vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Advantage One Credit, LLC
State: CA

Complaint narrative:
Advantage One Credit LLC has disappearedXX/XX/XXXX I have paid off my title loan I took out in XX/XX/XXXXand they have NOT released my lien on my car. They have athe original phone number disconnected and I have tried all numbers. Until last SundayXX/XX/XXXX I looked up the website there is a new 888 number but I have called over and over no answer or call back however the out going message has changed twice. I have emailed multiple times as well. XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma will not give me any information except a lawyers number who says she cant help me or any of the many people calling her. She did mention that she would let the new lender know and she told them to put a new number on the website. So she knows more then she is sharing. Yet still no contact from anyone. I have found multiple articles that they do not hold a licence in many states including Washington XXXX XXXX XXXX-not-licensed-washington-state I have information I will gladly give you with more details. They were unprofessional and not currant with any of the statements. I agreed to pay more just to close the account sending in a extra {$200.00} because they stated WE FEEL LIKE YOU NEED TO PAY MORE ..I have never heard of a company that said that They FEEL? AT this point I am going to the next level including the press I have started several complaints including FTC & DMV Please help me Thank you a very frustrated consumer

Company response to consumer: Untimely response
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc.
State: NE

Complaint narrative:
This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2017, I received a collection call from a collection agency named XXXX and XXXX ( XXXX ) XXXX. The debt collector stated that he was attempting to collect a debt on an old credit card with HSBC that was about 7-8 years old. I do not recall having a credit card with this company but I if the debt was incurred, the residency of my state ( NJ ) has a statue of limitations on collecting credit card debt for only 6 years. This would make the collection attempt illegal and in violation of fair credit collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
After viewing a copy of my credit report, l noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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 2017-08-16 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Citibank credit card since 2008. Recently, I was going trough my credit report when i noticed the balance on my Citibank credit card i have on auto-pay does n't seem to be going down. I then contacted Citibank and they proceed to tell me that i have had a service called " Payment Safeguard '' activated on my account ( which i never authorized ) and it had been charging my credit card a monthly amount to have the service. So i was paying 26 % interest on the account, along with a $ 20+ monthly " safeguard fee ''. I was never contacted by Citibank to warn me that this was occurring, either by phone or mail. This is the most outrageous thing i have ever heard. I did not request to have this service and i want a refund for the money that is not theirs.

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 monetary relief
Consumer complaint received 2017-08-16 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: DC

Complaint narrative:
In XXXX 2015 I was prescribed XXXX XXXX by XXXX XXXX XXXX XXXX. They told me before my sessions that it was covered and I only owed a copay. A few months later I received a bill for the full cost of the 4 XXXX XXXX XXXX {$550.00}. I told them I did not owe that amount because insurance was supposed to cover it and I never heard from them again. The amount was then sent to I.C. SYSTEM INC for collections even though I disputed that I even owed them money in the first place. I contacted the collections agency and indicated the amount was in dispute. Now I have negative marks on my credit report. I do n't owe this money.

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 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Several weeks ago I sent a request to have an alledged debt validated that is appearing on my credit reoorts. I have made several attempts for proof of debt but I have recieved nothing in written. I do believe ProCollect Inc is inaccurately reporting on my credit report and they are stalling. Here is the last response I have recieved on XX/XX/2017 '' The debt is updated as a disputed debt. The proof of debt has been sent to the consumer to validate the debt. ProCollect is licensed to collect in the State of Texas. The consumer can contact our office at toll free XXXX my extension is XXXX ( XXXX XXXX ) to get this matter resolved Thank you for your time and patience in this matter. '' I have yet to recieve another in writing. This is not the 1st time I have asked for proof of debt. By law this company is breaking several laws according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase misleadingly signed me up for a prepaid account. I thought it was a checking account. Also i used the card to withdraw {$5000.00} cash on XX/XX/XXXX and then online to pay dmv fees on XX/XX/XXXX. The charges online for hotel and online shopping auctions as XXXX XXXX and XXXX charged over {$17000.00} and i called chase immediately made a claim was told 90 days never heard from them called multiple timea to be put on hold for hours with no solution. Im furious and feel i should not be treated this way for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I sent email in writing to remove PMI and both times it was rejected. So I waited for a few months more. On XX/XX/XXXX I sent a copy of the recent a appraisal we did on the property to proof that the value has increased. PMI department is saying that we can not do just any appraisal. We need to wait till next year and regardless of the value increase. PMI dept also said that the only options are that we either wait till next year XX/XX/XXXX, pay lum sum or proof that we have done any improvements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond

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 2017-08-16 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: CA

Complaint narrative:
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have tried numerous times asking National Credit Systems to send me information to verify an alledged debt on my credit report. To this day I have yet to recieve anything in written. It is my belief this company keeps stalling because they do not have any records. According to FCRA I have a right to ask for written verification of anything on my credit report that I believe is inaccurate.
Their last response a few days ago was they were going to contact the credit bureau.They also asked me to send any information to help them verify the alledged debt. I do not have information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
Near the end of my lease at XXXX XXXX of XXXX, I went into Honda to see how much it would cost me to finish off my lease. At the time they told me that I would need to get an inspection. I took it to XXXX XXXX XXXX to get my end of lease inspection. Upon the inspection I was asked by XXXX XXXX of Honda if I wanted to " sell my car to XXXX XXXX  XXXX to avoid any other fees ''. I said yes and was told that with my signature, the car and any leftover payments were no longer my responsibility. At that time, I asked about the turn-in fee that they are now trying to hold me for. I was told by XXXX XXXX XXXX that " you will not be charged this fee, because you did not turn in the car, It was sold to Honda. '' I then checked my account a few weeks later and saw that I was being charged the XXXX fee that I was told I would not be charged. I called XXXX and he said " do n't pay it and have them call me '' Which I did. After days of phone tag I was told that they were mistaken and that I owed the fee. If I had known this I would have paid it immediately as I had the money at the time. Now, I do not and feel like I am being given the runaround and being taken advantage of. I have since sent several letters about this matter that have been completely ignored by American Honda Finance. I have also been told in a letter that my account has been charged off and will be sent to a collection agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Step 1 : What is this complaint about? I complained about Nelnet a few months ago. I have an existing account with CFPB : XXXX. Step 2 : What type of problem are you having? I was not contacted that my income based repayment plan application was not received or offered assistance to complete the application even after they reported to CFBP that they received my complaint.
Step 3 : What happened? I called Friday XX/XX/XXXX at XXXX and spoke to XXXX or XXXX for 9 minutes about my income based repayment plan application. They told me that my income based repayment plan was not currently applied and that I never submitted the application. If you read my complaint you will note that I received an e-mail stating that I was approved for the income based repayment plan. Sure enough, I was offered and I accepted the one month forbearance which just catches up my account. The monthly payment of about {$1500.00} is too much for my income and my credit rating has gone down because of this! Step 4 : What company is this complaint about? Nelnet Step 5 : Who are the people involved? I have the usual contact by email but not on this issue. I spoke to XXXX or XXXX on Friday at XXXX for 9 minutes and explained what had happened and she gave me the one month forbearance. She said, we never received your application for income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

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 2017-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: CA

Complaint narrative:
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

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 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A deposit slip was filled out with my account number, name etc. and {$100.00} cash was with it to be deposited into my checking account on XXXX XXXX, 2017. The deposit was made into my account and cleared. Several days later on XXXX XXXX, 2017 an adjustment to my account was done without my consent or knowledge deducting {$100.00}. I spent many hours and phone calls trying to figure out why? None of the Bank of America representatives I spoke with could figure out what the issue was. I was given case # and reference # for each call told someone would get back to me and advise me what the issue was and no one ever did. I continued to call in with still no explanation or resolution. I received a letter stating that a posting error was made to my account but no further details were in the letter. One representative told me to go to my local branch and speak with the Bank Manager and that they would be able to resolve the matter and credit my account back the {$100.00}. Not the case after going to the local branch which I was at for three hours, the lady that was supposed to be helping me brought me to her desk called customer service on her phone handed me the phone then she grabbed her purse and lip balm and exited the bank I saw her get into her vehicle XXXX and drive off leaving me at her desk on the phone on hold. I stood up and motioned for another lady which turned out to be the Manger XXXX XXXX she was shocked at what her worker did and apologized. She was able to figure out what had happened apparently the teller that handled the deposit on XXXX 2017 realized that the person making the deposit who is also a Bank of America customer his account was in the negative so the teller made the deposit to my account as the deposit slip reflects but then she also applied the same deposit to his account as the back of the deposit slip reflects with his account number. She mentioned something about the system that Bank of America uses XXXX and that the error was discovered and that is why they took the {$100.00} back out of my account. This error was made by the teller and has caused me a great deal of inconvenience, frustration, stress and time. I have been a customer with Bank of America for over twenty years and I no longer believe in this institution after what I have gone through. I spoke with several employees and not one knew what was going on. Money was just taken out of my account and it still has not been credited back. I was informed by Bank of America representatives that once a deposit is made especially cash there is no way to go into a customers account and take it out which is what was done so I as well as the Bank of America employees were concerned and at a loss.

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 monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt

Company response to consumer: Closed with explanation