vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have tried on two previous occasions to dispute this account through XXXX but they keep verifying it. I have never heard of this company before it showed up on my report. I have received no phone calls and no mail from them. I have not been given the opportunity to ask them to verify the debt and, while XXXX says they've verified it, no details are given to me about how. Simply, it's not my account and this company has made no effort to prove it is. 

In addition, this company has reported to XXXX  that they turned THIS account over to collections. So instead of showing as a collection account, it shows as an account I opened ( I didn't ) and shows that they've turned it over to collections. They are also REPORTING MONTHLY THAT THE ACCOUNT IS DELINQUENT. As in, they are reporting a missed payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WY

Complaint narrative:
My business checking account with US Bank had 2 disputed charges from the same merchant, the first charge was handled properly but the 2nd charge was not handled properly by US Bank ( they submitted the dispute incorrectly and kept closing it for reasons that had nothing to do with the dispute ) and now they are refusing to do anything further on it. After numerous phone calls, speaking with supervisors etc they are stating they are past their timeline to do anything further. I have advised the 2nd dispute was not handled properly from the beginning by their side they need to resolve the issue. They refuse, citing they are past the time line where they can do that. I have given them ample opportunity to resolve the issue and they refuse.

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 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services ( XXXX XXXX ) placed a collection account on my credit report in the amount of {$700.00} in XX/XX/XXXX. On XX/XX/XXXX I sent XXXX XXXX aka Resurgent Capital Services a Debt Validation letter under Texas Finance Code 392 requesting they validate the debt. XXXX XXXX aka Resurgent received the letter on XX/XX/XXXX and sent me a letter on XX/XX/XXXX stating they have " initiated a review of the inquiry they recently received ''. As of today XX/XX/XXXX I have not received any further correspondence from XXXX aka Resurgent validating the debt in question. In the letter I sent on XX/XX/XXXX I requested Validation under Texas Finance Code and requested that if they could not validate that they were to delete the trade line from all 3 credit bureaus which they have failed to do at this time. Under TFC 392 they have 30 days to validate and if they can't they must delete the trade line from all credit reporting agencies. 

They also treated my letter as a dispute under the FCRA and marked my credit report 's as " disputed by consumer '' which I clearly was not disputing under the FCRA but requesting validation under the Texas Finance Code. This is a blatant misuse of the dispute process under the FCRA and could cause issues for future consumers that request validation under TFC. Dispute comments can derail mortgage applications and cause credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: AL

Complaint narrative:
This is in regards to open complaint # XXXX. 

XXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ]. 

I now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer. 

I am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]. 

XXXX XXXX is literally ruining my life as I know it with their careless malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
I moved out of a apartment and XXXX XXXX aka XXXX XXXX XXXX put lies on my credit I sent all rent receipts, lease, notices etc to prove and had a attorney send a demand letter with court supporting documents showing I don't own and Hunter and Warfield refuse to remove account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided Experian with the " proof '' & to contact Experian. I called Experian on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.

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 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I previously received letters in an attempt to collect a medical debt from XXXX XXXX XXXX XXXX. I never entered into an agreement with this company, have never signed a contract to do business with XXXX XXXX XXXX so therefore I do not owe them any monies. I never verbally or in written communication entered into a contract with this company.

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 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an Amex offer " Spend {$60.00} or more, get {$20.00} back '' on XXXX XXXX. I placed an order onXX/XX/XXXX. The initial charger was {$60.00}, then I received a confirmation email titled " Great news! You just used your Amex Offer ''. The content is " Dear XXXX We appreciate you using your Amex Offer at XXXX XXXX. Look out for a {$20.00} statement credit, which will automatically be applied to your statement if your purchase meets the offer terms. '' There were some items in my order were cancelled without notice. I only know this cancellation after the shipment, when was XX/XX/XXXX So the charge was adjusted to {$46.00}. Now AMEX refused to give me this {$20.00} credit. The cancellation was out of control at my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: NY

Complaint narrative:
I was called several times by " Premier Student Loan Center '' and one day I actually took the time to listen. They informed me after an hour phone call and digging into my loans and work history, that I was eligible for " Obama 's Loan Forgiveness Program. '' I heard about this and thought that I didn't qualify since I work in XXXX/XXXX and not for the government or a non profit sector. They took about 20 minutes and returned to tell me that I was approved despite my work field. I was told that 73 % of my total loan was forgiven and I would have to pay the balance to them plus fees to file the application resulting in {$190.00} for 6 months and {$80.00} a month for 240 months. Similar to paying a tax attorney to comb over your taxes, I proceeded. I was initially excited and thought that my loans would be paid and the decrease would significantly help me financially. The application takes 30-90 days to process and almost a month later I checked to see if my loans still showed up on my credit score, and they did. Contrary to what I was told the loans would be paid in full and reflect a XXXX dollar balance. I called my loan officer who informed me that I didn't actually qualify for the program and that you have to make 120 payments to even apply, I made 0 thus far having just graduated. They also said that an application was never processed in their system. After researching scams I learned that this company and others like it never submit your paperwork and collect money from you while your loans sit in forbearance. I am sure many people catch this over time as the government will notify you of this, but normally by then you have shelled out thousands of dollars. Luckily via my friends urging me to look even further into it, I made one payment and reported that as fraud to my bank. I currently have a lawyer looking over the paperwork so that legal documentation can be drafted to dismiss the contract due to their services never being rendered. If you receive these calls or find these sites, STAY AWAY. If you work for the government or a non profit you can simply sign up online for free after making 120 payments. If you were a victim of this scam, change your card numbers immediately, contact your bank about the fraudulent charges, save every email from said company, and contact a lawyer! Don't fall prey to the scams of the world!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to transfer money from my Chase bank account to my friend 's XXXX XXXX account though quickpay operated by XXXX in the amount of {$690.00} on XX/XX/XXXX. The funds never reached her bank account and her bank never received information regarding an attempted quickpay from me. On XX/XX/XXXX, the status of the quickpay was funded. The status of the quickpay has been 'delayed ' since XX/XX/XXXX. I spoke with my bank numerous times at branches and via telephone. They will not cancel the transaction or refund me the funds until a claim is settled. I filed a claim XX/XX/XXXX and it was denied XX/XX/XXXX. I was only informed it was denied on XX/XX/XXXX when I called to check on the status. The claim was re-opened when the person I spoke with realized that I had transferred money via quickpay to the same person ( same email, phone, etc ) on XX/XX/XXXX and it was completed within 5 minutes. They are now claiming that XXXX never sent the funds to my friends and that they are not at fault. They have refused to give me a credit while they figure out why XXXX never sent the funds to my friend because it is an online transaction not a debit card transaction. I have been told that I must wait another five business days for someone to evaluate the issue. I have called almost every day since XX/XX/XXXX because I continued to receive a different response each time. Initially I was told that that my friend would receive the funds with 3-5 business days. Then I was told that they would cancel the money transfer and I would get my funds back on XX/XX/XXXX. Then I was told that after 10 business days that the money transfer would automatically cancel if it isn't completed. None of these things have happened. I was also accused of using the wrong email address which is not true. I am at a complete loss and I do not understand why they do not want to give me my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capstone Credit & Collection, LLC.
State: NJ

Complaint narrative:
I called the collections facility to inquire about the debt, I spoke to someone by the name of XXXX XXXX, I needed to update incorrect information and ascertain knowledge as it pertained to the debt because there is things within the debt owed that is very questionable i.e. the amount and date reported and who the debt was acquired by, also to assure it had been updated to reflect the correct date of debt and also to advise this debt acquired is questionable. Upon hello I was being baited into a arguement, then after being verbally abused, I asked to speak with a manager and I was advised the manager does not speak with XXXX @, This establishment lacks professionalism and I am very concerned about this agency having my personal and confidential information. To no avail I am no further in realms of resolution than I was intially. However, to be verbally abused when trying to ascertain information that is on file with a company as it pertains to my name is totally obsurd. I tried to contact this establishment several times, however when they see my number they hang up immediately. I require assistance as to how to proceed with this mom and pop shop. Any assistance that you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.

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 2018-05-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted two to three disputes to XXXX regarding a bankruptcy and inquiries. 
I submitted the bankruptcy disputes on XX/XX/XXXX and XX/XX/XXXX both came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from XXXX stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking. 

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others. 
XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.

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 2018-05-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted two to three disputes to XXXX regarding a bankruptcy and inquiries. 
I submitted the bankruptcy disputes on XX/XX/XXXX and XX/XX/XXXX both came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from XXXX stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking. 

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others. 
XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ref. Complaint # XXXX : On XX/XX/18 I submitted a complaint regarding Equifax. The complaint was sent to the company on the same date. On XX/XX/18 company responded to you that their response was in progress and they would require more time to research the complaint. I was also told by a CFPB representative that the company had until XX/XX/18 to respond.As of today, XX/XX/18, I have not received and responsw from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint narrative:
Received multiple letters & phone calls from Creditors Service Bureau regarding accounts belonging to myself & my wife. Have asked repeated times for verification of debt, asked for debt to be removed due to no debt verification, no recollection of debt etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09 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: NC

Complaint narrative:
XXXX is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided XXXX with the " proof '' & to contact XXXX. I called XXXX on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services
State: TX

Complaint narrative:
For over months now Integrated Services has called and i kept telling to send me legal documents on how to solve this matter and they do not.

They call me and threaten me and yell/curse at me.

They also call me work and gave them my information and how i owe so much money.

They have called family members and did the same Which is illegal!

I have called back to tell them to send me documents or anything to show this matter but they do not they just continue to call and harass me at work and my family members.

They even said they filed at XXXX County and I even called there and they said there is nothing under my name or the case number that i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
On XXXX XXXX on XXXX and XXXX there is a collection agency that is trying to collect a debt for a payday loan i did not open from a ad astra recovery service on behalf of XXXX XXXX opened on XX/XX/XXXX i have tried to call debt collection agency numerous times to no avail. I have also filed a police report XX/XX/XXXX for identity theft thru XXXX police dept. This is not my account. I want it taken off my reports as well as a negative collection account. They also have an email listed on the account i never used. XXXX XXXX XXXXXXXX XXXX i never used that email i use XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation