vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
I was approved for a pay day loan of {$500.00} from Acceptance Solutions Group on XXXX XXXX, 2016. As part of my agreement with the company, I was required to pay {$140.00} every other Friday ( my pay day ) until the total loan amount + interest was paid off. I set payments up to be drafted from my checking account initially. 

When I started struggling to cover all of my bills and noticed over draft fees were being charged I called Acceptance Solutions Group and asked that they remove my bank information from my account- I told the customer service representative that I would like to start making my payments over the phone manually. I was informed by that same representative that my banking and card information was removed from my account and I should n't expect any more auto drafts to take place. The very next Friday ( pay day ) I noticed that a payment was made with my card information ( not a bank draft, but they still used the card information that I had asked them to remove just a week prior ). I called Acceptance Solutions Group again and asked the representative to make sure that both my banking AND card information was taken off the account to prevent me from incurring any overdraft fees with my bank. The representative then got very frustrated that I asked this of him and transferred me to his manager. The manager got on the line and, in a very condescending and rude tone, told me that he would not remove my card information and informed me that they do not allow payments to be made over the phone or online manually because, " This is an online company so everything is done online. '' I was confused and frustrated at this point so I told the customer service manager that I would simply take matters into my own hands and turn my debit card off to prevent any future drafts from being made- despite what I had already asked the company to do for me TWICE. 

Acceptance Solutions Group has now called my cell phone and WORK phone and left personal information about my account on both my personal and WORK voicemails ( which are not private ). This is a violation under The Fair Debt Collection Practices Act ( FDCPA ) that expressly regulates calls to third parties in section 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall " not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
We are trying to sell our trailer that is in XXXX XXXX homes which is part of XXXX community. We have XXXX buyers interested in purchasing our home however when going through 21st Mortgage Company they required a {$20000.00} down payment however, they went and applied through the XXXX XXXX community and was approved on the spot with less money down on a new home and used home. We have been trying to sell our home since XXXX on our own thru a realtor and XXXX XXXX wants 10 % in order for us to sell our home thru them which is completely unfair because getting outside financing for anyone almost seems impossible. These XXXX companies are making it extremely difficult for us to sell our trailer on our own and we almost feel forced to sell thru XXXX XXXX or we wo n't be able to sell it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Admin Recovery, LLC
State: CA

Complaint narrative:
Since late XXXX of 2016, agents calling themselves either XXXX XXXX or XXXX claiming to be representing Admin Recovery ( XXXX ) have been contacting my mother and XXXX of my aunts about my XXXX debt. I 'm confused by these calls because my credit report from XXXX never mentioned any debt or transactions involving XXXX. I also never owned a XXXX any time after XXXX. I am particularly disturbed that XXXX XXXX told my aunt that he knows my parents are living XXXX. I have no idea how he could know this about my family. My family and I all feel that our privacy has been violated. Since these callers have only contact those in my family that are above the age of XXXX but never tried to contact me, I suspect they might be targeting senior citizens. These callers need to stop contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Intermex Wire Transfer, LLC
State: NC

Complaint narrative:
I sent XXXX $ threw Intermex to my mother in XXXX XXXX. In which I was charged XXXX $ for their service. On the XXXX of XXXX I received a text stating that the wire I sent has been collected. I then called my mother to see if she had received the money and informed me that she had not gone to the bank yet to which the wire was sent. I later called intermex and asked what had occurred and they replied that the money had been collected but they had not told me who did. Their website advertises safe secure wire transfers to consumers to love ones. I 've called them every single day to see how they can help me but to no avail they will not give me a straight forward answer and says it 's out of their hands it is now the XXXX of XXXX and no resolution in sight I must file a complaint and hope that I will find some kind of resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Northland Group Inc
State: WA

Complaint narrative:
No notice of debt was ever sent to me regarding a debt dated XX/XX/XXXX. I have also never received a medical bill from the durable medical equipment provider, XXXX XXXX XXXX in XXXX, XXXX I was told that XXXX does the billing for this XXXX provider ( never received a bill from them ) and XXXX third party collections agencies are used. At the time of service, I was dual insured with XXXX XXXX XXXX XXXX XXXX, so there would be zero out of pocket cost. I spoke with the XXXX provider & was referred to XXXX. XXXX informed me that it was turned over to collections XX/XX/XXXX. I never received anything in writing from the XXXX XXXX XXXX XXXX, XXXX ). XXXX claims to have received a " cease & desist '' from me XX/XX/XXXX which I never sent them. I never spoke with anyone or had any contact with this debt collector. On XX/XX/XXXX, the account was turned over to another collection agency, Northland Group XXXX XXXX XXXX, who claims to have sent debt letters to me and has left numerous phone messages. I have not received anything from this collection agency either. I am disputing the claimed debt. Northland Group then closed the account XX/XX/XXXX with " efforts exhausted '' & then reported me to the credit bureaus. I am also complaining about the fraudulent methods that both collection agencies have used. Furthermore, the XXXX provider has provided me equipment every 90 days over the last 2 years and has never told me there is an outstanding balance. The dates of service reported/billed are every 60ish days and I only got XXXX every 90+ days. XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX ), XXXX XXXX XXXX, & their collection agencies all have my correct/current contact information. Now I am being denied medical care and they are the only XXXX that has the medical equipment I require.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Everytime I try to cash my paycheck at XXXX or any other check cashing service in denied due to a company named Certegy. I do n't understand why everytime I call them they can never give me a reason why they deny me. This is not fair and a paycheck is a valid check! I have provided this company my id and asked for a copy of my file but nothing explains why they have me red flagged

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 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX. began sending me this bill in approximately 2011. My husband has a mortgage with same. However, I have not ever, nor do I now have an account with XXXX XXXX. I have ignored the bill until news broke recently that the bank was opening credit cards in the names of people without their consent. 

That is when I realized I could possibly be one of the victims. 

To the best of my knowledge, this bill has now been turned over to Northland Group , Inc. and they are now still trying to collect an amount I do not owe. As well, it is now a blemish on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Please see 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 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX which may or may not be his legal name keeps calling me from Nationwide Debt Management asking for XXXX people whom I do not know. He 's extremely rude when he calls me after I 've very clearly stated that he has the wrong number. After wasting several minutes avioding telling me who he works for, he finally told me he was calling from debt management and even though I told him he had the wrong number, he assured me that he was going to keep calling and harassing me. His direct number is XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: FL

Complaint narrative:
I called to North Group Inc. Because I received a collection bill from them, after providing them with all of my information for their verification, even though they sent a letter to my home with the enclosed bill, I was told that my date of birth did not match, even though all of my other information was correct, after speaking with XXXX different people I was told that there was nothing they could do and the only help they can give me was by deleting my address from the mailing list which it will not really help me since I can not even dispute the debt since my date of birth does not match, so in 30 days the debt will be recorded to collections under my name and social, hence why I am making the complaint asking for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Northland Group Inc
State: CA

Complaint narrative:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Admin Recovery, LLC
State: OH

Complaint narrative:
A collection agency is contacting my Mother, a XXXX year old with health issues. She told them i do not live there yet they continue to call. On one call they told her to relay the message if i do not contact them before XXXX they would be filing a complaint against me. First of all to tell a non spouse that any action is going to be taking against me is against the FDCPA. They were vague as to why a complaint would be filed which frightened her even more to death to the point when she was trying to give me the message she was unable to find the correct words which happens when she is stressed or flustered. They have one opportunity to leave a message after that the number should have been ceased and never called again yet they have made at least XXXX calls to her. This is a debt I am disputing as over the course of 3 years they continued to take the payment out on the wrong date causing me insufficient funds monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Other financial service — Check cashing
Issue: Disclosures — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.

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 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TN

Complaint narrative:
I received a letter dated XXXX XXXX, XXXX from a company called XXXX XXXX XXXX. They claim to represent Crown Asset Management LLC. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JLU Asset Management Group LTD
State: WV

Complaint narrative:
got a letter from a collection agency stating I owed XXXX XXXX dollars for an apartment I had six years ago. I called the apartment complex and they told me it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Nationwide Debt Management Solutions, LLC
State: DE

Complaint narrative:
A debt collection company named Nationwide Debt Management Solutions is contacting me regarding a debt with XXXX. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
This is being reported on my credit report. It is not mine. 

Agency Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Reported : XXXX Assigned : XXXX Classification : Medical/Health XXXX Name XXXX XXXX XXXX XXXX Number : XXXX Owner : Individual Account. 
Original Amount Owned : $ XXXX of XXXX XXXX Delinquency : XXXX Date : XXXX Owned : $ XXXX Payment Date : XXXX Date : XXXX : M - Wage EarnerComments : Bankruptcy chapter XXXX, Collection accoun

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be 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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complain is about my credit report information with experian.they have all my information swipe with my brother information like number of credits, loans, accounts.while other XXXX credit reporting companies have my correct information.when i call them ( experian ) they said there reporting unit is from XXXX, XXXX and they usually do this type of mistake and i need to pay for correction, customer services starting telling there packages.My concern is why should i need to pay for correcting my information on credit report ( my name, DOB, credit cards, loan ) if they have done mistakes I would like to mention that other XXXX credit reporting companies have my correct data.Now i have to apply for auto loan and this thing will problem until i correct its i want to request cfpb please a notice of this issue and help me to correct my information with experian .i have attached wrong credit report of experian. i will very thankful to you for your favor .Thanks for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is an account on my Experian report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with XXXX and the response I got was this account was 'VERIFIED '. Experian did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that Experian used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX XXXX, XXXX, XXXX, and XXXX are all accounts that do not belong to me. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through Experian. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have my credit frozen with Experian and XXXX. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief