vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( 8th Cir. XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 )  and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have never done business with Ad Astra Recovery System. I do not have a signed contract not any contract with Ad Astra Recovery Systems. I have the right to demand to see a signed contract between Ad Astra Recovery Systems and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
OnXX/XX/XXXX, I received a debt collection letter from A.R.M. Solutions, Inc. about a {$19.00} debt from their referenced client XXXX XXXX XXXX ( XXXX ). I returned the original letter, wrote them a cease communications letter and sent them via certified/return receipt mail onXX/XX/XXXX. <P/>A.R.M. Solutions, Inc. received my documents on XX/XX/XXXX. In my cease communication letter, I explained them I will be contacting XXXX about this debt and I do not want to deal with A.R.M. Solutions, Inc. <P/>The debt was written off sinceXX/XX/XXXX when I called XXXX. <P/>A.R.M. Solutions, Inc. ignored my cease communications letter and sent me another debt collection letter which I receivedXX/XX/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 2017-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Dear : XXXX XXXX Address : XXXX City : XXXX State : TX, Zip Code : XXXX Social Security Number : XXXX This letter is to notify you that we will precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf to recover your debt. <P/><P/>Why am I receiving this notice? <P/><P/>The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice ; Garnish wages owed to a Debtor after Small Claims Court would make an order that you owe money. On XX/XX/XXXX, we  received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$1400.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. <P/>What is garnishment? <P/>Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. <P/><P/><P/>The following applies to you : Before you are arrested : - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. <P/>When you know a warrant has been issued, you should E-mail us on to discuss your options. <P/>After you are arrested : - Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the Court house. <P/><P/>IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY US THROUGH EMAIL BETWEEN WORKING HOURS AND RESOLVE THE MATTER. <P/><P/>Sincerely, Sr. Investigation Officer DEBT COLLECTION DEPARTMENT Working Hours : XXXX XXXX to XXXX XXXX CST ( Mon-Fri ) XXXX XXXX to XXXX XXXX CST ( Sat ) XXXX UNITED STATES OF FEDERAL MANAGEMENT Copyright XXXX XXXX | Privacy | Terms of use XXXX.ONLINE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX , XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

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 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I have never done business with Residentcollection inc. I do not have a sign contract with Residentcollection inc. I have the right to demand to see a signed contract between Residentcollection inc. and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in    1991  at which time was only  XXXX   years old. T his person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My trial loan modification was approved in XX/XX/XXXX with the first trial payment due XX/XX/XXXXand if completed satisfactorily by making 3 months ' payments on time, would convert to a permanent modification in XX/XX/XXXX. I completed all payments on time and have continued to make on-time payments however to date, I have not received my permanent modification agreement! As well, despite my on-time monthly payments, the servicer is continuing to negatively report delinquency on my credit. I have contacted the servicer repeatedly and get a different answer each time varying from, " we have not received investor approval as of yet on your modification agreement and are working on that '' to the most recent answer of " we are having an internal issue with our servicing system and are working to resolve this issue. '' Per regulation, they had 30 days to provide me my permanent modification agreement and it has been over 120 days. Please help as I am not getting any resolution from the servicer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I attended  XXXX   XXXX   XXXX  for  XXXX  back in   XX/XX/XXXX  t o  XX/XX/XXXX  a  nd I got a student loan through a company called Navient, when  XXXX   XXXX   XXXX  close down back in  XX/XX/XXXX , my loan was sold to a company called  XXXX   XXXX   XXXX . Today when I checked my paycheck stub I notice I have a wage Garnishment for the amount of {$100.00} I notified my employer to ask who is the person taking the money out of my checks and my employer told me it was from  XXXX   XXXX   XXXX   XXXX  I have never received a summons in the mail or any notification that I was having a wage garnishment was being done. I have spoken to represent from  XXXX   XXXX   XXXX  in the past and told them that Im Not able make payments because I just started my job as a flight attendant and I have not heard for them and now I am having money taken out of my paycheck! One, I did not complete my education at  XXXX   XXXX  so I should not be punished for a college that committed fraud and now I have to pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
This collection agency keeps disputing my request to validate who they are, this is the third letter between us and every time I asked the debt collector, Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. and all they keep sending us is a copy of this lease agreement. I keep asking this collection agency these questions so we can move forward but they have disregarded my intent for them to prove who they are.Also, this collection agency did not contact me and my mother within the five ( 5 ) days of them retaining this debt. I 've also stated to this collection agency three ( 3 ) times that this debt is in dispute and that we do not owe this debt that this apartment complex is saying we owe but yet, national credit systems is not trying to here it, and are still reporting this debt as validated to all three credit bureaus in which is harming I and my mother credit history .Do we have a case? Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I lost my personal belongings with my social security information years ago and i notice while checking my credit report, XXXX notified me letting me know of a unusual activity on my credit report, while looking at it i notice this company Mid Land Funding on my report i disputed it with my credit bureau They did tell to contact them and they gave there phone number and i called them and they did not want to listen to me or try to understand my Identity theft Situation. AND THEY KEEP CALLING MY PHONE ON A REGULAR BASIS DISRESPECTING ME AND MY FAMILY. Please I need your help to get them off my credit report. this is the only negative thing i have on my report. And they are only showing up on my XXXX. Please!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 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:
I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened  in 1991 at w hich time was only  XXXX   years old. Th is person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

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 2017-06-29 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:
I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in   XXXX   at which time was only  XXXX   years old. Thi s person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.

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 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX i see in my credit score XXXX report me deliquent account, i di n't get email or something about that i 'm still owe {$300.00} pbecause termination but its okay so they give to ic system debt collection, i got letter from ic systemXX/XX/XXXX, and i pay right awayXX/XX/XXXXand ic system sent me letter i did n't owe anything else, but in my credit score i still owe them {$300.00}, they did n't report or what?? they take my money from debot cardXX/XX/XXXX,  can somebody help me thx because my credit score keep going down

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 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XXXX 2017, I applied for an American Express Platinum card that was advertised as " spend {$4000.00} for first three months and pay an annual fee of {$450.00} and you will get XXXX points, plus other benefits '', I sent {$450.00} fee and spent more than {$4000.00} as stipulated, and now when I went to get my points, they flatly denied that they '' ever had such a promotion, even though it still all over the internet, they also claim that what 's on the web is not their promotion, but when you call one of those offering this promotion, you end up tight at American Express. This is clearly a deceptive and misleading practice by Amex, and I want either my XXXX points or return of my {$450.00} fee.I would not have paid a hefty annual fee for a card that I can without a fee. I also want my other points for the more than {$4000.00} that I put on this card, redeemed. This card is issued to me, it also mentioned my business, after denying that they ever had such a promotion, After denying that such a promotion ever existed, now they 're saying that this card is only for personal use and businesses are not eligible for it! even though there is no mention of such restriction anywhere!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already filed a complaint with other companies however neglected to file with the last and final repository company. I have a debt being reported to the Equifax credit bureau that does not belong to me however I have been unsuccessful with having the company remove the debt although it has been identified as belonging to someone else.

Company response to consumer: Closed with explanation