vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have a huge complant against this company ... .They allow delarship to sell cars that arent any good ... .i bought a XXXX BMW XXXX it has given me nothing but problems ... i spent over XXXX dollars getting the car fixed the first month of getting it ... the dealership refused to help pay and credit acceptance refused to credit my account for this ... since then within the lasts year over XXXX dollars have been spent fixing this car ... thats a WHOLE new car..my only resolution for this company is that im asking them to lower my pay off amount to XXXX to pay this vehicle off so i can be atleast see some of my omoney back ... i was unable to pay bills trying to get my car fixed being that i needed my car to get me back and forward to work.. i had to hustle other small jobs to help get this car fixed ... i do have copies of all the reciepts of how much was payed and credit acceptance refused to drop even XXXX dollars please hlep me with this ... this would help me sooooo much or we can settle we the past due amount im willing to do whatever to pay this car off this week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied Collection Services has me owing {$210.00} to XXXX XXXX XXXX from a XXXX/XXXX/14 medical office visit date of service. I 've been employed with my job for 11yrs with great insurance. I called XXXX and spoke with XXXX in the claims department for my medical insurance. She states they never filed a claim with my insurance company. There is a Nevada XXXX Rule. If the office does not timely file the medical claim with the insurance carrier THEY ARE RESPONSIBLE FOR THE BALANCE AND ARE TO WRITE IT OFF NOT BILL THE PATIENT FOR THEIR FAILURE TO BILL. THE DOCTOR 'S OFFICE HAD 24 MONTHS TO FILE WITH MY INSURANCE COMPANY AND THEY FAILED TO DO SO. I 'M REQUESTING THEM TO PROVIDE PROOF OF BILLING MY INSURANCE AND THEM NOT PAYING. IF THIS IS NOT PROVIDED THEY NEED TO CONTACT ALL CREDIT BUREAUS AND DELETE THIS INFORMATION FROM MY CREDIT IMMEDIATELY.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Allied Collection Services, Inc. (Nevada)
State: SC

Complaint narrative:
Allied Collection services was representing for XXXX XXXX and made an agreement with me for a pay to delete. The account was paid in full and still remains to show as a PAID closed account in collections on my XXXX 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 2016-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have a Volkswagen Jetta XXXX XXXX. When I got the car XX/XX/XXXX the car was having problems with the transmission. I took it to a dealer and they checked to see if I needed oil, or a new transmission. The guy that looked at the car had said the car was n't worth the money that I was going to put into it. I called the place where I got the car from which is XXXX XXXX XXXX. I spoke with the owner, I told him just what was told to me. The owner response was its nothing he could do about it because it was included in my 90 day warranty. My warranty was still active. I called Credit Acceptance and asked them what to do. They told me it 's nothing that they could do. I continued to pay on my car. I still drive the car because that 's the only transportation I have to and from work. It 's been two weeks today XXXX XXXX XXXX since I 've drove my car because it wo n't crank. It wo n't do anything. I had spoke with Credit Acceptance again and they told me that we could work out a way for me to make my car payments. I told them I could I pay on something I ca n't use. It 's been very stressful and just nerve wrecking not being able to work how I 'm supposed to.

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 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Two transactions were posted after the service was cancelled. I filed a dispute with my bank, but the denied my dispute, stating that they will not be credited because they were unauthorized transactions. This caused {$70.00} NSF fees as well as several {$5.00} daily overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX

Complaint narrative:
I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Associated Collectors, Inc.
State: WI

Complaint narrative:
A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Western Portfolio Assets
State: OH

Complaint narrative:
I received a phone call today from XXXX and XXXX claiming that if I did not pay {$900.00} within an hour that papers would be served. I contacted the original creditor, XXXX Bank who provided me with information on where the account was sold. This account was sold to XXXX XXXX XXXX who then sold it to XXXX XXXX who then sold it to XXXX for {$240.00} who then sold it to XXXX XXXX for {$240.00} who sold it to XXXX XXXX on XXXX/XXXX/2015 which was yesterday. XXXX claimed to have sold it to Western Portfolio Assets the same day. Western Portfolio Assets claimed their sister office, XXXX XXXX XXXX has the account. When I spoke to them and asked for a validation document from the original creditor they stated they do not have to since they now own the debt. 
How does the said debt go from {$240.00} to {$900.00}? This company who according to the Chain of Title just received ownership of the debt yesterday and has claimed to sent letters to my address over 30 days ago. I have never received a letter from this company or any company regarding this debt. They are threatening to take me to court if I do not pay the {$900.00} or an agreed upon amount within the hour. This debt is not on any XXXX of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Access Financial LLC
State: NM

Complaint narrative:
XXXX, a representative of Pocket Fund, contacted XXXX women from XXXX, stating he was calling them as I had listed them as references. XXXX disclosed the company name as well as went as far as stating he was affiliated with a loan company and the reasoning for the call was because they had not been able to reach me in regards to my delinquent account. 

At the time of obtaining this online payday loan, the only required provided information was my employer information, as well as residential, & banking account information. The XXXX women whom were contacted, I have no affiliation with. They live in XXXX, as I am in XXXX. XXXX of the women that were called, contacted my via Social Media to go as far as asking me why I took out a loan that I am not paying and listing her and her sister as references when we do not know each other. 

I had to apologize to this young lady for inconvenience, but I can assure you, it is rather embarrassing to have your private financial obligation to be discussed with a complete stranger. Mind you, my account is 18 days delinquent! When I contact XXXX he stated he did nothing wrong. To my knowledge, I thought the creditor was not to disclose even the company name, but rather inform the reference, or whomever if not the customer or consumer, that they are simply calling in regards to a personal business matter and are not authorized to release any other information BUT THAT! Still, XXXX insisted he did nothing wrong and asked how I wanted to pay my account today. He proceeded to tell me that if I did not pay that would lead to wage garnishment and I needed to take care of my past due balance.

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 2017-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IL

Complaint narrative:
On XXXX, 2016, I obtained a consumer form XXXX which is being serviced by System & Services Technologies Inc ( SST ). I am unable to obtain any monthly statements that will indicate payments made toward this loan. Their website only provides basic info, such as : date & amount of loan and monthly due date for payments. Why is this company obligated to provide regular statements to it 's customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
As of today 's date XX/XX/XXXX I have not received my end of year paper showing all of my taxes and interest paid. I called the lending group and I was told that the papers were mailed out XX/XX/XXXX. My son has the same financial group and he has not received his neither has XXXX other friends of mine so apparently this group has not mailed out their papers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is an address listed under places that I have lived that is incorrect. " XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX '' is listed as a place that I have lived recently and I have never even stepped into that state let alone lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is Public Record Information on my personal credit profile that I am challenging as being inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. Because this filing was NOT a completed or satisfied action, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By Consumer Law I have the RIGHT to know who the 3rd party entity that has reported this information as being verified in its accuracy. The Bankruptcy Court, a Federal Government entity has confirmed that they do not verify to the credit reporting agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax have reinserted previous deleted information that was deleted for more than a year back to my credit report. Also the refuse to grant me use or access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been having several issues with Equifax. I was recently doing some business with my bank when they told me they were unable to access my credit information because of a security alert that was placed on my account. I was aware of the alert because I placed it owing to the incident where customers information was compromised from the database of XXXX XXXX XXXX XXXX. I placed the alert in XXXX of this year and know that it should automatically be lifted in XXXX. However, I was not sure of the date that it would be lifted. I called Equifax and asked them to remove the alert from my account. The representative said she did n't see one and would speak with her superior. I waited to have this person come to say that she would be able to issue a credit report and resolve the issue ONLY if I sent in my driver 's license and social security card. I told them by doing so, my right to privacy would be violated and I will not send to them such personal information. She said she would not be able to speak with me further. After getting off the phone with Equifax , I decided to call XXXX, the representative there said they would only ask a few questions from my history to confirm my identity then they would remove the alert on my behalf. They did. On XXXX XXXX, I decided to compare my XXXX credit reports on XXXX XXXX. I saw that Equifax has given me a a lower score as compared to the other XXXX Bureaus. On the report, it showed that I have had only XXXX credit inquiry for this year. Equifax listed that I had XXXX. When I checked the details of that, it showed an Inquiry from " XXXX XXXX XXXX '' on XXXX XXXX, XXXX and XXXX ... XXXX hard inquiries from XXXX institution, XXXX days in a row. I called Equifax to resolve the issue, again they said they will not speak to me until I send my Driver 's License and Social Security card to them. I do not plan to send any type of personal and sensitive information to them. I consider such request to be a violation of my rights and privacy and I do not wish to comply to those terms. Furthermore, that information is not required from others living here in the United States and I can not see why I am being singled out. This is my XXXX year living in the United States, I had been granted citizenship in XXXX of this year, I have worked very hard to build my reputation and my credit for the few years that I have lived here. I do not purchase the things that I can not afford and I remain satisfied with what I have worked for but I believe that Equifax is trying very hard to sabotage me and many other persons here in the U.S. because of their careless and nonchalant tactics in credit reporting. I must also add that Equifax has refused to give me my free credit report for this year. Any assistance from your entity to resolve my issue with Equifax would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in the original dispute showing that my bankruptcy was discharged in XXXX XXXX and that I in fact only have XXXX bankruptcy. I attached a copy of my discharged bankruptcy. I also, faxed Equifax copies of my ID, social security card, paycheck stub, and current utility bill on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Equifax. I disputed this account with Equifax , twice, but XXXX times they have refused to remove it. I have attached the dispute results information from Equifax as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Seriously Equifax , ca n't you just obey the law and end this back and forth, if you are XXXX that you were wrong, I 'm sure your health insurance has a XXXX to help with that. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have sent you nothing proving these debts are mine. In a call to all XXXX on XXXX XXXX, 2016 they confirmed it. You are breaking the law and I will do everything in my power to get my identity back.

Company response to consumer: Closed with explanation