vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
In mid XXXX I received a letter from XXXX bank, a company I admit I owe money to, informing me the debt was transferred to JH Portfolio Debt Equities , LLC. JH has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for JH Portfolio and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I paid portfolio recovery inc. XXXX back in XX/XX/2010 over 5000. They keep saying that I owe them an additional XXXX for a company I been paid off. I would like them to remove my information from the credit reporting agencies asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me XXXX XXXX XXXX XXXX, XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX???? they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too?

I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.

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 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have not been notified of the debt in writing at any point. I initially noticed the debt when it appeared on my credit in XX/XX/2016. The collection agarncy stayed that it was for emergency room services that I received. I disputed with the collection agency and gave my insurance information as my insurance has paid out all my bills and I have not owed any balance. The collection reappeared on my credit. I did not receive any information regarding the status of the dispute or any other communication. Ive contacted the ocollection agaency and they were rude and could not help me. I told them that this could not be for a visit from me and I believe t was for my son. They said that this was a bill for me being serviced and not my son. Ive sent debt validation letters with no change. Ive contacted he emergency room and hey have no open bills for me. Ive contacted the original debitor XXXX XXXX XXXX and they confirmed that this was a bill for my son. They said they requested information from the client and if that was true they would remove it from my credit If the correct information would have been given to the collection agency this could have been resolved as me and my son have separate insurance information. I asked could they give this information to they collection agency and they gave me the run around and told me to call the emergency room and fax those record to the collection agency. I then called the collection agency to get them this documentation and they refused iy saying that the client XXXX XXXX XXXX   needed to contact them and they could not accept any supporting documents from me. The collection agaency is receivable management p in XXXX Michigan. They would not let me speak to a manager and was beyond rude. I called XXXX XXXX XXXX to let them know what I was dealing with and that I am trying to resolve the debt. If the collection agaency had given me the correct information this could have been settled. They would not help or transfer me to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Please reference case XXXX and credit Acceptance account XXXX. Bi received a letter from Credi Acceptance legal aid XXXX XXXX. As a result we were placed in a do not call list with Credit Acceptance. But they denied any other wrong doing which is expected from such people. 
The issue at hand is my wife has called two days in a row trying to make the payments and the representatives proceeded to verbally harass and abuse my wife. She started calling 3 days after the due date to make this payment and the recording we have on hand prove the abuse and just downright ugliness we have to endure when calling. Todays date XX/XX/2018 she calls again to make the payment and she gets off the phone in tears from the verbal assault. This is the absolute last time I report this information. Next time I am suing Credit Acceptance because we have the recording now of their abuse Ive nature to people who actually pay. I got on the phone today with a manager named XXXX and she was extremely apologetic. I made the payment and foretold her of the actions getting ready to be against credit Acceptance. They have been sued so many times due to their actions and this time those cases will be referenced and show a history of abussive communications.

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 2018-07-31 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: AL

Complaint narrative:
I have attached scanned documents for report number XXXX. All the pages show this report number. on page 2 of 12 it shows XXXX XXXX AND XXXX XXXX   updated and i would like to see the documentation for these updated accounts. Also i have attached the letter i sent experian on XX/XX/XXXX asking for an audited statement and when the payment was processed for the last 24 months under the fair billing act of XX/XX/XXXX and i only received a credit report that says updated and no proof.On page 5 of 12 the accounts is reporting twice with no full account number, different balances, different report dates, different monthly payments, no high balance, different statuses, different date of statuses, and different payment history. This is a violation of the FCRA.On page 7 of 12 portfolio recovery is reported as paid and i never paid this company and they should not be on my credit report. On the attached scanned on page 7 of 12 santander have late payments that was not late and i have not beeen shown any proof.Also XXXX XXXX IS REPORTING AGAIN ON PAGE 7 OF 12 WHICH IS A VIOLATION OF THE FCRA.ON PAGE 4 OF 12 XXXX XXXX IS REPORTING TWICE WITH NO FULL ACCOUNT NUMBER, RECENT BALANCES REPORT TWO DIFFERENT DATES, STATUS REPORT TWO DIFFERENT DATES, AND TWO DIFFERENT PAYMENT HISTORY WHICH IS VIOLATION OF THE fcra. THESE ACCOUNT DO NOT BELONG TO ME AND I WANT TO SEE A FULL ACCOUNT NUMBER BECAUSE A PARTIAL ACCOUNT NUMBER IS VIOLATION OF THE FCRA. I have no record of the above accounts and I am demanding that you disclose all of the documents upon which you are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the  consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. Experian was just sued for not treating a consumer fair and I have also been treated unfair and this situation need to be taken care of.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX around XXXX in XXXX GA, I made a purchase at a XXXX gas station. However, the cost of the item was XXXX and the amount deducted from my Netspend card was XXXX. Additionally, the charge showed at pending which did not show as the merchant having collected the amount. Thus the money wasn't showing on the merchant 's end, thus I could not get the item purchased. But {$1.00} was deducted from my card. I called NetSpend customer service and they told me that a purchased was made for {$1.00} but the cashier told the Netspend representative that there was no purchase showing on their end, as if I never made the purchase. I also confirmed that. The Netspend representative told me that I would not get the money until it is either collected by the merchant or refunded to my card. I thought this was atrocious for in the past, when I usually make a purchase, the money goes to the merchant immediately instead of the transaction pending. This means the customer is without their money for the purchase and also without the item purchased. The workings of the way this card works is close to stealing in my opinion because the Netspend bank takes the money from you but never deliver it to the merchant.

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 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to L J Ross Associates. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX  and XXXX.I disputed with XXXX but recieved a email Pdf saying The Collection agency L J Ross Associates verified it was me.that a lie.I contacted them first when o saw on myfico they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because Lj Ross say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. Whatever date XXXX or lj ross may ask me to verify I can prove via paystubs that I live and worked in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am showing that my credit score dropped by 72 points. 
I have no late payments and continue to pay the account payments due. 
I would like my score to be restored as I am in the middle of seeking better employment opportunities and also qualification of a new home. This came out of nowhere please provide assistance. 

Also American Express closed my account without any reason while I was on credit protection I am trying to have that account reinstated, and they forced me to run my credit to apply for a new account when the original account from XXXX should have never been closed as I made all payments on time and elected to use the American Express Credit Protection Benefit while I was XXXX. 

Why was my account closed. I need to have that account reinstated as that is one of the oldest accounts and would also help my credit report show my credit history. 

XXXX account was also closed and I did not not close that account that account was opened in XXXX and like the American Express account had a XXXX balance with no late payments. Can you please assist me with resolving these issues. 

Kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I knew that the we wouldn't have XXXX 's mortgage payment because we were evicting the tenants. I contacted Mr. Cooper in XXXX to let them know and begin working on the loan modification process. Since XXXX I have uploaded and emailed over 40 times to get them the required documents. They have lost several, allowed others to expire, and ignored several. We have spoken with numerous supervisors that promise to help but afterwards we are never able to reach them again. People call us to tell us we are missing documents and when I tell them I resent said document they suddenly are able to find it. I have emailed XXXX XXXX ( she uploaded documents for me on XX/XX/XXXX ). I spoke on the phone with XXXX XXXX ( supervisor ) on XX/XX/XXXX and we emailed back and forth the things he said they still needed from me. I sent those forms to him on the XXXX. He promised to help, call me back, and respond to my emails, but I never heard back from him. On XX/XX/XXXX I emailed him requesting an update on the loan modification and I didn't get a response. On XX/XX/XXXX is when we spoke with XXXX XXXX and he told us " this will be the biggest headache of your lives and at the end of the day they are still going to take your house ''. Nonetheless, we continued to send forms in and I tried to reach out to XXXX XXXX again and to XXXX XXXX ( my personal loan specialist ). XX/XX/XXXX I spoke to XXXX XXXX ( another supervisor that promised to help but didn't ) and I emailed her forms to upload. I had to email to request uploads because their website can't upload documents that are " too large '' .On XX/XX/XXXX I spoke to and emailed documents to XXXX XXXX ( another supervisor that didn't help ). I was sent a response email stating to call Mr. Cooper for any questions or concerns. I emailed forms to XXXX on the following 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 and today XX/XX/XXXX. This is not counting the forms I was able to upload myself via their website. This company is so disorganized. They are liars and scammers and they play with peoples emotions hoping that we will get tired and give up. We have been trying for months to resolve this issue and they are not doing their part. In the meantime my account if accumulating outrageous late fees and penalties and this is destroying my credit. We have since gotten new tenants and they are harassing them with visits and mail about foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
IN REGARDS TO : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX I HAVE DISPUTED WITH XXXX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH NAVIENT OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This morning I went to buy a furniture item on XXXX that cost around {$4300.00}. I added the item to my cart and went to the checkout screen. While there, I was solicited to apply for the XXXX credit card, it said I was pre-approved, and that I could take 18 months to pay for the item. Because this was a large purchase, that sounded like a good offer so I clicked through and applied for the card. After my credit was checked and my credit history dinged for a " hard pull '', it came back with me only being approved for {$2000.00} ( even  though when I later spoke to a supervisor named XXXX, he said I have great credit ), which is obviously much less than the item price in my cart ( over {$4300.00} ). I called the company that issues the XXXX XXXX, XXXX, to see why the discrepancy occurred. They couldn't explain why, but offered to apply for a limit increase. After being on hold for a while, and having my credit history dinged AGAIN for a hard pull of my credit report, the person came back and said I was approved for {$4000.00}, which is STILL less than the price of my item. 

This is very shady behavior. I'm sure the credit card company 's executives receive bonuses based on the number of new accounts opened in a given period of time. If shoppers are led to believe that they can get credit to pay for the item they are about to buy, only to soon find out that the credit limit they're approved for is far below what they'd need to actually purchase the item, that strikes me as almost-fradulent. After all, why not just hand out thousands of new accounts with small credit limits so you as a credit company executive can show a huge number of new accounts opened, regardless of the small credit limits. Perhaps less people would be approved if the credit card company looked at the actual price of the item someone was looking to purchase. Maybe it's better to have 1000 new accounts opened with a credit limit of {$200.00}, or {$500.00}, or whatever, rather than 100 new accounts opened with a credit limit of, in my case {$4300.00}, or more. I imagine that XXXX would be upset about this practice as well. After all, I imagine a lot of customers would walk away from their purchases after experiencing this kind of poor treatment. 

FYI : The supervisor at the credit card company I spoke with is named XXXX, ID number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XX/XX/2018 an FHA Valuation appraisal was performed and is currently flawed and tainted I requested another appraisal from XXXX XXXX. At Mr Cooper mortgage company the parent company of XXXX XXXX and the request was ignored. There were Violations of the Uniform Standards of Professional Appraisal Practice Standards. USPAP. Improper influencing of appraiser or the appraisal process. appraiser failed to follow specific FHA instructions for completing appraisal report form. FHA Appendix D Valuation protocol appraisal requirements 4150.2 page D 1

Company response to consumer: Closed with explanation