then said no I'm sorry I'm going to put you down as uncooperative and that's it I hung up on her I then received five more calls from a different phone number and the lady did not say hi my name is or anything she just said did you talk to anyone I explained to her who is this she said I asked if you talk to anyone if not you're being sued I said who is this and she did not say her name she was just giving me attitude she also said I can do payment plans I told her okay I will do a payment plan but I need you to send me your information through email so I know where my money is going she said first payment you make then we will send you information I said no and then I told her I am not off work yet I will call you back when I'm done she then said no we're stealing you that's it I don't care we're going to garnish your wages we're taking everything that you have because you owe us {$450.00} I hung up on her and she kept calling and calling and calling and calling me it's frustrating because I am a single parent of two kids I don't make enough every two weeks and I'm barely getting by and for them to threaten me that I'm going to jail is just not okay because I'm literally all my kids have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I had this loan from a over a year or two ago and I have paid accordingly to the terms with the exception of the last {$100.00} and some change. I have not heard anything thing fro this company since late XXXX regarding this and I had assumed that this was a current loan that was paid off and I said that to the caller ( its recorded ). This call and the other hundreds of call to my EMPLOYER has got to stop. I can not even answer the phone without them calling from multiple numbers asking for me as if we are friends then tell me they are calling to collect a debt. I have to ignore calls to my job because of them constantly calling me. 

I was told that they have mailed thing to me and I have not received anything in writing from them. 

The called on XX/XX/XXXX was the last time before writing this complaint. A fellow coworker asked me was I ok since she could tell it was a bill collector calling my WORK place. This company has continued to call me at my job since XX/XX/XXXX./XX/XX/XXXX over and over again. I can not have them calling where I work like they have chosen to do so. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Red Cedar Associates LLC
State: TX

Complaint narrative:
Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as Red Cedar Associates. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with Red Cedar Assoc certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I enrolled in water delivery services through sparkellets beginning if this year after few months of having issues with wrong or missing deliveries and over charges I called to cancel the service also the machine not working properly I called in may to cancel and they said they will pick the machine ..my appatmement building had major construction so I had to be relocated to a dif apartment temporarily and I told them that they never picked up the machine unbenonce to me they sent the account to collection bureau of America and they want me to pay the machine and service I never received and asked to be discontinued I called sparkellets again they said its nit in their hand again ..and also I scheduled two additional pick up dates and they failed to pick up one was in XX/XX/XXXX and the other one in XXXX..its not fair that I had to deal with the consequences of incompetence and horrible customer service.. and now the collection agency is trying to force me to pay for something I never received and I opted out of. 


PS : the page is not letting me enter my last 4 digits of my social it's not working so I listed it under acct number which I dont have ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Need Copy of credit report w credit score 3 months worth of income source I am a landlord, and less than 2 years ago, I successfully used Experian landlord credit report feature to see the reports of potential tenants. I tried using Experience feature about 1 months ago and the system was not allowing me to send report request to tenants. So I then opted to use XXXX for my tenant applicant and XXXX has a feature that I can view the applicants credit report. When I try using XXXX  credit report check feature with my first applicant, it happens to be with Experian Experian says I have a security freeze and that I needed to send VIA MAIL ID, Bills with address etc so that they can verify my ID, despite me having a PIN for my freeze. I sent in the required information on XX/XX/2018 via USPS. Its XX/XX/18 and I have not heard from Experian and I still cant view my tenants credit report to make an informed decision. I have no idea if I am even going to be able to view my tenant credit history forcing me to have to make a blind decision. I dont understand why I am having such a difficult time with Experian when I have used their services successfully in the past and my security freeze I place myself years ago as a protective measure. Additionally, the tenant applicant paid money for me to be able to view their credit report. Lastly, I have tried calling whatever number I can to speak with someone at Experian but I cant get past the machine operators to speak to a live person. With the amount of information and power credit agencies have, they really should make themselves available to fix issues like this. This could potentially cost me good tenants and thus money.

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 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
On the XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX XXXX XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX XXXX XXXX  manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error.

Now in XX/XX/XXXX, I am receiving this notice out of nowhere.

Company response to consumer: Closed with explanation