vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
Accelerated Financial Solutions violated fair credit reporting laws! They reported a debt that I called and disputed before they reported it. I disputed the validity of the debt before the 30 days that credit reporting law allows, and they reported it anyway! Now it is showing on my report and made my credit go down and I am disheartened by them violating my rights and degrading my credit score. On XX/XX/XXXX Accelerated Credit said they would not be reporting/stop reporting and then reported it to the credit bureaus on XX/XX/XXXX, and I want it deleted immediately, per fair credit reporting act law. Find copies attached. 

Accelerated Financial Solutions , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX : Case # XXXX, XXXX XXXX Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by XXXX XXXX. We understand that XXXX XXXX is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion XXXX XXXX would like ( email, fax, etc ). 

If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 


Sincerely, Dispute Resolution Accelerated Financial Solutions , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: NE

Complaint narrative:
I have Private Mortgage Insurance on my mortgage loan. Each month around the XXXX or XXXX of the month, Plaza Home Mortgage Inc. takes {$240.00} from my escrow account to apply towards the PMI. This month, they took {$240.00} on XX/XX/XXXX. On XX/XX/XXXX my mortgage was paid in full 100 %. However, they took a 2nd PMI payment out of my escrow again on XX/XX/XXXX in the same amount of {$240.00} even though they had already taken it out on XX/XX/XXXX and even though the loan was paid in full. I attempted to communicate with them and asked them for an explanation and have received no response back. 

This does not seem like a fair practice and quite frankly, appears to me to be fraudulent activity to take a 2nd payment out since the loan was paid in full and I do not believe they should be able to take another PMI payment out unless there was still a balance the next time a payment was due, which there would not have been. Something does not seem right about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My complaint is against XXXX and Experian. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.

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 2018-01-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reliant Capital Solutions, LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2018, I received a call and a voicemail from someone identifying themselves as an " authorized representative of the Ohio Attorney General. '' He represented that he was " with Reliant Capital Solutions ''. Obviously a state Attorney General would not authorize a debt collection company to contact people on its behalf. This tactic is deceptive and undermines the both the role of the Attorney General as upholding the law, as well as undermining the rule of law in general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 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: United Student Aid (USA) Funds
State: MD

Complaint narrative:
XX/XX/XXXX {$2600.00} XX/XX/XXXX{$3500.00} I have tried numerous times to talk to them about some type of payment plan and they refuse to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN AND XXXX REFUSED TO UPDATE MY PERSONAL INFORMATION

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 2018-01-15 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: NC

Complaint narrative:
My complaint is against Transunion and XXXX. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN REFUSED TO UPDATE MY PERSONAL INFORMATION ETC PLEASE SEE ATTACHED FILE

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 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
XXXX suspended my account and froze my money without giving me any explanation. What can I do to restore trading functionality and get my funds back? 

XXXX case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bayside Capital Services, LLC
State: MD

Complaint narrative:
Was contacted by this company after entering a payment arrangement with a previous company ( XXXX XXXX XXXX ). I was unable to make a payment until a month later and they stated it would be considered a refusal to pay despite having made multiple payment arrangements. I was bullied into payments by that company who threatened to sue me and garnish wages via phone call. When Bayside Capital Services contacted me it threw up a red flag because they stated I owed more than the previous company after having made multiple payments. I contacted my bank to alert them of the practice and believing the debt was valid through themand after a very upsetting phone call entered a payment arrangement through this company. I still felt uneasy after these call and connected XXXX XXXX XXXX who was the original creditor. They stated XXXX XXXX was the collector on the account. I contacted them and while speaking with someone was hung up on twice and in the third attempt some with someone named XXXX who sounded exactly the same as XXXX from Bayside Capital Services. The guy was extremely rude and told me to hang up as if I was being rude in explaining my situation. I refused to give my social security number because I was told they could look it up by name. I was seeing to give the last four and they stated they never had the account. I contacted XXXX from Bayside Capital again because I was leary about the situation and he started they would tell me that they owned the chain of title which they did not. When they call me back it is on a restricted line. I contacted him this morning after doing additional research and learned the internet address they provide is invalid and their phone numbers do not match up. I explained the situation and he began to get nasty with me. He also misrepresented the company by stating they were XXXX accredited. I checked the site multiple times and it did not state they were accredited. He called me a liar when this was brought to his attention. I asked for a copy of the phone call and chain of title and he said that my payment arrangement letter was a copy of that information. But it did not have any information about the company the debt other than the payment arrangement which was to be collected by debit card. This also threw a red flag to me as the previous company requested a debit card for payment as well. When asked for a copy of the call he rushed me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
I am an identity theft victim. I made my FTC report before Crown Asset Management took legal action against me. I never received the letter that I could dispute the debt. They keep claiming it was sent to my address, yes but I never got a hold of them. The XXXX that is in charge of my account was being condescending and was putting words in my mouth, basically to say what he wanted to be recorded on the phone line. I too recorded him just like they had me on a recorded line. The lady I spoke to before was really rude, told me that just because I am an identity theft victim does not mean that I am not responsible for the money ; accusing me of having given someone authorization to use my card. I requested a file disclosure from the debt collection agency and then they want to send me all these affidavits and court papers to prove that I am victim of identity theft. I have proof that accounts were opened under my identity and did not belong to me. I do not feel like returning those documents to them. They have caused me so much stress, and anxiety. I want someone of the higher ranks to tell this company to not belittle individuals, nor force or incriminate us as delinquents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX to make a payment on my car. I advised the representative, that I have been out of the country and I have tried to pay online several times, but the system was not allowing me. I am now 31 days past due ( Back home in the US ) She looked in to it and found out the reason the online portal was not allowing me to make a payments was because of an invalid address. I have mentioned to Carmax in the past that I am in the process of moving, that currently I did n't have an address. She insisted that I can not make any payment until I update. I gave her my parents address. Representative also mentioned that Co- Borrower Keep on returning mail to Carmax . I advised them in the past about this issue. Co- Borrower lives in a XXXX/old people home. He does not receive mail there so that is the reason why Carmax is getting " return to sender '' mails.

I feel like I should not be penalized for not making the payment since the online portal did not have a clear message to why I could not make a payment.

Carmax is now reporting me late, but this was because of them. I tried to make a payment several times. I was out of the country I could not make a phone call, online was the onlyway I could make a payment. Carmax should not have that feature if not available at all times. 

This is the first time my account went to 30 days past due. I am almost finished paying this car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PNC Bank N.A.
State: MI

Complaint narrative:
They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: GA

Complaint narrative:
We received a telephone call from ( XXXX ) -XXXX at XXXX XXXX on XX/XX/2018. When Our answering machine came on the caller hung up without leaving a message. We looked the number up and learned that this caller is a Debt Collection Agency by the name of Allied Interstate. We are Seniors. We do not have any outstanding debt. We do not want these People calling Our Home ... especially at unauthorized hours and not stating the nature of the telephone calls. If These People have a Legal Debt They're attempting to collect ... It would seem that the initial step would be to contact the Individual in writing via U.S.Mail. We don't owe any monies to anyone. We are requesting Your assistance in stopping these harassing and illegal telephone calls. Please Help Us. Thank You. ~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 2018-01-15 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: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
I have contacted these companies as these accounts were included in a chapter XXXX bankruptcy and upon health problems which was a XXXX XXXX and unable to work my bankruptcy was dismissed. These accounts went into a charge off status and when I was made aware of these accounts, I diligently Made the necessary steps to correct these reports by paying the balance made the necessary steps to correct these reports my pay and the balances on these accounts, They are misrepresented on my credit report and all statuses pertain to in these reports by these creditors should reflect that these accounts are paid and they are not collections and they are not charge-offs. I am willing to work with anyone to make these corrections by any means they suggest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX AND TRANSUNION REFUSED TO UPDATE MY PERSONAL INFORMATION

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 2018-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hello, I consolidated all my loans ( Federal stafford, Graduate plus, etc ) back in XXXX Navient. Navient left out 7 loans from XXXX & XXXX from the consolidation and never offered to add this loans back into one consolidated loans even though they were eligible. Now when I am trying to apply for Public Service Loan Forgiveness program, I am being informed that not a single payment made for the last 7 years under the IBR will not count towards the forgiveness program. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Date of service : XXXX/XXXX/XXXX {$89.00} Collection Information XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX The reason this was NOT paid was because my entire XXXX bill was under dispute for at least 6 months due to incorrect coding. WHen it was finally resolved by the physician, I thought that this was part of my coverage. Evidently it was a separate service I owed them this amount. I should have paid them at the time but completely forgot. 

My issue has more to do with the collection agency -they left me ONE message about 2 weeks ago. They claim that they sent me a notice. They DID NOT! I paid the bill in full but again, they should have sent me a notice in the mail and I know they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Over the course of the year XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XXXX & XXXX. I ask that all inquires be removed off my 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 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: MA

Complaint narrative:
On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.

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 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Protection Association, L.P.
State: NC

Complaint narrative:
My complaint is with Credit Protection who is trying to collect on a XXXX XXXX account from XX/XX/2011. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit 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