vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-25 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: KY

Complaint narrative:
I have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I sent a debt validation letter for SPS to respond to on XX/XX/2018. SPS refused to respond to the letter, and they put my house in foreclosure. CFPB and the federal law states that the lender must respond to the debt validation within 30 days of receiving the letter. I want SPS to follow the law and respond to this letter. The letter was via certified mail and I have a return receipt of the letter. Please send this letter to SPS and please give me a response back as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Discovery Systems, LLC
State: TX

Complaint narrative:
Company has repeatedly called my employer, and has given my employer detailed information about this collection. I have called multiple times and told them to cease. They are also calling my parents, and again giving out information about this collection. They call 3-4 times daily. 

This company has also called and pretended to be the credit union the auto loan was originally financed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have been dealing with GC services since XXXX. I have always managed to pay my traffic tickets. Since XXXX I made payment arrangements and showed them financial hardship, made a deal that I will pay {$50.00} a month, but they have ignored this and as the result my credit score has been ruined TOTALLY. I HAVE SPENT LONG TIME ON THE PHONE WAITING AND RUDELY THEY HAVE JUST HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX we purchased a timeshare with XXXX XXXX. XXXX XXXX gave us a credit card with a credit limit of {$1600.00}. I never activated the credit card neither I used it. It took a year of dispute dispute with XXXX to cacelled the contract. 

I XX/XX/XXXX, I sent a written letter to XXXX XXXX requesting a credit on the amount of {$1600.00}. The company requested proved of the cancelled contract from XXXX which I did, however on XX/XX/XXXX I received a letter from XXXX XXXX stating that they were unable to issue a credit on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Century Financial Services, Inc.
State: NJ

Complaint narrative:
I first received a letter saying I owed for a medical service with no date. When I wrote to them and told them I never dealt with this practice or had this service, the sent me another bill with a date of XX/XX/2018. I then wrote to them and told them this is not my debt, I had and have, health insurance during that time period and they have no record of me being billed by this company or that service. 
I have since had multiple phone calls from them as well as another bill dated XX/XX/2018 after I told them this is not my debt, stop contacting me. Each bill has a slightly different variation of this companys name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX cell phone from XXXX. I was hospitalized in XX/XX/XXXX, was off work, returned to work XX/XX/XXXX. In the months I was off work, I received letter from XXXX XXXX account in Suspension, balance due {$230.00}. 

The account has been turned over to Convegent Outsourcing , Inc. My original call to Convegent they  insisted that I provide them with a credit card number, with the payments being taken out of my account by charging my card every month. I told the representative, I would be paying the account to them with a check/payment coming from my bank. The representative insisted that I had to make they arrangements with them the way they stated to me. I told the representative I have made a payment to Convergent, you will receive the payment within three days which they received 7 days before the XX/XX/XXXX. Calls from Convergent were coming up on my cell phone and I also received 3 call from them to my home phone, which I never gave them. I returned their calls last week or earlier this week, told the representative the same conversation I had with the other representative previously. Today, Saturday, XX/XX/XXXX, on my home phone and its XXXX XXXX from Convergent, telling me they tried to charge my credit card on XX/XX/XXXX and the charge was denied. I said let me repeat this again, " there might not be any funds on the card on the XXXX of the month, my bank will send payment/check before the XXXX of the month, XXXX XXXX, started raising his voice, tell me I can not make that arrangement. I proceeded to hang up the phone. 


This is definitely continuous harassment. The payment are being made and paid before the XXXX of the month.

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 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: CT

Complaint narrative:
Dynamic Recovery Solutions claims I owe XXXX to XXXX XXXX, this account was paid prior however the balance was significantly lower. The account was paid via money order, it was mailed years ago and it appears it was lost in the mail or applied to wrong account. The balance of XXXX is ridiculously high, it appears additional bogus fees were applied by Dynamic Recovery Solutions which I refuse to pay along with any supposed balance they claim I owe.

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 2018-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.

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 2018-11-25 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: KY

Complaint narrative:
I have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.

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 2018-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit union is charging us over 14 % interest in credit card. We have asked them to support SCRA for military and was turned down. With 14 % interest we will never pay down our debt. This bank is suppose to support military but instead only wants money. Other companies who are not Military affiliated supports SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
In XXXX we received an email that our loan was purchased by LoanCare. The end of XXXX we received another form email that the transfer was complete. However we never received any USPS mail with account specific information. 

I mailed our check and added a note that we did not receive info about our account and could they please mail us account information. Additionally I explained we do not receive mail at the physical address so please send the our PO Box ( the address was supplied ) In XXXX same thing. No mail so I sent the payment and a letter. Again please send to PO Box . 

Today we were served a threatening letter that they were going to foreclose on us and we were behind on payments. We have never missed a payment and have tried over and over to obtain information about our loan. 

Please help us get our account information On a note this is the 3rd company this year to have our mortgage and this is the only company who will not mail us a statement.

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 2018-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
This debt to consumer portfolio services is not mine! I requested documentation showing my valid license and signature and the company sent me a signature that isnt mine! I have not been able to drive since the age of XXXX because a illness I have. I have never had a valid license to purchase a vehicle! Something needs to be done! A police report is on file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
A fraudulent transaction was made using my XXXX account in the amount of XXXX to a XXXX, made on or around XX/XX/XXXX. The last authorized transaction was made to my GF, XXXX XXXX, over a year ago. I rarely use my XXXX account and it appears the person, XXXX, sent a money request and the person ( s ) whom hacked into my account approved it and used my card on file. I believe the persons are all working together as I do not know the person, XXXX and she appears to be selling herself as XXXX is listed in her user name on XXXX. I reported the transaction as fraud to a XXXX via live chat on XXXX on XX/XX/XXXX, an XXXX emailed me yesterday, XX/XX/XXXX, she stated my claim was denied but did not disclose what actions were taken to investigate. As I stated before, I do not know the person whom funds were sent to, I would not send money to someone I do not know and again, it appears she is a XXXX worker whom is selling herself. I would advise XXXX to reverse transaction, take funds out of the receiver 's account and close my account as well since I do not use it, the last transaction made by myself was to my GF, XXXX XXXX which was over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of MidFirst Bank. As of late XX/XX/XXXX early XXXX we requested a payoff. In XXXX I received a call from XXXX XXXX   but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX  to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX   and discontinued the call.

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 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, {$220.00} tried calling the original creditor and the company they sold it too so they could delete the in accurate information reporting to XXXX, XXXX, and XXXX debt was been pain in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My home loan with XXXX was immediately sold to Amerihome in XX/XX/2018. I have been paying into the escrow account since then, with an amount based on the new assessed value of my home. 
In XX/XX/2018 I received a supplemental tax bill from XXXX county for {$8500.00} which clearly stated I am responsible for paying this bill, not my mortgage servicer. I immediately contacted Amerhome to tell them that the amount they have in my escrow account far exceeds the tax bill THEY were to pay ( {$1100.00} ), which was based on the old assessed value. 
For two months, I have repeatedly called, emailed and begged them to send me the excess escrow funds, which are currently {$4800.00}. 
Amerihome, and THEIR servicer, XXXX, has repeatedly claimed they have ordered new " escrow analyses. '' Amerihome sent me {$640.00} XX/XX/XXXX as a result of an annual escrow review, but this review still assumed a new, higher assessed value, NOT the actual property tax bill they received and partially paid to XXXX County. In a phone call XX/XX/XXXX, an Amerihome/XXXX representative admitted they should send me my {$4800.00} AND reduce my monthly payment for escrow/impound. My several follow up phone calls yielded no results. 
Amerihome is holding my excess {$4800.00} escrow funds hostage -- funds I NEED TO PAY MY SUPPLEMENTAL PROPERTY TAX BILL WHICH IS NOW DUE! This is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I pulled my credit report and I noticed that collection agency on there ill contact them and they ask me to verify my address the address they have never lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
XX/XX/2018, {$690.00} disputed inaccurate information to all three credit bureaus asking for original documents. Never sent but updating information as accurate when its false.

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 2018-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Issue 1 : Navient reported account negative and have a forbearance dated on XX/XX/2018. Correct credit report. Issue 2 : I asked for lower payments and still haven't got it reduce per representative. Issue 3 : This account was list in my bankruptcy discharge paper work and they said it would be off my credit. The cosigner is responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc.
State: TX

Complaint narrative:
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of XXXX XXXX. As of late XX/XX/XXXX early XX/XX/XXXX we requested a payoff. In XX/XX/XXXX I received a call from XXXX XXXX but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX and discontinued the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation