vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Resurgent Capital Services is reporting an invalidated account on my credit file that does not belong to me ( Reference number XXXX ). I have never done business with their client nor them. I spoke with someone name " XXXX '' requesting validation of this alleged account and why this company thinks they have the right to report this false information on my credit file. This company is violating my rights, federal and state laws under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery called me on XX/XX/XXXX18 at XXXXXXXX XXXX EST and on XX/XX/XXXX18 at XXXX XXXX EST. I've asked them to stop calling me at work. I do not own the phone number and I'm not allowed personal phone calls at work. The told the receptionist is was a business matter and it is not, its personal. I told them to send me what they are talking about in writing. They are trying to collect on a debt that is over 10 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Im trying to buy a house. So I seen a debt from Aragon agency for XXXX  XXXX I called Aragon they said they had no debt for me I asked to get something in writing and they said they couldnt give it to me. I called XXXX XXXX and they said they didnt have any debt and that Im a good customer with them and why would I owe them when I have service with my home now. They couldnt give me anything in write either. Now I cant get my home loan because I cant get anything in writing from these companies.

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 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery calls from various numbers throughout the country every day. They never leave a message and when I do pick up they hang up. I filed bankruptcy a few years ago and now I dont owe any debt or have any current debt, so I dont know why they are calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: FL

Complaint narrative:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck.

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Performance Settlement, LLC
State: NC

Complaint narrative:
I contracted with Performance Settlement, a Debt Relief Services company, to negotiate with my credit card companies and personal loan companies to settle my accounts for lower amounts. However, over the span of 2+ years, I paid them over {$7000.00} and Performance Settlement has not settled any of my account. They send me letters telling me the accounts were settled, however, when I contacted the companies all 4 said they had not received the payments as Performance Settlement informed me. In one case, PS debited my account {$640.00}. and paid into someone's account. All documentation is attached. Initially, I attempted to resolved the issue directly with PS. All I received was 'stonewalling ''. Then on XX/XX/XXXX, I contacted the XXXX. PS gave a feeble, inaccurate reply, which I countered every point. Although, PS is an active member of the XXXX and is required to reply to consumer complaints, the XXXX   has not been able to get another reply from Performance Settlement. The XXXX   referred me to you for assistance. Their website offers a 'money back guarantee ' if one is not happy with their services. PS should stop operating a sham and return my money. {$7000.00} is a lot of money to waste if someone is trying to get out of debt like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: FL

Complaint narrative:
This complaint involves the Key Bank organization.Specifically the collections department and an employee Supervisor by the name of XXXX. The circumstances are of a very cruel and vindictive nature. The origin of our calamity begins with the XXXX of our XXXX. My wife discovered our XXXX and now is no longer employed due to full blown XXXX.She applied for Social Security Disability and was awarded SSDI. It took many months and had an award date to accompany a direct deposit into our Key bank checking account. This deposit was for XX/XX/2018. On the XX/XX/XXXX my wife and I contacted Key bank to make sure everything was in order. We were assured everything was in order.On the day of the XXXX we were not able to obtain the funds from the ATM.Call to the customer service # for the Key Bank organization stated that the money was deposited. We then proceeded to speak with customer service of which we were told that our checking account had been closed in XXXX due to a XXXX overdraft fee and no activity for a certain amount of time. We then asked why was the money deposited into a closed checking account and why were we not informed on the XX/XX/2018 that the checking account was closed. Additionally we informed the customer service representative that the money came from Social Security and those funds are not applicable to collection or confiscation. We then requested to speak to the Supervisor. Her name is XXXX in the collections department. She informed us that the money would be sent back to Social Security of which should had taken place in the 1st place. All this communication took place on the XX/XX/2018. Furthermore I would like to add that neither myself or my wife are working and are in severe mourning and grief along with being severely financially strained. Well after 3 weeks we wondered where the funds were so we contacted Social Security and they stated that no money was returned. We were livid. So we then contacted the Key Bank organization.Specifically XXXX. She informed us that there was a technical issue and that was the reason for the money being witheld. To this date we still do not have our Social Security funds. Key bank did this purposefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
CONTRACT CALLERS INC ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Loan No : XXXX Freedom Mortgage keeps applying Escrow balance to every months auto payment. They know that I have selected no Escrow for my mortgage where I am paying separately for Mortgage insurance and city taxes. In-spite of calling every week and this issue is ongoing for the past 6 months, Freedom Mortgage has failed to resolve this internal clerical error that they have. They are not helping. 

It is unethical to charge a customer Escrow balance for insurance when I told them I do not want their bank issued insurance coverage. I have provided proof of coverage continuous since 2014. My Mortgage payment has gone up because of this unethical and unauthorized escrow balance. 

Freedom mortgage has created a Escrow balance of {$11000.00} that is entirely fraudulent. I called Their bank owned insurance company and there is no insurance policy set up. They are figuring out these alternate means to cheat customers and collect additional funds beyond the normal interest rate they earn through mortgage. 

I did a little bit of research for Freedom mortgage and there are many complaints about this mortgage company applying the same schemes to cheat customers and collect additional unauthorized funds on the mortgage.

I believe serious actions need to be taken to penalize this organization for their unethical business practices. I have wasted hours over the phone every week trying to resolve my situation but the outcome is going nowhere.

Regards, XXXX XXXX XXXX Please read the following supportive links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TN

Complaint narrative:
I moved into this apartment XXXX on XXXX. At the time I was in desperate need of a place to live so I was willing to pay just about anything to find a place to stay. They sold me on the fact they were planning on updating the place with new amenities. When I saw the suppose Demo unit for the place it was beautiful. Unfortunately they didn't keep any of their promises. I never received my in-unit washer and dryer, I never got my in-unit table but every month I was being charge the price of having all these amenities. 

I then contacted the office and the manager XXXX to figure out what was going on and he explained to me that everything would eventually be installed. None of what was promised happened. I didn't feel it was fair to be charged for something I never received so I explained to the office I wanted to move. They were extremely rude about the situation, the threatened to mess up my credit and never gave me any paperwork necessary to move forward with the process. I moved out all my belongings and returned their keys to them even after they informed me this my moving out would mess up my credit. Now they're charging me upwards of {$3300.00} when they didn't give me my security deposit back ( which I didn't expect to receive back ) and I honestly don't think its fair whatsoever and I would like it removed off my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have two collection accounts on my credit file that are fraudulent. XXXX is allowing this miscarriage of justice. Dr. XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/Capital One, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because XXXX is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and XXXX ; XXXX XXXX XXXX. XXXX XXXX/Capital One does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/Capital One puts it back on my credit report, and XXXX is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I received a payday/installment loan from XXXX XXXX ( also known as Bluechip Financial ) around XX/XX/2018 in the amount of {$800.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. The only information that I am able to view when I log into my account is the next payment due amount and current payoff amount. As of todays date- the current payoff amount is {$980.00}. I have been making bi-weekly payments of {$150.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, and XX/XX/XXXX18. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter 17 of Title 16 of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: FL

Complaint narrative:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

XXXX XXXX - ( CLOSED ) XXXX XXXX XX/XX/XXXX - INCORRECTLY REPORTING AS 30 DAYS PASSED DUE FOR XX/XX/2018 ; THIS IS NOT CORRECT XXXX XXXX XXXX XXXX - Account Paid in Full ; was a Collection ( Not my account ) I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX  = Inquiry from XX/XX/2018 - XXXX XXXX = Inquiry from XX/XX/2018 I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.

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 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX Bank Of America commenced assessing a {$12.00} account maintenance fee to my personal checking account. Per their policy, an account maintenance fee will not occur if a minimum of {$250.00} is directly deposited into the account monthly. 

From XX/XX/XXXX to XX/XX/XXXX my account received weekly direct deposits in which the monthly total was greater than the minimum of {$250.00}. However, Bank of America still assessed my account the maintenance fee of {$12.00} for each month.

When I contacted them making them aware of this error and requested the fees totaling {$140.00} be waived, they advised they can only waive the most recent fee.

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 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: GA

Complaint narrative:
This complaint is submitted by counsel as attorney for the complainant at his request. Complainant is a XXXX-year old double leg amputee and XXXX veteran. 

On XX/XX/XXXX, complainant had his checking account with Synovus Bank in XXXX, XXXX On that day, he visited a Synovus Bank branch and informed it of numerous unauthorized debit card transactions in his account. He was told the bank would fix it, asked not to close his account, and to make a police report. Complainant did so, making a full report to a police officer at the branch the next day. Complainant was not told of anything else he needed to do and believed the matter would be resolved by Synovus. Complainant visited the branch two more times to check on the matter. Each time he was told the bank would be telephoning him. It never did. 

Still having no word from Synovus, in early XX/XX/XXXX, complainant again visited the branch. He was told he had never disputed the unauthorized transactions, that he had to fill out the written form and that he could not recover anything for charges older than sixty days from that date. Synovus therefore denied complainant recovery for the month of XX/XX/XXXX, the month which had the highest amount of unauthorized charges. 

Synovus subsequently recredited {$2200.00} to complainant, but complainant has still lost over {$23000.00}, which Synovus refuses to recredit.

Additionally, complainant by letter to Synovus on XX/XX/XXXX and XX/XX/XXXX requested it to provide him with information and clarification pursuant to 12 CFR 205 et. seq. on : ( 1 ) All EFTs in issue from XX/XX/XXXX to the present for which Synovus failed to recredit complainants account ; and ( 2 ) All EFTs in the same period the investigation of which Synovus closed for alleged lack of information. Synovus has made no response to these requests.

Synovus conduct above violates Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have written in prior to complain about RPM that is listed on my credit and the original creditor is Direct TV that is shown in the amount of {$570.00}. I am writing this letter to inform the individual ( s ) again that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from 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
Consumer complaint received 2018-09-13 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: Risecredit, LLC
State: MO

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found an inquiry related to a cash advance loan that was applied for XX/XX/2018 using his information without his consent with Rise credit services. An official dispute of this information was mailed, certified with return receipt ( XXXX XXXX XXXX XXXX XXXX ) to Rise ; this dispute information was received and signed for XX/XX/2018. An additional dispute was faxed XX/XX/2018 to Rise. Rise has an obligation to conduct an investigation of this issue once the dispute is received and as of this date, per the original mail received Rise has failed to do so. This action is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with explanation