vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  in the XXXX, I have received a voice mail from an Eastern Accounts System Representative, stating that I have a bill with the XXXX Hospital which totally disagree with that debt because the hospital bill took care of my hospital debt already with the help of XXXX who represents the Registration Department of the XXXX XXXX  XXXX XXXX through a financial assistance hospital program, then the caller hung up without notifying myself about forwarding my debt to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: C & M Associates Group, Inc.
State: PA

Complaint narrative:
Numerous phone calls harassing me about a debt from 2006. Threatening to garnish my wages and sue me for amount owed. Called asking for me with a partially correct name and different amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously.

The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information.

The accounts are listed on the attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously.

The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information.

The accounts are listed on the attach police report

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 2018-08-15 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: IQOR US INC
State: FL

Complaint narrative:
A Company called Allied Interstate called me sometime around the 3rd week in XXXX  asking me to verify personal information without telling me what the call was about. When it became clear that they would not release any information without verification, I told them to stop calling me and then blocked their number. I have now received about 5 different voice mails with no message recorded, each time the same phone number is listed in the header information of XXXX. I assumed it was just a telesales line as I have been looking for information online and may have gotten put on some phone list. So, on XX/XX/18 after receiving another voice mail notification with a blank message, at about XXXX, I checked the header information for the message, and called the number to find out that it was Allied Interstate calling me again. I repeatedly asked what the calls were about, but the representative would not disclose any information until I verified personal information. I have never done business with an Allied Interstate so I was highly concerned as to how and why this company has my information. He continued to recite previous addresses that I had lived at in my past, but I will not verify personal information with anyone I do not know. This phone call was ended just after I told the representative to stop calling my phone, for the second time.

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 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Premier Student Loan Center
State: AZ

Complaint narrative:
I received a call from premier student loans center asking me about my student loans, I tried to verify who they were to make sure it was not a scam, but both the initial woman that called me from XXXX was defensive and aggressive asking, " do you want to see if you qualify for loan forgiveness or not! '' She transferred me to : XXXX XXXX XXXX XXXX PREMIER STUDENT LOAN CENTER Direct ( XXXX ) XXXX XXXX www.premierstudentloancenter.com XXXX XXXX XXXX XXXX XXXX When I asked for a call back number to verify who he was and the company he worked for he too became defensive and aggressive, saying I was offending him and how would I feel if I were in his shoes accusing him of being a scammer. I don't know if this company is a scam or not, but when he claimed I was waisting his time, I asked to be transfer to someone else and he stated that he couldn't transfer me and I could only deal with him, and if I choose to try again next year for student loan consolidations I would have to call him back. He sent me some emails and went through a process of trying to get me to sign up to give payments thorough his company. The entire time I felt he was aggressive and pushy, I didn't feel comfortable at all, he used President Trump as ammunition for pressuring me into following through with a payment plan with his company. He also said his company worked for the government, but they were not considered government employees. If this is a legit company then they should be required to answer all reasonable questions about the company they work for and adjust their customer service. 

If they are not a legit company then something should be done the name and information above is the information that was emailed to me along with links to government websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.

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 2018-08-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX  XXXX - same fraud mortgages on my name.

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 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
They continue to call from multiple numbers. Upon research, it seems to be Portfolio Recovery, which multiple times has been reported as a scam. If I block one number, they call from another one. Never leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Veripro Solutions Inc.
State: CO

Complaint narrative:
Called XX/XX/18, XX/XX/XXXX, & XX/XX/XXXX, leaves message claiming they are calling from ( XXXX? ) XXXX XXXX, to call back, it is a call from a debt collector. I have no debt to collect. They never mention WHO they are calling for.. Looked up veripro, the number that they call me on/request me to call back on is not listed on their website. Another report on XXXX said It's XXXX XXXX. I have no debt! Stop harrassing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also XXXX XXXX XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the Air-force send all the necessary papers for the forbearance and it was approved.

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 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady  about why was i called. 

I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d.

Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.

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 2018-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
In XX/XX/2018, I applied for a loan modification with my servicer Bayview Loan Servicing. I was advised after the paperwork was submitted that the " single point of contact '' or " relationship manager '' had changed and therefore I had to resubmit all of the paperwork. By the time I was advised of this, and the paperwork was resent ( XX/XX/2018 ) I was advised that my request for a loan modification could not be reviewed as they ( Bayview ) had set a foreclosure sale date for XX/XX/2018. Although the documents were resubmitted again last week ( XX/XX/2018 ), I fear that no one will acknowledge receipt of the documents nor review my request. 

I feel I have stable enough income to pursue a loan modification, and I am even willing to sell the property should a loan modification not work out. I am, however, upset that Bayview will not work with me to try to keep my home or work out a solution when I have been very transparent with them about my hardship and have complied with any/all requests for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I filed a credit card dispute with Wells Fargo VISA for {$1800.00} on XX/XX/16 for a dining table that I purchased from XXXX XXXX XXXX. The table was defective and not what was promised to me by XXXX designer. The merchant returned the table but was charging me a 30 % restocking fee, which by law is wrong. I received notification from Wells Fargo that the dispute investigation was completed on XX/XX/16 and my claim was declined stating, We are unable to obtain a refund on your behalf because your dispute falls within the merchants pricing and policies, which we have no authority to change. I not only didnt get the 30 % restocking fee refunded, but Wells Fargo did not recover the money owed to me for the returned table. I question this outcome with many phone calls and many reinvestigations were done by Wells Fargo and they continued to responded Theres nothing more we can do. They stated I would have needed a 3rd party who works with furniture to verify the table was defective. So, I contacted Signature Designer Services the company that delivered and picked up/returned the table and obtained a letter from them verifying the table was defective. When I attempted to submit the verification letter to Wells Fargo, they stated I missed the deadline of XX/XX/16 and said the case was closed. Wells Fargo told me I would need to get the refund from the merchant on my own. I took the merchant to small claims court for my refund. At court, I was given papers from the merchant showing she had arbitrated with Wells Fargo, which I was unaware of. The merchant told the judge in court she won in arbitration and I recovered {$0.00} from the court. At home, I looked closer at the arbitration papers and noticed there was no arbitration ruling only pre-arbitration. I called the Dispute Resolution Department so I could get a copy of the arbitration ruling but was told there was no arbitration ruling. They stated Wells Fargo missed the deadline and failed to turn in the needed documents on my behalf, which resulted in the case being closed. The pre-arbitration information clearly states Wells Fargo failed to receive sufficient documents from the merchant to prove her side and they were proceeding with arbitration. This dispute was never arbitrated but closed because of Wells Fargos failure to submit the documents needed on my behalf. Wells Fargo lost arbitration because of their own mistake and then recharged my account the {$1800.00} I was refunded during the investigation. I should have been refunded the money from the dispute and should not have to pay for the banks failure to do their job properly. This is dishonest and unethical.

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 2018-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
this company advertises it specializes in va home loans and helps vets get into a home. this false advertising because they don't. they are using a company that issues fraudulent scores and claims making it impossible to finance a house, they state in a letter of denial that my scores was XXXX from XXXX  which is a direct lie, the score issued from equifax is presently at XXXX  and has been for over 3 months now. The name of the company issuing the data is XXXX XXXX, their name should be XXXX XXXX. After doing some research on this company i find they are doing this to a lot of folks, numerous complaints and charges have been made against this company. They do unauthorized credit checks and list incorrect information continuously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  charged usury rate of 97.10 % on a car loan.. i got behind 41 days and they repossessed car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: WA

Complaint narrative:
TRIED TO MODIFY LOAN WITH NO RESULTS. 
I'm in foreclosure again and must sell my home. XXXX XXXX  is the beneficary of this 2nd deed of trust with 9 % interest. Is there any assistance from the XXXX XXXX  settlement for homeowners like me to payoff this non - conforming loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
I was contacted in XX/XX/XXXX from XXXX XX/XX/XXXXabout a {$150.00} medical Bill. Spoke with XXXX I agreed to have this deducted from my checking on XX/XX/XXXX. It was deducted on XX/XX/XXXX I called them on XX/XX/XXXX only to be told the manager would listen to the phone call. Called on Friday was told the manager hasn't reviewed the phone call I pleaded with them to put back into my account. Spoke with XXXX  on the following Monday to tell me I was right and they would put the money in my account. They call my phone every morning when I answer they hang up. I finally was able to talk to XXXX today who said I would get my money back on XX/XX/XXXX. I told her this is my money you took it out of my account in which I didn't authorize she told me they don't put it back in my account for 3 weeks to make sure this isn't a NSF. I explained to her my bank wouldn't have given you the money unless it was there. They are giving me the run around all I want is my money. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA
State: FL

Complaint narrative:
Re : XXXX XXXX Student Loan Provider : XXXX XXXX Account # : XXXX On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX at XXXX regarding a Loan Forgiveness Program to inquiry if I meet the qualification for the program and was told that I did. I was told that {$49000.00} of my {$59000.00} student loan would be forgiven and I would only be responsible for repaying {$10000.00}. I was told that I would make 6 payments of {$190.00} and that my payments would decrease to {$40.00} thereafter to satisfy the balance of the {$10000.00}. I was emailed a copy of the Fee and Service Schedule to sign and my first payment was taken. 

From that point on I begin working with XXXX XXXX with XXXX XXXX XXXX at XXXX ( Toll Free XXXX ) who informed me that my Loans had to be consolidated through one of the approved Department of Education programs before it could be forgiven. Although I was skeptical I proceeded with the process because I was told this was standard procedure. I was told that the process would take 3-6 weeks. 

After my loans were paid off through XXXX, I was told that my new loan servicer was XXXX and notice that the total balance of {$59000.00} instead of the {$10000.00} ( I was told I would owe once transferred ). I immediately called XXXX XXXX and was told that in order for my loan to be forgiven I would have to pay 240 payments ( which is 20 years ) before my loan would be forgiven. 

As I expressed to Mr. XXXX, I feel that I was mislead and that details of the program were withheld to get me to change loan servicers. I would have NEVER consolidated my loan to wait 20 years for them to be forgiven. The total amount of my loans {$59000.00} have been placed on my credit. The Fee and Service Agreement I signed only has me repaying $ XXXX- which further supports the deceptive tactics used to get me to change lenders. This program does NOT benefit me and am asking that an investigation be open on XXXX XXXX XXXX XXXX and XXXX for fraud and false advertising.

Company response to consumer: Closed with explanation