vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
I received a letter from Credit Control LLC on   XXXX   claiming they are collecting a debt in the amount of {$460.00} from an account in my name from   XXXX   XXXX  . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  XX/XX/XXXX  and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on  XX/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation.  XXXX  days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name  XXXX   XXXX   XXXX  as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a   XXXX    digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me  XXXX  with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after  XXXX  days has not given me any validation to this claim.

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 2017-04-20 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: First Credit Services Inc.
State: CA

Complaint narrative:
Got a collection on my credit report without even being contacted about anything with this scam company. No communication was sent to me I never spoke to anyone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: DOAN SOLUTIONS
State: KY

Complaint narrative:
I contacted  XXXX  for student loan consolidation and forgiveness. I am not sure how DOAN SOLUTIONS got my information, but I was contacted by them to send in documentation to finalize my request. I sent in the documentation and gave them information to take  three ins tallment payments from my account, thinking they were part of  XXXX . I called  XXXX  to ensure all documentation had been received and check status of my consolidation. I was informed that they had not received any documentation or any payments. I was also informed that the services being offered were free and that I should not have been paying and that my student loans were in default. I am not sure how DOAN SOLUTIONS got involved with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I am making a dispute agains t Nationwide Recovery Service in  a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for  VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX ,  XXXX , and  XXXX   ).  This action constitute fraud under both Federal and  State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rossi Law Offices, Ltd
State: CT

Complaint narrative:
a letter arrived in the mail. creditor is bogus. pretty sure this is a scam. debt for a car of   XXXX   addressed to a person who was born in  XXXX  the name is the correct name of my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: CA

Complaint narrative:
I have been receive d 4 call s so far from  Focus Receivables Management   XXXX   XXXX   XXXX . Twice I tried to return their call all I got was person not in or person is on the phone. To day I left a message  Do Not   Call send me a letter with all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion to dispute the account  XXXX   XXXX   XXXX   XXXX  because the account is not mines and I was told over the phone &amp; in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told  in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.

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: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is the  2nd time I have seen  a  XXXX , Texas address on my credit report or credit score and I have never lived in  XXXX , Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
We were charged a late fee of {$35.00} concerning our  XXXX  payment.  Fay Servicing po sted the payment on  XXXX   XXXX , but the check was cashed on the  XXXX . I have twic e e mailed them copies of the bank statements to attest to this fact and they  will not remove the fee. At the appropriate area of this form, I will copy and paste a 6 month payment history from my bank,  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by University  of   XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for Limit {$0.00} and past due amount {$2800.00} on   XXXX     I challenge the accuracy, compliance and reportability of this listing. Please delete and remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I called  the Accredited Collection Services to set up a paymen t plan for a debt that I owed.  XXXX  the representative on the line was extremely rude and would not work with me. He told me the " full amount had to be paid today or they would take further action ''. I did not have the full amount and explained I could make payments. He got extremely rude and told me I have had plenty of time to pay this debt and I owed this money now. I ended up saying goodbye and got onto there website to contact customer service about my situation by email. The response was to contact ACS by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Whipple Law, P.A.
State: CA

Complaint narrative:
Whipple Law ou t of North Carolina is trying to collect on a debt that they state was charged off by   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     I moved from   XXXX   to   XXXX      XXXX   XXXX   . They have no legal right to threaten me with a law suit based on  XXXX  's  six year St atute of limitation regardless of the type of debt. And  XXXX  has a statute o f four yea rs for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Second complaint on  Ad Astria Recovery Services.  We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on   XXXX     but placed the actual debt without verification on my report on  XXXX ? Since I have filed this compliant Ad  Astria  has placed this on all  3 thr  ee  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   XXXX   XXXX  for fraudulent and misuse of Texas  Debt Act  and violation of my privacy by contacting and sending my personal information to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of  XXXX   XXXX   XXXX   XXXX   XXXX  at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in   XXXX  . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I  have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have  also contacted the Attorney General,  XXXX   XXXX  regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a "  XXXX  '' and a "  XXXX  '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, 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 2017-04-19 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent  XXXX  has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with Convergent  XXXX  nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the  State,   City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a  XXXX   XXXX   XXXX  credit card that was being reported to all 3 credit bureaus since its opening in   XXXX  , suddenly my positive credit card payments and account were removed from Equifax about 8 months ago. Nothing is reflecting on my Equifax credit report but is showing up on  XXXX  and  XXXX .I have contacted   XXXX   (  XXXX   XXXX   XXXX  and Equifax numerous time and the credit card assures me they are reporting correctly However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my  XXXX   XXXX  is even asking them to do.   I have a valid, pays as agreed account that the credit card issuer says should be reported to Equifax as it being done with the other two bureaus and Equifax is refusing to do so, even with submitted written documentation ; no one ever authorized any change.   I need help badly with getting Equifax to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I got scamed  bya student fo rgiveness company I already reported them to the federal trade commision, they are now possing on my credit report by another name  XXXX  my credit of  XXXX   XXXX  a month, they need to clear that I called them to unmask their scam and I even had to put a flag alert on my credit, they are a false company charging for charges that are illegal and they should not charge since I contacted the department of education and they alerted me a little too late, since the harm was already done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
On   XXXX   XXXX   obtained my credit report pulled by  XXXX   XXXX  Bank to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  XXXX  of Charl/CNA. I have emailed, mailed, called, and faxed correspondence regarding seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company regarding this account. Also according to the FCRA, this account is is  XXXX   years old  and the company is still attempting to collect on a debt past  X  years.

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: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra is a ttempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XXXX / XXXX /   2017  asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
X/XX/XX  - Submitted a request to Myloancare.com to remove my PMI as soon as the payment I just mailed arrived. The check would put me over the 20 % equity in the house, I have consistently paid on time, since I 've purchased the house. And it 's been longer than 5 years since I owned the house, as a principal single household residence.     On  X/X/XX   XXXX  XXXX  XXXX  responded with, " Our records indicate that your loan was originated on  XX/XX/XXXX . In order for your mortgage insurance to be removed you will have to pay ( MIP ) for at least 5 years and the LTV will have to reach 78 % on a 30 year FHA funded loan per the FHA guidelines. FHA does not allow appraisals or additional principal payments to remove MIP early on 30 year FHA loans. At this time, your loan has not met these requirements '' On  XXXX , I responded w/ the Homeowner 's Protection Act and how I have met all the qualifications needed to cancel the PMI. I sent them the link and specific quotations to verify my request. Their auto response suggest giving the m 5  business days ... .. X/XX  and  XXXX  I have followed up replying to the e-mail chain, requesting that the PMI be cancelled and submitting the backup and ticket number provided with the original request. Today,  X/XX/XX , is the end of the 6th business day since my last request and in my last message, I had let them know that my next step is contacting the  Consumer Protection Agency of the issue.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
The short sale has been under review for 115 days. The investor first denied the buyer closing costs despite being a VA financing purchased. Lastly, we were counter to increase the price to {$240000.00}. the current offer amount is {$230000.00}. On  XX/XX/XXXX , copious amounts of supporting documentation to back up our offer amount were submitted in the form of a value dispute as a response to the counter. It has been over a month and there have been no updates regarding a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: United Credit and Collections Inc.
State: MD

Complaint narrative:
Can you please refer to case  XXXX  the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my  2 p ayments was the enrollment fee and the  XXXX  was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all  10  classes and they allege I only paid thru  XXXX . That is ridiculous and untrue no company would allow me to atten d 4  more months thru  XXXX  without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed disputes and called equifax to correct my bankruptcy reporting. Equifax has continously reported inaccurate bankrupt information. I am led to believe this is intentional. They have mentioned on their response letter they verified information against  XXXX   XXXX . Why can these people not get my credit report correct? They have affected my ability o purchase a home.They are reporting me filing a chapter  XXXX  on    XXXX   XXXX      when this bankruptcy has been paid in full and discharged. According to FCRA, if someone is reporting inaccurate information, it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
I have disputed this item to have it verified and validated. I received notice that the debt was verified but did not get anything showing how it was verified/validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I filed a dispute with Equifax for an   XXXX   collection account on my file. This debt belongs to my son, not to me. They left the item on there. I can not be held liable for a debt that belongs to my son. This is a violation of the Fair Credit Reporting  Act. Sect. 611 ( a ) ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation