vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I  respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account without notice saying the " terms '' have changed. 

I was not notified or contacted.

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/ - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court,XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX   ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent

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 2019-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My mortgage loan is from ditech. I have and was working for an in house modifcation which they had approved me and my payments began XX/XX/2018 of {$260.00}. They needed my authorization for the approval which i did several times and never received the approval documents how they had explained to me. Later on i come to find out i was denied but was never notified. They have me back and forth but i am XXXX and still making my {$260.00} payment as they had mentioned to me at first. The excuse, they are backed up. Loan # XXXX they changed my loan # number due to new system # XXXX Password to talk to me due to getting alot of scam calls- XXXX XXXX

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 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: MO

Complaint narrative:
I sent a friend of mine {$150.00} on one transaction and before that {$25.00} they locked both people 's accounts that I sent the money to with the money still in the account after the friends try to get back in the account or get a refund of the money they either didn't respond or kept saying that transactions can't be cancelled set that they needed to click a lost password link which never came to any email of theirs and they have never give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took out a loan with XXXX not knowing the interest being charged on the loan. I took out a loan for {$3000.00}, i have made 9 payments of {$390.00}, a total of {$3500.00}, the principle plus interest of {$510.00}!! Annual interest rate of $ 15.015 % a total of 24 pymts and will have paid {$6300.00} more than double the loan. I was not aware of this when I signed the loan. I feel I have paid the loan plus suffice interest and they should not be allowed to charge the interest they do and animadverting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX  account was called in and closed out by me, the consumer. I called to make payments on the account, spoke with representative from XXXX, and was advised this account can not be paid, no payments can be made. If this account can not be paid by me as a consumer then I want it 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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a call from Synchrony Bank re a fraud on a Steinmart credit card, XX/XX/XXXX. I cancelled the card that date. They automatically took XXXX out of my checking account when the account had been closed, this was done on XX/XX/XXXX. 

I checked the bill, called the company on 4 different occasions, was told I would receive a credit of XXXX for the amount taken out of checking account. 

There is no-one that can help me, no supervisor, just an endless amount of people that no nothing about the situation although all the notes are in my file. 

I have written to the synchrony bank XXXX XXXX XXXX XXXX, florida XXXX. 

I have asked for a supervisor in fraud department, and was told I can't talk to one. In the meantime, they have illegally taken XXXX out of my checking account on an account that was closed on XX/XX/2019.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
XX/XX/2017 I had filed for Personal Bankruptcy via Chapter XXXX. In the XX/XX/2017 the trustee of the Bankruptcy Court would not accept the Chapter XXXX filing due to the income levels stated by the laws of MD. Instead of pursuing Chapter XXXX case the trustee dismissed the Chapter XXXX filing. This is showing on LexisNexis as Chapter XXXX discharged. Then they are selling this information to XXXX, XXXX and XXXX XXXX as accurate information. I've spoken to the clerk of the Bankruptcy Court. In way, shape or form do they pass, sell this information to any Credit Bureau. This inaccurate information has to bought via XXXX  or some system that mines and sells public information. I've been negotiating with creditors to resolve debt. I can't have inaccurate information on my report if the debt on my original filling was never discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My bankruptcy case has been dismissed and I just asked SPS to send me a modification. Instead of sending me a modification package they threatened me to short sale my home. It is illegal for SPS to force me into a short sale and also it is illegal for SPS to not send me a modification package. Every homeowner in my neighborhood has received a modification package. SPS is not sending me a loan modification packs because I am XXXX. I have contacted my attorney and I have placed SPS under investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.

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 2019-04-15 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: GA

Complaint narrative:
I have already filed a complaint against Equifax and the company who wont remove a closed account on my file. Company name is XXXX is showing on my credit file as " charged off '' " negative ''. I have never had an account with this company XXXX. I disputed and filed a claim against their debt collection company name XXXX XXXX which has since been removed. But their original company XXXX has remained as closed account on my credit file. I have already stated neither accounts belongs to me! This company XXXX has yet to prove this account belongs to me. According the FCBA this company needs to prove this account belongs to me, otherwise stop reporting to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently experiencing identity theft. Equifax won't place a Fraud Alert on my account without me faxing them 2 forms of photo identification, after which it will take up to 30 business days to process. In the meantime, my credit is vulnerable to further attempts at identity theft. 

XXXX and XXXX were able to place fraud alerts immediately, while Equifax is trying to discourage me from doing so by making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these accounts are not mines

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 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
I have paid {$2800.00} on a loan for {$1200.00} and still have 3 payments. This loan is a t620.92 % interest. This should be criminal.

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 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX firm on XX/XX/2019 at XXXX am and after giving my name address and case information I was transferred to Representative XXXX XXXX XXXX direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from XXXX plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a XXXX. I was transferred to XXXX XXXX XXXX XXXX XXXX direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX firm. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called ADP and asked why the debt was not paid. I was told they could not release the funds to XXXX law firm until they received a " XXXX to XXXX Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage XXXX XXXX '' form. I called XXXX XXXX and informed him of the information I received from ADP. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
somebody fraudulently open a credit account for {$1100.00} under my name in XXXX   XXXX in XXXX Ca and I dispute directly with the company that reported the information in this case synchrony bank and my dispute claim was denied my synchrony bank, and also called the collection agency first source and I was told by then that synchrony bank denied my dispute claim as well. 
According to synchrony bank I have to pay this fraudlently account for {$1100.00}. 
This is not right, fair and honest. 
How can I pay something thay I didn't incurred or do? 
synchrony bank telephone ( XXXX ) XXXX XXXX XXXX telephoe ( 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 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX ocwen loan service sent escrow bill the bill states taxes for XX/XX/XXXX I XXXX XXXX do paid all my taxes to XXXX county tn and all my taxes are paid. I contacted XXXX at XXXX county tax she state ocwen did no paid any taxes for XXXX on XX/XX/XXXX and the statements for XXXX and XXXX have not been bill. I just remodify my mortgage and I do not owe ocwen for taxes .ocwen will not fix the issued.ocwen should be banned and ocwen mortgage license should be suspended in Tennessee and all ocwen mortgage account should be audit and all money return to all customer.

Company response to consumer: Closed with explanation