vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc.
State: MO

Complaint narrative:
I received a call on a work phone in a co-workers office. They asked me for my name without introduction then began asking some personal information. I didn't provide anything I thought they could use to steal my identity but verified who was. I was then put on hold and connected to a male who began by asking me if his coworker explained the nature of the call. I told him no. He then told me that I had a debt that started at around {$1500.00} but was now {$3600.00}. He said it was from XXXX XXXX. I told him that I have never owned an account there. He said he wanted to get do to the bottom of things and figure out what was going on. He then asked me if I was divorced, if an ex-wife could have done this and if she ever did anything like this before. I told him yes she has and much worse. ( I have been in litigation for over 6 years with her and this case is a matter of public record. He could have looked it up. ) I asked him what his name was but he just continued talking. There was a lot of noise in the back ground and it was hard to understand him. I asked him if he was in a call center. His reply was his company has its own collections department. He told me that he would talk with the creditor and see if they would settle the debt because of my divorce. When he came back he said they would take the original balance of around {$1500.00}. I told him again that I never had that debt. He said that if I didn't settle he would begin the process. He then asked me if I lived at an address I resided at 26 yeas ago. He also said I would see my debt on my XXXX and XXXX   credit scores and it was my job to dispute it. since I didn't, I owed it. I told him that it wasn't there because id didn't exist. I told him to hold no while I check. I could hear him shifting the phone back and forth. I use XXXX XXXX to monitor my credit so I looked and sure enough nothing. I told him this. He said he didn't have the time to waste with arguing and hung up on me. I went back to my office and saw the same number on my phone. They left a message. XXXX XXXX was the name she went by and her phone number was XXXX ex XXXX. The name was c & m associates. I think this is a scam to scare people into giving them money and when they found out I monitor my credit they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ClearPath Lending
State: CO

Complaint narrative:
This is a CONTINUATION of complaint # XXXX with XXXX and XXXX XXXX vs Clear Path Lending. As of today, XX/XX/2020, we have CONTINUED TO RECEIVE mailings from Clear Path Lending, despite all the steps that we have taken to have them cease and desist their onslaught of unwanted marketing solicitations!!!!! 

What can a consumer do??? It's unnerving, really! The waste and unmitigated gall that they have promised in writing to you that they will not contact us and lied and still continue to clutter our lives with unsolicited marketing is a real concern to me as to whether they have any regard for authoritative limits at all. We have said, " Stop '' ; you have told them to stop, but have they? Evidently NOT!!! Are they above the law and conscience? 

PLEASE, what can we do to STOP these people??? If they are doing this to us, they are doing this to millions of other VA home owners, bless their hearts, and they don't deserve that either. No Veteran does.

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 2020-02-26 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: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
XX/XX/2020, {$1000.00} due for hospital charges not covered. I spoke with a XXXX at One Advantage, LLC. after receiving a notice there was a debt of {$1000.00} from the hospital that was due. I informed her that I was never sent a bill from the hospital about the remaining balance and that I wanted to make payment arrangements because I didn't have that kind of money upfront. I told her that I was paying other medical bills to the same hospital for the same date of service and that this was never on those bills. The most I could pay would be {$50.00} a month. She said that was not an acceptable amount and that is probably why I didn't get a bill for this balance because the lowest amount they would accept would be {$200.00} a month. I told her I had XXXX kids and could not make that type of payment. She stated " that's nice you have XXXX kids, you need to use your tax return to pay off the balance. '' I stated that was not going to work as I had other obligations and that was inappropriate she even suggest. She said well if I want to send the {$50.00} in they would not refuse it but that if the balance is not paid off in six months they could sell the account to another agency and that agency may charge interest and it would mess up my credit. I asked her about interest being charged on a medical bill and she stated some agencies charge interest and that it would be in my best interest to pay them off quickly before they sold it to another company that would charge interest on the balance due. I made the {$50.00} payment, as that is all that I have, but I called the hospital and they confirmed they don't charge interest on medical bills. At this point I don't know who to believe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX  XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX  XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I called IC Systems on XX/XX/2020 to dispute a XXXX XXXX XXXX bill as not mine. IC Systems sent a Request to their client but got no responce. I called IC Systems on XX/XX/XXXX to inquire why the collection was still on my credit reports and the account was not closed. They gave me the run around and refused to close the account or remove the collections even though they could not provide any documentation to prove it was my bill

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial continues to call my cell phone. I have not business with Ally Financial at all. I have been receiving calls from Ally Financial on my cell phone for at least 6-12 months, but most recently the call volumes have increased to the point of being very disruptive and frustrating. Since the beginning of XXXX I have documented 16 calls and have called Ally Financial 3 separate times ( XXXX at XXXX CT, XX/XX/XXXX at XXXX CT, and XX/XX/XXXX at XXXX CT ) asking to remove my number, as I have not business relation with their firm. I informed them that the number they are calling is my cell phone number and they do not have permission to call. Here are the dates, times, and inbound call numbers identifications associated with the Ally Financial phone calls : XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX XXXX CT, XXXX

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 2020-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint has changed the amount owed going back and now adding a month that was never mentioned nor was communicated within any of the emails nor verbally communication by any of the individuals that contacted us. As of Monday XX/XX/XXXX another lady called and stated that she is now going back and adding XXXX because XXXX says they can't find any proof and if we can't find any or provide any she's adding on an additional XXXX to the amount now due. This lady refused to listed to what had already been discussed and stated that none of the recordings mean anything and that she is adding back the fee 's and penalties and that we now need to pay it. She continued to over talk me stating that this is an attempt to collect an debt. They have taken payments sent in and notated them towards payments that was already paid. Example, she took the XXXX postal money order that they said they haven't received and now she is stating they have received it and applied it to an XX/XX/XXXX payment that we already made and wasn't in question. I'm trying to understand how she is stating that we didn't make XXXX but she has XXXX this makes no since. Not only that, All communication was in regards to when Shellpoint took over which is according to them was XX/XX/XXXX how are we now saying XXXX when this was resolved by XXXX now Shellpoint is stating we contacted them and they said add XXXX. 

What rights do we have to choose a mortgage lender and how do you file an class action law suite and go higher with a complaint because this company is just as messy and unprofessional as XXXX and it's just the matter of time before they are filing bankruptcy as well and once again it's the customers suffering. These people are scamming hard working citizens and it needs to stop.

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 2020-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
XX/XX/XXXX Approved for a XXXX Plus loan from American Credit Acceptance. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This loan is called ocwean and they recently changed their name to phh loan. My home burnt down a year and a half ago my insurance company sent me 2 different checks For my contents and value of my home. I sent ocwean a check from XXXX that was the exact amount to pay this loan off and close the account for good. They kept insisting that I needed to have a Affidavit. So 3 different times we have mailed it back with the pay off signed and notarized and they kept saying it was sent back to late but we sent them out the day of or day after it came to our house we even had them fax it to my attorney and ocwean told us to fax take 24-48 hours and my attorney didnt receive it until a week and a half later and they notarized it that day we signed it and they faxed it back still, the check they have cashed which was from XXXX  and my adjuster told me they cash it & they have it sitting in a escrow account and wont release the funds to pay the loan off, now they have charged me up to XXXX and are trying to foreclose on my property that my new home is being built. I have called them over 50 times and they cant answer my questions, or they hang up on me or just keep transferring me to different departments. Ive received letters in the mail to sue this company this is the kind of loan that I have paid on for 30 years and it never paid off the principal balance. I need help because this doesnt seem right when they was paid in full to close this account and never have to do business with them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a loan for XXXX and paid back {$2100.00} then the company tried to take another {$790.00} in fees on the last month of payment installs. I said no, I have already paid back the {$1000.00} plus another {$1100.00} in fees and I was not made aware of another {$790.00} in fees until the last month. I stopped payment on my checking account because of this. This is over 500 % in fees to pay. This loan was from 2014 and I have been getting harassing and threatening calls ever since from various collection agencies and such and now they are trying to get another {$3000.00} from me! Telling me they are taking me to court, reporting my social security and even hitting my credit score in a negative way. I need for this harassment to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VA

Complaint narrative:
I was planning on purchasing a new home in the country. I inquired about XXXX XXXX and was told that I had 30 days to try out XXXX XXXX. I had it for less than two weeks when I decided to cancel and go to a cheaper plan with XXXX XXXX for TV and internet. I am a single parent and wanted to get the best deal possible to help save with monthly cost. I was not informed at the time of cancellation that I would owe them a fee for cancelling services, the only thing that I was told is that I needed to send the equipment back in which was done. A month or so later I received a bill from them saying I owed them hundreds of dollars for cancelling early, it was only 10 days into the service. I told them I was willing to pay for my service but was not going to pay a fee because I was told I had 30 days. I decided to go with XXXX XXXX whom also stated that I had a 30 day window and that I could cancel if not satisfied with the cable and internet service. I ended up moving out of the house after realizing I just could not do it by myself with XXXX children. I cancelled XXXX XXXX before 30 days and sent back the equipment as requested by XXXX XXXX. They ended up trying to charge me a cancellation fee as well. I did pay them what was owed on my bill and told them that it was stated that I had 30 days to cancel and that I had just been through this with XXXX XXXX so I made sure this would not happen with them if it did not work out. Now both of these are on my credit report and I need help getting them removed. They will not take it from my credit report. I have tried offering them a settlement amount, but that does not seem to make them happy. I have never bought a house and I am trying to do that in the next year for my children and I. Like I said I am willing to pay for the TV service that was used, but I should not have to pay hundreds of dollars for simply cancelling my services. I sent in all equipment as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to NATIONAL CREDIT SYSTEMS defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( NATIONAL CREDIT SYSTEMS ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( NATIONAL CREDIT SYSTEMS ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( NATIONAL CREDIT SYSTEMS ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. XXXX  ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( NATIONAL CREDIT SYSTEM ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( NATIONAL CREDIT SYSTEMS ) continues to be non compliant to the FCRA by false publication of  unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). 
XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( NATIONAL CREDIT SYSTEM ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( NATIONAL CREDIT SYSTEMS ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( XXXX  ) and Person ( NATIONAL CREDIT SYSTEMS )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

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 2020-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

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