vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MFP, inc.
State: FL

Complaint narrative:
Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I have been given the run around from XXXX when I call and this company who has acquired my loan. I purchased this car under fraudulent conditions. This loan was purchased from XXXX XXXX XXXX. The balance and due date change is incorrect and has me delinquent. Also I was not notified of the salvage title on this vehicle. XXXX XXXX XXXX did not notify this company of the issues I had been having and am having with this vehicle. This vehicle lost power steering, leaks gas, and oil, and should have been addressed. I called XXXX and was advised they have no knowledge of the salvage title. I have brought this car to several dealerships to trade in on another vehicle and have been advised they were unable to trade this vehicle in due to the XXXX. I am at my wits end as XXXX has filed bankruptcy and everytime I call them they direct me to the new company who advises me they have no knowledge of any of this. I want all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ashton & Weinberg, Inc.
State: VA

Complaint narrative:
Ashton and Weinberg Inc. ( XXXX ) XXXX called my cell phone and left XXXX messages last Friday XXXX XXXX stating that since they were unable to get in touch with me they would be " going on XXXX '' to try to find me and my family and friends so that they contact them to see if I was " Okay :. I was at work when the messages were left for me and once I got off I listened to them and almost immediately afterwards I received a phone call from my dad stating and " attorney 's office ( which I do not believe that they are ) called and was searching for me and they left a " claim number '' with him. Then my brother called and stated that hey had also called him and he let me listen to the message which again stated they would be going on XXXX to find my family and friends and they would be contacting them and they also left that " claim '' number on my brother 's voicemail. Then my mother called and said they had called her work. Yes her work and left a message with a receptionist giving them my name and " claim number '' and asked the receptionist to have my mom call them. This may not technically be considered harassment in the eyes of the law. But it is definitely bordering the definition of harassment. And at the least, they very least it is unethical. I worked for a collection agency and I understand Skip tracing and other methods to find family members. But never did we leave any information other then a message, definitely never a " claim number '' or any other information of that sort And when told to cease the phone calls to the family members, we did. I left them tow messages Friday night after I got off of work to let them know that they are never again to call my family and I gave them my cell phone number ( which they already had ) as well as my address for correspondences. Once again, this may not be legally harassment, but it is definitely at the very least crossing the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attention dispute department XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX XXXX XXXX XXXX DELINQ 90 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX XXXX XXXX XXXX COLLECTION XP/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Auto Properties II, LLC
State: VA

Complaint narrative:
Chapter XXXX Bankruptcy discharged in XXXX but still reported as a charge off, open and derogatory on XXXX and XXXX. Have disputed several times but they just do n't understand FCRA RULES! Now the company website says permanently closed and they do not respond to disputes.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-27 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: DFC Global Corp.
State: AZ

Complaint narrative:
The company is ma associate is calling and saying that I am being sued. I have not had contact with this company before. I had advised them that I do not know of any paydays loans from XX/XX/2008 and I would like them to prove that this is me during this time I had my identity stolen and do not know what was open and what was not

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've disputed the account sent supporting documentation along with dispute. The dispute took over 30 days ... ... the first results an email was sent to me notifying me that there 's a status was unable to get results. Tried calling could never get a live person an automated told me to check online. After a few months checked online to see 2 no dispute completed but no results. After calling 2 weeks I finally called the PRODUCT/sales line and got someone who at first tried to SOLVE my issue by giving another number to call after arguing with her she was able to get a live dispute person. When I spoke to her her tone was short with me but I expected this as I was arguing with the comworker. I was told although you sent supporting documentation it was forwarded to the collection agency and they " verified '' it accurate. When I asked about how they verified I was told the collection agency does it as they are the ones reporting. I 'm not understanding how the same agency reporting the error can also be the same verifying the error as if they will say we made a mistake or committed fraud as they knowingly reported false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Citi Management Group, LLC
State: CA

Complaint narrative:
I keep getting harassing phone calls at work and on my cell. They state that a loan was deposited into an account my account in XXXX. The account has been closed since XXXX. Threaten to garnish my wages or have me arrested. They have failed to prove the account has been delinquent or provided any paperwork stating is has been delinquent. 

Company Name : Citi Management Group Telephone Number they keep calling me from XXXX or XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
In 2012 this nightmare began, I had become ill and could n't get any assistance from Nationstar. Fast forward, now I am XXXX and still fighting with them for what is fair. They should have helped me in 2012 and none of this would have happened this way. Please see my timeline explanation for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a pair tickets for myself and a friend for a music festival, but a conflict came up and I could no longer attend, and so I posted a listing to resell them since a refund was not offered by the festival organizer. I found a buyer, and we met and agreed to transfer the cost ( {$1600.00} ) of the tickets through Venmo 's money transfer app from their bank account to mine. I received their payment in full in my Venmo account along with a text from Venmo confirming that I had been paid the {$1600.00}. I gave them the tickets, as my account on Venom 's iPhone App showed that I had received the money and that the transaction was complete. 
The next day when I attempted to transfer the funds from my Venmo account to my XXXX checking account, I received a notice from Venmo that my account had been frozen. I called Venmo to resolve the issue, and they told me to email them a copy of my driver 's license to confirm my identity. Their follow up response was that I had been using the account for " business payments '', and that those types of transactions are not allowed on their App, therefore they took the money out of my account, and also deactivated my account. This has been very XXXX to me as I am not operating a business, it was just a one time transaction that was only going to my personal checking account. It was money that I was counting on in order to pay rent and bills, not for anything to run a business. I do not use Venmo for any business, nor have I ever used it for anything that would fall under " business payments ''. I have only used it for transactions between friends or in this case a casual, personal transaction. 
I am now without the tickets, or the money that was in my account, and have been given no recourse to recover the money. Venmo had clearly confirmed in both their app 's interface and their texting service that I had received the money, with no stipulations or disclaimers, and offered no explanation until the next day when I had to reach out to them to figure out what was going on. Unbeknownst to me, they classified this as a " business payment '' in their terms and conditions, however even after reading through the user agreement on their website I 'm not sure how they came to that conclusion as the terms are vague, do n't explicitly list anything I did as prohibited, and do n't specify how exactly they applied to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Protas, Spivok & Collins. LLC
State: DC

Complaint narrative:
XXXX issued me XXXX with a {$12000.00} limit. I lost my job in XXXX and had trouble making payments. In XXXX XXXX, I entered in to a payment plan to pay $ XXXX/month. On my credit report XXXX reported I owed {$12000.00} and paid $ XXXX/month. XXXX debt collector, XXXX XXXX and Protas, Spivok & Collins XXXX LLC reported I owed {$15000.00} and could not be found for payment. Therefore, XXXX 's collection company sought to collect for the same debt simultaneously and for more money. 
In XXXX XXXX, XXXX XXXX, the attorney for XXXX, filed for judgment when a payment was received by his law firm a few days late. The judgment increased my debt from {$12000.00} to {$17000.00}! I NEVER received a summons. I was not present in court to defend myself. I wrote after the fact to inform the court and my protest fell on deaf ears. 
To date, I have paid XXXX {$10000.00} for the XXXX. I learned today that a legal hold/garnishment was placed on my XXXX bank account for {$15000.00}! I have paid {$10000.00} and now XXXX seeks an additional {$15000.00}. When I asked Protas, Spivok & Collins XXXX LLC why they requested {$15000.00}, they told me to file suit in XXXX XXXX Court. I have fulfilled my obligation and paid {$200.00} for XXXX XXXX. I am paying my debt, yet being punished. I had approximately {$1500.00} in my account and my paycheck for {$2200.00} will be direct deposited on XXXX XXXX, XXXX. XXXX will receive over {$12000.00}, which was the maximum card limit. It is unconscionable that I am being forced to pay an additional {$15000.00}. XXXX sought garnishment for more than twice the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: RSR & ASSOCIATES INC.
State: CA

Complaint narrative:
I received a call from the debt collector who stated I owed {$1800.00} to pay day loans and that a suit was pending and if I did n't pay the debt I could lose my license and my banking privileges, be on probation for writing a false check in XXXX 2015, it scared me senseless. He also said he was connected to the XXXX office and put me on hold to see if debt could be reduced and hold off on the law suit, they then sent me a docu share to sign for monthly payments. In the mean time I got a call from time warner collection agency and she told me it was a scam and that this fellows business had been shut down and the person named on the docu share a XXXX XXXX was his secretary. 
I did take care of the bill in full with the reputable company and have documents bill is paid. I had attempted to pay the bill thru pay day loans but could never get thru, I stopped payment on them because they were deducting {$150.00} every pay period ( bi weekly ) and nothing was coming off of the balance. 
The lady at the reputable company gave me her direct line tel # and she recommended I file a complaint against the other guy who 's phone # I have. Said his name was XXXX XXXX probably a false name If there is anything I can do about this please let me know XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Vision Financial Corp.
State: AZ

Complaint narrative:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over 3 months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have mailed 2 certified letters to all XXXX collection agencies ( XXXX ) on XX/XX/2017 and XX/XX/2017 regarding this creditor AR RESOURCES for a medical bill. I have asked for Validation of this debt with my signature stating that they can report this since this is a HIPAA violation of my private medical account and medical history information. I did not authorize nor consent to this. I have yet to receive any proof with my signature of me consenting to the release of my private health information. They refuse to provide proof as to why I am filing this complaint and I am trying to purchase a home and this is showing I have financial trouble in which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XX/XX/2017, I applied for a loan modification with XXXX which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on XX/XX/2017 I received a phone call from XXXX saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time of all this process I received a letter from XXXX saying that my loan was sold to a new lender Select Portfolio Services, and they will honored any previous modification agreement already approved. 
Until now I have n't received my modification agreement, I have been calling back and forward to both companies XXXX and SPS, and they just keep saying that I need to keep waiting. 
It is taking to long and I am calling every week with the same answer. I do not want to lose my house and I can afford the high payment. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: MN

Complaint narrative:
I manage the admin for our small consulting firm and we recently received a piece of mail from a company called " XXXX '' addressed to a former employee of ours underneath our firm name and address. I opened it, and it contains what looks to be a genuine credit card with the former employee 's name and a card number, it does n't look like one of those fake mocked up cards you get in solicitations. There is a sticker on the card that gives a phone number to call to activate the card, which offers ( it says ) a {$150000.00} line of credit. This was not a solicited offer, but it looks real and is so disingenuous, I wanted to bring it to your attention. On the piece of printed paper the card is attached to, it states the following sort of statements : " You have been selected for a business line of credit of {$150000.00}. Activate Your Card Now. '' " Here is your new XXXX XXXX Premium Platinum card '' - and then goes into steps you can take to activate the card. 
On the rear of the sheet of paper, in small print it states, " This is not an offer of credit. XXXX reserves the right to verify your financial information and confirm your credit worthiness in its sole discretion. This will include, but is not limited, verifying banking and trade relationships and obtaining credit reports. XXXX Fraud Program protects the owner of this business. '' I worry that there are vulnerable, susceptible people who may get solicitation like this and act on them, so wanted to bring it to your attention. The phone number to activate the card is listed as XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HIGHLAND FINANCIAL SERVICES (Closed)
State: VA

Complaint narrative:
Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.

Company response to consumer: Untimely response