vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
FOR THE WILL NOT GIVE ME MY FILE AND TELL ME WHAT I PAYING FOR THEY HAVE TOTALLY MESS UP MY HEALTH BY NOT GIVING AND RECORD TO MY DR. TO TELL THEM WHAT HAPPEN TO ME AND I TO THIS DAY HAVE NEVER SEE ANYTHING ON PAPER SHOWING WHAT THE DID BESIDE NOTHING FOR THERE NEG. I 'M TRYING TO GET ON THE XXXX AS IF I WOULD OF KNOWN SOMETHING IT WOULD OF MADE A DIFF IN MY LIFE I 'M NOT PAYING A XXXX UNTIL THEY TELL ME WHAT THEY DID I WAS FROM OUT OF TOWN AND THEY XXXX IT TO ME. AND TELL ME I WAS IN THE XXXX TO WHICH I NEVER WAS.

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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete XXXX 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I had applied for a Citi bank secured credit in doing so to try to and rebuild my credit! Citi bank had denied me. Then approximately three days later I get an email saying my application was under review ... ... so a week passes fast foward to today XXXX XXXX, 2017 I check my XXXX XXXX XXXX checking account and I see Citi bank took out {$300.00} for a deposit for the secured card! With no notification no call no email saying that they were going to be doing so the money was withdrawn!! I called customer service and they told me that my applicatioin is still pending?? But yet You first told me it was denied I completely understand if it was denied no problem ... they continued to take the deposit of amount of {$300.00} from me though even though now supposedly the application is being overviewed! I advise the lady I spoke to cancel my application because I had moved on from this secured card last week! I just want a full refund for my {$300.00} which has now put me in the negatives in my checking account because I had no idea it was coming out! Customer service told me it could take anywhere from 2-3weeka for me to get my refund because it has to go through a cancellation request? That 's unacceptable and unfair!

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 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Judgment Recovery Center, L.P.
State: TX

Complaint narrative:
A Debt Collector called 'National Judgement Recovery Center , L.P ' has levied several of my accounts including my children 's checking and savings. However the XXXX XXXX for a debt is not mine, it belongs to another person with a similar name ( except that I am a XXXX. ). The XXXX XXXX was rendered in county where I currently reside in XXXX, and I was not a resident of this county until XXXX, and did not have any financial dealings in this county prior to moving here. This has caused me great distress, as I am not able to pay my bills or go to my doctors appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
1-Debt collector agreed to send a settlement agreement letter but refused to do so until agreed upon amount was paid. 
2-After paying agreed upon amount debt collector sent an email requiring me to give additional information in order to see the email. 
3-collection agency has refused to send me confirmation the debt has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC.
State: OH

Complaint narrative:
A Representative claiming to be from XXXX XXXX from The Solidus Group, LLC contacted my father and proceeded to not only tell him about my debt on an outstanding loan, but give balances, and a case number. He told my father that he was going to have me arrested and would charge me with criminal charges. 
When I finally was able to get in contact with someone ( they have a very impenetrable phone system ), the man who answered told me I was wasting my time calling without an attorney and they would see me in court. He kept cutting me off and telling me I was willfully trying to fraud the lender. When he eventually stopped talking long enough for me to get a declarative sentence out, he transferred me to a female collection agent who told me I had to pay with only a debit or credit card. After taking my information, and setting up XXXX payments for half of the balance, she hung up. I tried calling back several times. I then attempted to contact the next day where the original gentleman who contacted my father told me I had better let all of those payments I set up go through or they would " see me in court and charge me with criminal charges ''. I attempted to ask for him to validate the debt or send some information in the mail, but he, like the first guy I spoke to, kept cutting me off and hung up. I called back but the number immediately went to voicemail. I have never been contacted before by these people and have received no notices in the mail or anything about this outstanding loan from either the original lender or this so called third party collector. Proper collections protocol was NOT FOLLOWED in the slightest. FURTHER MORE- when I was told that this was going to court no information or formal summons or complaint of writ was sent to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Weinman Acquisition Group
State: CA

Complaint narrative:
I received a call from a XXXX stating she needed to verify my address to serve me with legal paper work. I called XXXX and spoke to a XXXX. She stated that the original company hired them to file legal charges of theft and intent to defraud and request my credit card information or banking information over the phone. I explained I was to comfortable giving that information over the phone. She then sais I had no choice that was the only way to keep them form filling charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
I was approved for a $ XXXX line of credit through MobiLoans , LLC. In increments, I borrowed all of the {$1200.00}, and accumulated some fees associated with it. It was not long until I wrote and sent a check on XX/XX/2016 for {$1200.00}, and it posted to my checking account on XX/XX/2016 for {$1200.00} dollars. That left me with a balance of fee charges ( advance fee and fixed finance charge fee ). My latest payment due date was XX/XX/2016, for the minimum amount of {$92.00}, and a balance of {$290.00}. On XX/XX/2016 I sent a check for the balance of {$290.00} ( I sent {$290.00} ), and as of today, MobiLoans , LLC can not tell me whether they have received my check ; They just keep telling me that it takes 7-10 business days to process if mailed, which is n't anywhere on their disclosures for mailed payments. The {$1200.00} payment posted to my checking account just TWO DAYS after I mailed it. I strongly believe that they delayed/and are delaying this payment mailed on XX/XX/2016, just to charge another financed fee. I strongly believe that they should have received and processed my payment due XX/XX/2016 by XX/XX/2016, just as they did the {$1200.00} payment, in rapid succession. I was told by one representative that once they receive the payment, it is processed immediately. Currently, I have been told by a Supervisor that he can not call processing to see if the payment has been received, and he also stated that it takes 7-10 business days to process, which is contrary to what happened with the {$1200.00} payment. Also, the payment center for mailed payments is just in XXXX, and I am in XXXX, yet one representative told me that it takes five days to receive my " mailed '' payment. Well that was not the case with my " mailed '' {$1200.00} payment in XX/XX/2016. It was received expeditiously and processed expeditiously. So I am really wanting assistance to be sure no more fees are charged to my account. Once this payment of {$290.00}, that they are delaying, is processed, I will only have {$34.00} left to pay by XX/XX/2016, which I intend on paying/mailing in the next couple of days. 

I can most likely fax or mail whatever documents you might need or request to see.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have been denied all HAMP modifications, MHA and streamline modifications. The only offer was for a prepayment plan which I can not afford. This is my primary residence and family home, I have two other loans with different banks and have been approved for modifications. There should be no reason I can not be afforded the opportunity to keep my home with a reasonable payment plan. I 'm very confused with all the different correspondence received and not received, on XX/XX/2017 received repayment plan then on XX/XX/2017 received mortgage modification reminder with a payment amount I can afford not sure what this company is telling me. Their customer service representatives are very rude and condescending. Not sure what kind of mortgage I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
To Consumer Financial Protection Bureau : XXXX/Rash Curtis & Associates, a collection agency, collected more than the amount that was billed/posted with the credit bureaus and defaulted on their promise to me that they would delete their collection postings ( the original collection and hard inquiry ) on my credit reports. On top of these, they posted an extra hard inquiry for collection purpose for the same collection item that I paid on the same day. According XXXX, hard inquiries impact my credit score negatively and can be seemed by all other creditors. I believe what XXXX/Rash Curtis & Associates did were unfair and unlawful. Please help me. 

Below are the background details : 1 ) I owed XXXX {$1800.00} back in XX/XX/XXXX. At the time of my hospital visit, I was studying for a XXXX exam and was unemployed. I moved four times since then. The hospital forwarded my unpaid balance to XXXX/Rash Curtis & Associates for collection. 
2 ) On XX/XX/XXXX, through XXXX, a credit bureau, I realized I had a twenty-three hundred some dollars collection item on my credit report posted by XXXX/Rash Curtis & Associates on XX/XX/XXXX. 
3 ) On XX/XX/XXXX, I called the collection agency and told them I wanted to pay the collection amount. The man who took my call told me the balance due was {$2500.00}. I questioned him about the increased amount. He said with the extra amount, he would delete the collection from my credit report right away. I paid the collection agency {$2500.00}. 
4 ) On XX/XX/XXXX, through XXXX, I saw a collection notice by XXXX/Rash Curtis & Associates for the same collection item showing up in my credit report again. I called them the next day. They said it usually would take 60 to 90 days to have a collection notice removed, and if I would want the process to be expertized, I would have to pay them more. I was very upset. I had already paid them almost XXXX dollars more than what they billed me for, through the credit bureaus. 
5 ) I filed a dispute for the collection notice with XXXX on XX/XX/XXXX. 
6 ) On XX/XX/XXXX, I received a report from XXXX which shows all my credit histories and realized that they not only did n't delete the original hard inquiry for collection on XX/XX/XXXX, they posted another hard inquiry for collection on XX/XX/XXXX on the same day that I paid them. 
7 ) On XX/XX/XXXX, I called XXXX and learned that only XXXX/Rash Curtis & Associates had the ability to delete/remove those hard inquiries. 

Sincerely, 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 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have had many issues with US Bank, but this is the icing on the cake. 
US Bank continues to charge fees and allow transactions that should not be authorized to go through on my account. I cant even begin to explain how many times I have had to call to complain about my accounts. Last month, an unauthorized transaction of XXXX went through on my account and a check to the XXXX was sent back ... they never refunded me for the NSF I was charged. Today, US Bank sent back a check that was cleared on my account tuesday. I explained to them that when I checked my balance on their MOBILE app, that my balance reflected as XXXX number and that after that check went through that there was still funds available. The rep told me me not to depend on the mobile app because it is not accurate ... which is contradictory information. The check showed as cleared on Tuesday XX/XX/2017 and there was a pending XXXX from XXXX. They sent back the check and cleared the XXXX hold which ended up being XXXX. I cant get anyone from US Bank to admit that this was there error and they charged me a fee today and will not refund it. I continue to have issues with all of my accounts as well ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I have paid my installment loan of {$660.00} to Avant two weeks before my due date of the first of the month. I clearly note on my payment check indicating the due date which the payment is to applied. It has been Avant policy to not accept my payment for due date indicated on my check. Avant insist that the payment it receives is extra payment. Therefore, my account is past due which incurs monthly late payment charge. The Avant response that I received is there account system does n't recognize my early payment. I should call there office monthly to notify there customer service representative that I have mailed my payment early. I strong feel that Avant penalize me make early payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: CT

Complaint narrative:
I started getting calls about 3 weeks ago and since I was ignoring them they decided to start calling my family members. Very crude messages are being left stating that I owe money for a loan that I took out with a company called XXXX. The original loan amount was {$1200.00} however I now owe {$300.00} because I paid the rest. 

When I spoke to the lady XXXX I advised her that she had the wrong person and she told me that she did not that she had spoken to me before and I was disputing the remainder of the loan. I told her that she never spoke to me however she called me a liar and stated that she will just put down that I am disputing the loan, she then hung up on me. 

After hanging up on me, she called my XXXX aunt and started telling her that I 'm going to jail and that she should either pay the bill for me or talk me into paying it. I told her to not answer those calls and do n't give them any money that I did n't owe this mysterious debt and I was n't paying it. I just got a call from my mother stating the exact same thing that my aunt said. I do n't owe this debt and I want them to stop calling me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.

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 2017-03-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: American Payment Holdco, Inc.
State: CA

Complaint narrative:
I had made a payment to my credit card account with XXXX from XXXX using a service called XXXX. I made this payment of {$490.00} on XXXX and it has still not reached my bank. The payment ref # was : XXXX I called XXXX ( number XXXX ) on XXXX ( talked to agent XXXX ), she opened an investigation with Ref # : XXXX. He conference called XXXX bank and confirmed that they didnt receive the payment. 

I had called XXXX pay multiple times to follow up with no response ( they kept telling me that they have sent the payment ). 
On XXXX, I called XXXX ( # XXXX ) again, asked for a supervisor. XXXX assisted me, we had a XXXX way call with me ( XXXX ), XXXX ( XXXX supervisor ) and XXXX ( XXXX back office supervisor incharge of bill payments ). XXXX and I had sent forms to XXXX ( payment adjustment request form along with supporting docs, payment receipt, my credit statement etc ) and XXXX never responded back. 

On XXXX, I called XXXX pay again and spoke to XXXX. XXXX mentioned that XXXX internal team has still not responded to her, he sent then another email. She called XXXX on a XXXX way call, XXXX ( phone # : XXXX ) Agent XXXX ID : XXXX and XXXX did confirm that XXXX did not recieve the payment of {$490.00} anytime since XXXX. XXXX was going to send him an email to investigate this payment

Company response to consumer: Closed with monetary relief