vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC.
State: OH

Complaint narrative:
This is in regards to Gold Key Credit / XXXX, we are working to make sure our credit reports are free of bad marks as we want to buy a home in the near future. On our credit report are 2 bills listed for this company. I contacted the company to make arrangements for payment and wanted to see about making a settlement offer to clear the debt from our credit report. <P/>They told me the bills were medical bills for 2 separate dates for a company names XXXX XXXX XXXX XXXX XXXX XXXX 's hospital. I was advised by a XXXX that they could not accept a settlement because the original creditor had n't authorized any settlements on the account. The bills are from XXXX and XXXX and XXXX admitted that her company ( Gold Key Credit ) had not sent anything to us since XXXX and she had no idea why. She said the original creditor did n't send them contact information from us so it just went to an aging account. She did however have my current address and read it back to me so why did n't they attempt to notify us by mail? I asked for contact information for the original creditor and was told they could n't provide me that and when I XXXX the company I could find nothing for them. I contacted the hospital and was told by 2 different departments that they had never heard of this company ( XXXX XXXX XXXX ) and that it sounded like we were being scammed. <P/>I contacted Gold Key Credit back and asked to talk to a supervisor and was told I was unable to speak to a supervisor one would have to call me back because they do not transfer calls. I was told by XXXX that she placed my account in dispute and that sometime in the next 30 days I should get an itemized bill. <P/>In the mean time I ca n't get this removed from my credit report even though this collection company did nothing to even try to notify us we owed this debt. How is this allowed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  AMERICOLLECT  XXXX   XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by i dentity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted fr om identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious AMERICOLLECT  XXXX   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act L itigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of Cal iforn ia Stop collec tion proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX   XXXX  SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  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 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: ME

Complaint narrative:
I have not been contacted by  XXXX  (  XXXX  ), in regards to an email I sent in regards to this matter. I emailed several entites in regards tom this serious matter, including billing the wrong debit card, etc. The last contact was in regards to removing an incorrect email address. I have not heard from  XXXX  since my attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I checked debt collector on this because this is what this company represents them selves as. I am writing ab out Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 payme nts of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received millions of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> 
I have also may times asked for them to send me a copy of   the  Pooling and Servicing ag reement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  I C  SYSTEM INC   XXXX  AND I C SYSTEM INC  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale  or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from iden tity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I C  SYSTEM INC   XXXX  AND I  C SYSTEM INC   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in th e U.S. District Court for  the  XXXX   District of  Califo rnia Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  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 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On  X/X/17    I called portfolio recovery associates @  XXXX  regarding a debt that they purchased from   XXXX    XXXX  and spoke with  XXXX   XXXX . I stated that in no form or fashion that I am admitting to the debt that is trying to be collected, I am simply trying to make a settlement payment and not payment arrangements because it is not my debt but being reported on my credit report. The operations manager sta ted (   XXXX   XXXX   ) t hat this debt is in a non-collection status because it was being disputed. He stated that in order for me to make a one time settlement payment I had to state that " I was not disputing this debt ''. I stated on a recorded line that " I am not admitting to this debt in no form or fashion and I am simply stating that I am willing to make a good faith payment for the account that is not mines to be removed ''. He said okay lets make this a " win win situation '' so that it can be taken care of. He stated that the settlement amount would be {$420.00} and came back on the line and said what portfolio recovery purchased the debt for and {$680.00} on a debt of {$790.00} that is not mine. Even though portfolio recovery associates purchased the debt from   XXXX     XXXX , when I contacted  XXXX   XXXX  they stated I do not ow the debt to them. I have nothing to do with this company purchase,  XXXX   XXXX  stated I do not owe the debt to them so I am disputing the debt with this company as debt that is not mines. This debt can not be validated with copies of statements there is NO CONTRACT/ AGREEMENT with portfolio recovery associates FOR THE AMOUNT BEING STATED THAT IS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a fraudulent charge on my credit card by a gas station in the amount of {$150.00} on  XX/XX/XXXX and a  XXXX  transaction in the amount of {$1000.00} on  XX/XX/XXXX . We had not taken notice of these charges when they occurred and it was brought to my attention when I printed out the annual report for the credit card in late  XX/XX/XXXX . We paid the credit card at the time because we have another credit card with this company and we owed just about the same amount and the confusion of paying this credit card occurred because we thought we were paying the other credit card. I contacted the credit card company and they immediately deactivated my credit card. It took a few weeks before I heard back from them indicating that they were unable to help us out by returning our money because we have had the same address and we received our bill. I told them that we oversaw the charges thinking we were paying our other credit card from them. They just insisted that they could n't help us. They have a whole fraud department and they were not able to help us get our money back???? Are n't they supposed to catch these type of transactions? I contacted the gas station and spoke with t he manager an d she stated that the gas station would red flag any charges above {$300.00} because that exceeds a normal transaction charge. They said they would n't be able to help us out because I was contacting them in  XX/XX/XXXX  and the fraudulent transactions had occurred in  XX/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 2017-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In  XX/XX/XXXX  we initiated a Modification of our mortgage through Bank of America and the Making Home affordable program.   We received a letter  XX/XX/XXXX , that The Home Affordable Modification Program " Has expanded its Pay for Performance incentive to include an ADDITIONAL {$5000.00} payable after the six year anniversary of your Trial Plan Effective Date.   We were very excited to receive this letter, however, Noticing it says " additional '', I looked up the   XXXX   XXXX   XXXX  , To see what the incentives were and found that we were to receive {$1000.00} per year for each of the first five years of our modification if we made our payments on time. We did not receive, so I called in  XX/XX/XXXX  to inquire as to why we did not receive the {$1000.00} per year, each of the first five years. We did receive it in  XX/XX/XXXX .   Now, our sixth Anniversary of o ur Trial plan has come and gone and I have reached out four times to four or five customer service representatives to inquire about the " Additional Incentive '' and have been told three different reasons  why it has not been applied to our mortgage. According to   XXXX   XXXX   XXXX   It says Through the Home Affordable Modification ProgramSM ( HAMP ), you could earn up to {$10000.00} in principal reduction just for making your mortgage payments in full and on timeup to {$1000.00} per year for the first five years and a {$5000.00} one-time payment at the end of year six. After year  six,   yo u may be  eligible to recast ( or re-amortize ) your reduced mortgage balance to further lower your monthly mortgage payment for the life of the loan.   We were also told we qualify for the incentive, but have to Recast the mortgage to receive? According to the  XXXX   XXXX  and   XXXX   XXXX    Bulletins, We may b e " offered '' to Recast, but it is not mandatory to receive the second incentive. We were told it was by a Bank of America Representative  (   XXXX   ) i n the  XX/XX/XXXX  call, recorded by your company at  XXXX   XXXX .   Any help in solving this issue, is greatly appreciated.

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 2017-06-06 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NV

Complaint narrative:
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX) to the loan and the credit bureau is still showing that the XX/XX/XXXXand XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX ) to the loan and the credit bureau is still showing that the XX/XX/XXXX and XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.

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 2017-06-06 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: IL

Complaint narrative:
Addresses listed on my credit report are not mine. Only the  XXXX , IL address is mine. I have never lived at the other  XXXX  addresses and need them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.

Company response to consumer: Closed with explanation