vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I received a call from XXXX but it was missed while at work. I took the time to call the number back and some man named " XXXX '' answered. I asked him several times if he was a bill collector or if call was from collection agencies. His response, " Why don't you XXXX us '' and slammed the phone down. I attempted to call them back to speak to a manager, which I finally did address with XXXX XXXX XXXX-Vice President - Operations, whom did nothing to rectify his employee 's or his company 's wrongdoings. Now I've found several complaints against this company online about there collection tactics and I think that the CFPB should step in and look into 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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Peoples Home Equity, Inc.
State: TX

Complaint narrative:
Date : XX/XX/2018 Peoples Home Equity ( XXXX, TX office - phone ( XXXX ) XXXX ) ran my credit without my authorization. 
I noticed credit inquiries on my report from all 3 bureaus. I never provided my social to Peoples Home Equity, and I mentioned multiple times on the phone that I don't want them to run my credit as I was just looking to talk to them about the loan options. I clearly told them I only want some information since I am just looking into the housing market without anything finalized, and that's why I don't want them to pull my credit. 

In spite of this, I noticed unauthorized credit inquiry on my report. Peoples Home Equity asked some other company ( XXXX XXXX XXXX XXXX XXXX. Phone : ( XXXX ) XXXX ) to pull my credit. This third-party in turn reached out to 'XXXX XXXX XXXX ' and I was told by them that Peoples Home Equity would need to let XXXX XXXX know that it was an unauthorized inquiry so that XXXX XXXX can send that information to all 3 bureaus so it can be removed from my report.

I emailed Peoples Home Equity yesterday but haven't heard back yet.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I get almost daily calls from Transworld Systems. I have no debt. I feel it is just a scam and I will not have anything to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
Called my cell phone asking for my husband. I told them I was his wife, the representative said she could speak to me about the matter. The representative asked me to verify my husbands date of birth, but when I told her she could give it to me and Id verify it, she said she wasnt able to do that and said she wasnt able to speak to me about the matter. My husband doesnt have anything in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Harassing phone calls 6-10 times a day. Different numbers every day wont tell you who the creditor is they finally called from a number that was traceable to find out the were sunrise credit ... they wont stop harassing me. This has been going on for a month. Never sent out a paper notification. Didnt know who there were till I looked at 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 2018-06-13 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Medical Data Systems had  reported negative information on all 3 of my bureau reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent Medical Data Systems a dispute letter that was certified with a return receipt. My receipt confirms that they received the letter on XX/XX/XXXX and it was signed by XXXX XXXX. The tracking for this letter is XXXX. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Further, I would like to have a copy of the financial responsibility page that bears my signature with the provider of service to release my medical information. These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not respond in writing nor provide any documentation to support/substantiate what they were reporting, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!

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 2018-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a XXXX store card from XXXX XXXX   that has been closed about 6 weeks ago which I have no problem with but a multiple payments were made by mistake on this card and it now has a negative balance of {$29000.00} that XXXX XXXX owes me. 

I contacted the customer service several times and was told that the check was mailed every time. But after not receiving the check I called once again and after insisting I was told that my account was being reviewed by an account specialist. When I contacted the account specialist I was told that it would take a month for me to receive my funds back but here I am 6 weeks after my account closed and my money is still being kept by XXXX XXXX. 

Latest statement from XXXX XXXX has been attached. It is clearly showing the amount I am owed.

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 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
I have tried to modify my mortgage with Rushmore for many months. I submitted a modification package through XXXX XXXX. Rushmore refused to consider it and I was forced to file bankruptcy when the company moved to foreclose. Subsequently they forced me to enter into a five month trial period for over {$2300.00} per month. I can not afford these payments.

I want to add that this is the sixth company that have serviced my loan. I have fulfilled trial payment periods in the past after which the loan was transferred to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC
State: TX

Complaint narrative:
For the past few months I've been getting calls many times throughout the day. They never leave a voicemail.I have a busy schedule and its hard for me to answer calls. They have reached out to every single family member, my in laws and even people that I don't associate trying to reach out to me. My family members and myself feel harrassed for all these ongoing calls. At first I waited for at least something to come in my mail regarding this debt but never received one. I do not feel comfortable giving my information over the phone to someone that can not provide any proof, especially if I can not find a website of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all. 

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to get a copy of my credit report as held by Experian ; as an Adverse decision was made today to a request I made for credit with XXXX. Online I can not make the request for a copy of my report without an account or payment. I can not make inquiry by phone without providing my social security number, which is the question the recording leads with. I understand since Experian is the source of the credit information referenced by XXXX on my Experian has a duty to furnish me with that report. I have used the contact information from the denial letter I received with the above mentioned results. This agency is the last listed in the denial I am contacting toget a copy of my 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 2018-06-13 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: OH

Complaint narrative:
Ability recovery services is attempting to collect {$880.00} from me. This is a result of identity left and I have no idea what it is for. I requested them to send proof with my written signature that this debt belongs to me. And they werent able to provide the information, but states the debt is valid. This account is reporting on XXXX and XXXX, but has already been removed from XXXX XXXX. This company is not registered with the state of Ohio secretary, therefore, they can not collect this invalidated debt from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Pinnacle Credit Services, LLC
State: OR

Complaint narrative:
Incorrect information on my report showing that i owe XXXX XXXX have reported incorrect information for several years..I have never had a XXXX account.i use XXXX. Please send me a contract showing that i had this service with my signed name. XXXX XXXX does not even service my area.It is illegal to incorrectly report items on a credit file.this needs to be corrected as i am buying a house.and i have never had XXXX XXXX account.If this is not removed i will have to seek legal action to compensate for my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: VA

Complaint narrative:
Experian is continuing to report an inaccurate name & address on my credit file even after several disputes and complaints being filed. 
I have been disputing inaccurate names & address on my credit. Someone who has a similar name in my area keeps showing up on my credit. I have sent proof of my identity multiple times to Experian and filed previous complaints. It is obvious the name is wrong yet they do nothing about it. 
By law they are to report accurate information and they are in violation .... 
My name is XXXX XXXX XXXX not XXXX XXXX XXXX!! I have never lived at the XXXX XXXX XXXX address ... 
that address if for another XXXX who has a criminal record and this is affecting me in all areas! I need anything affiliated with wrong names & addresses removed 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 non-monetary relief
Consumer complaint received 2018-06-13 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: Perfection Collection
State: TX

Complaint narrative:
In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Perfection Collection had reported negative information on my credit reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent XXXX ( as reporting on XXXX ) and Perfection Collection ( as reporting on XXXX ) a dispute letter that was sent certified with a return receipt. To date, XXXX ( see attached ) stated that the account was purchased by Perfection Collection in XX/XX/XXXX. Perfection made no effort to communicate with me informing me that they were attempting to collect an alleged debt. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Perfection responded to my dispute ( this is the first time I received any correspondence from this collection agency ) by offering a settlement ; yet, they did not provide any documentation to substantiate the amount they are arbitrarily reporting. Too, the correspondence I received from them lacked veracity. It is merely reflected on their letterhead with no other documents. It is obvious that Perfection has nothing to validate what they are negligently reporting on my credit reports. 

These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not provide any documentation to support/substantiate what they were reporting as well as NEVER sending a dunning letter and allowing me 30 days to respond to dispute the validity of their claim, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: CA

Complaint narrative:
Credit card balance was paid in full on XX/XX/2017 in amount of {$57000.00}. Company name was XXXX XXXX XXXX XXXX, which is shown on my credit reports. The company name now is D & A Services. I have contacted them to remove negative information but could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
To start this account account is almost 10 years old.It keeps reappearing on my credit file.There are 4 XXXX XXXX in my family .Have asked for this account to be removed from my credit file as it is not mine.I have never had a XXXX account..I am currently buying a house.This needs to be removed from my report Or i will have no other choice but to seek legal recourse from damages that i have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

I have company to serve the credit card to my customer. I did stop this company around tow years ago. but they keep charging my walls Fargo account. I want to the branch near me to dispute this charges. I wait around 10 days and the claims department they dined the claime because it is business to business.and they told me no more changes will get to your. last week I found the same company keep changing my account ( 22 charges ) totel was over {$3800.00} .I did fail claim again XX/XX/18 and the bank dined it again. last Friday they approve and they will refund my money.. I did call today the bank to ask about the the money is not in my account, they said they dined this claims because is business to business charge and is always different amount.and this company changed the nam between months to months. I am responsible about any trans actions with 24 hours only. 

.

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 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
In XX/XX/2018 I received a promotion by email from Commerce Bank to apply for a credit card with 0 % interests for 16 months and 0 % interests on balance transfers with NO balance transfer fees. The maximum credit limit offered was for {$15000.00}. On the application I asked for a balance transfer from a HELOC in the amount of {$25000.00}. My next communication from the bank was that I was approved for {$15000.00} and they would send me a card soon. When I received the card and documentation I was charged a 5 %   balance transfer fee of {$700.00} dollars and the interest fee time frame was changed to 12 months. I called the card company and tried to work with a local branch to get the fee waived and I offered to pay off the balance for a return of the fee. All were rejected. 

It is my contention that the card I singed up for and the terms and conditions I singed are not the same as what was provided. I asked for a copy of my original application so I could verify what I signed up for and was told it could not be provided because I applied online. 

All I want is to cancel the whole transaction and get my 5 % ( {$700.00} ) fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: CA

Complaint narrative:
On XX/XX/2017 I paid off {$49000.00} to D & A Services and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation