vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
Upon checking my credit report I noticed that a collection agency by the name of Diversified Adjustments Service , INC. had reported a debt in the amount of {$710.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 labeled as " Itemized Statement " showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$710.00}. On XX/XX/2018 I sent Diversified Adjustments Service, INC. another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX, XXXX and XXXX XXXX credit file. I have attached all means of communication from me and Diversified Adjustments Service, INC..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XXXX XXXX FSA-ID Student Help Center Citrix XXXX Department of Education These are all the companies associated with this scam - which is essentially funneled through one company - XXXX aka XXXX. 

This all happened between XXXX EST to XXXX EST on Thursday, XX/XX/2018. 
The phone he called me from is : XXXX and the email he used to email me was : XXXX. 

The address signature and other info in his email is as such : Processing Dept Customer Service : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX He proceeded to direct me to : XXXX, claiming he was working with the Department of Education, telling me my loans were being converted from Navient to a company called XXXX. I have saved all the emails. 

He also apparently created an ID for me in the website : https : //fsaid.ed.gov and hacked his way into that as well. I called FSAID and they were absolutely no help when I told them that my identity had been stolen and I was a victim of fraud. They kept me on hold for 10 mins and never once apologized for what was going on. 

The other emails came from : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The guys supposed name is XXXX XXXX. He told me he was working the department of education and federal government under the Obama and Trump initiative to help lower student loan payments for people in debt. I did fill out a form on their website and he called me directly and that is when he proceeded to impersonate a government affiliated official. He asked me for my driver 's license number, my social security number, my debit card account number, home address, email, mobile and finally asked me to email him 3 pay stubs from my job which have the last 4 of my banking account number. 

He scammed me out of {$500.00} that I was saving to make an interest payment on my student loans. What kind of person hears your story and then capitalizes on your pain? I'm sick to my stomach about this and can't believe I fell prey to such an evil person. Be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
In XXXX of 2017 My house burned. I had to have a public adjuster group assist in getting fair value. They took $ 30K of all monies. XXXX gave all monies to the mortgage company Looking at the Freedom Mortgage web I was given {$140000.00}. {$140000.00} - {$30000.00} = {$110000.00} Freedom Mortgage gave me $ 40K and said when done 50 % they would give more. How do I get 50 % done on $ 25 % of the monies. I fought for more. finally got it and completed 55 %. They gave me another $ 25 % and said I get the rest when 100 % done. I fought again How do I finish 100 % on 75 % of the monies. they finally gave me another $ XXXX and I am at 80 % complete. I have been fighting to get the remaining $ XXXX to finish rugs, doors, dining room floor and molding. They will not release it. My mortgage is only {$720.00} per month. In essence Freedom is holding 22 months of mortgage payments. The monies given to Freedom were about $ 40K above the actual mortgage and they did not even put the monies, that were technically mine in an interest bearing account. I take care of a homeless man and his XXXX XXXX XXXX son which also contributes to expensis All the above letters, inspections, and requests to Freedom Mortgage can be found on their web sites. I will supply anyone with the info to log in and see dates and times.

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 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
SUBMITTED A COMPLAINT ON XX/XX/2018 COMPLAINT XXXX AND XXXX responded back and they sent over a bill with a incorrect address on the bill ... I XXXX XXXX never seen this address as it is listed on the bill from XXXX XXXX XXXX. the address listed on the bill is XXXX XXXX XXXX XXXX,, XXXX XXXX, ,XXXX XXXX   ar XXXX,, I have never lived at the alleged address,,, u can look at my credit file and that address is nit listed on my address with all three bureau,, this is not my account as that address is not assioated with this XXXX XXXX ... .please remove the account from my credit file,,, its it not valid to me XXXX XXXX , ,, never lived at that address.,,,, I have enclosed a copy of the bill that XXXX  XXXX as responded with,,, and that address is not XXXX XXXX ... .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : Medical Collection Dispute Report # XXXX for XX/XX/XXXX Dear Sir/ Madam, I refer to the above Experian credit Report # XXXX for XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX County Eligibility Service dated XX/XX/XXXX, Case Number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
My mortgage increased abruptly. I called the mortgage company and I was told that the reason for the increase is due to the home owners insurance. I then called the home owners insurance company and informed them about the increase. the Home owners insurance company set up a conference call with my and the mortgage company. The mortgage insurance lied on the conference call and informed the home insurance company they never received payment. Please be advised my Home owners insurance is deducted every month along with my taxes on my mortgage. I will also upload all documents. The conference all was conducted around XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OK

Complaint narrative:
XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Receivable Performance Mangement LLC is trying to collect money, property, etc by using setting up a real estate scam in my name. They first started by buying undeveloped land in XXXX, Washington and then keeping the funds that they stole from my trust account @ XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called BOA on XX/XX/2018 and wanted to make a payment and setup a RPP. the agent advised me she was not able to setup a RPP because their system was down. She took my name and nymber to setup a call back. no one called me on XX/XX/2018. i called on XX/XX/2018 for same issue., The agent said their system was down and would have to call me back. no one called me back. i called again i left a message to my SPOC to call me. He never called me back either. on XX/XX/2018 i called to speak w/Manager, which was not avaialbe. The agent took my payment and then stated she could not setup my RPP plan after she took my payment. I told her that was all the funds i had because i wanted to use them for the RPP. She said a down pmt was not required and i said that was incorrect they have always asked for a down pmt. so the call was then disconnected. So now i am due for 3 payments plus my XXXX pmt and i paid {$500.00} on XX/XX/2018 and still have no RPP on my account. I can afford a payment of {$800.00} to help me bring my acct current, I wanted to give my financials over the phone and she said i had to fax them. so much is required for a RPP when back then i could just call and get that taken care off. I need some of my late fees waived and set my acct on a RPP.

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 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XX/XX/XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3.  My FTC report 4. My Small claim form

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Bond And Collection Associates, Inc.
State: PA

Complaint narrative:
XX/XX/2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive SSI Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX-XXXX XXXX. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX XXXX   XXXX. I pay through the Pennsylvania XXXX  website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX continuously periodically keeps running my credit as if I'm applying for a auto loan with them. This has been going on since XX/XX/2017! I have not given them permission to do so. When contacted I got no answer, company denied.

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 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : Medical Collection Dispute File # XXXX dated XX/XX/XXXX Dear Sir/ Madam, I refer to TransUnion Credit Report File # XXXX dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I get repeated phone calls from different numbers related to the company I have my student loan through. Today, XX/XX/XXXX, I have already received 4 calls as of XXXX. Yesterday, XX/XX/XXXX, I received 6 calls for the entire day. They will also call me using different numbers either out side of my state or in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Credit Services, LLC
State: NM

Complaint narrative:
XXXX XXXX, XXXX is representing the creditor Pinnacle Services, LLC that is trying to collect on an old debt for a XXXX XXXX bill dating back to XX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from XXXX XXXX, XXXX dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Financial Credit Service, Inc.
State: VA

Complaint narrative:
On XX/XX/18 I noticed a missed call from XXXX. I am seeking new employment so I returned the call. The call was answered by XXXX XXXX who said good afternoon ( it was XXXX XXXX ET ) who said he had an affadavit for XXXX XXXX ( my maiden name, hasnt been used in 20 years ). XXXX says he needs to refer me to XXXX XXXX because my case has " red '' all over it and another department handles this. He recited my current county and SSN which was alarming, he said the call was regarding a credit card account that was removed from my credit report because it is over 7 years old but to avoid a judgment for the {$3700.00} I could pay {$1500.00} today to avoid legal action. At this time another call is coming from an Ill number, I switch over to answer and its XXXX XXXX from ARA with the same request stating I am in breech of contract with an old XXXX XXXX account and to avoid legal action I need to pay. I informed him I would contact my attorney and need a number XXXX xt. XXXX. I asked them not to call anymore and send the request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am writing you regarding XXXX  XXXX  XXXX. They have placed 2 collections on my credit reports for {$230.00} and {$270.00} with XXXX XXXX allegedly being the original creditor. I have written them certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to verify or validate the alleged debt and send me an original contract between them and I. They have failed to do so on every occasion. I have asked them to remove this from my credit reports if it can not be validated. They have failed to do that as well. They failed to send me a dunning letter for the {$230.00} amount prior to placing it on my credit reports and, therefore, failed to notify me of my right to dispute. All they send me when I ask for validation or verification is a computer generated statement from company records, which does not prove that I have any contractual obligation to them. They have never loaned me any money. They are not named as a creditor against me on any contract I have ever signed. I am also disputing this with the credit bureaus. Portfolio Recovery has inquired on my credit reports an obscene number of times, without my permission. Looking at my credit reports, XXXX XXXX is not reporting delinquent debt from me. They are reporting an old credit card account that is closed and was in good standing. They are also reporting open credit accounts that I have with them and am paying on. Portfolio has listed themself under " banking '' on my credit report but have never loaned my money and I have never opened any account with them. Portfolio Recovery is harassing me via mail and phone. They are calling my employer after I asked them not to contact me via phone. They called me at work today and threatened to start calling my family members if I did not provide them with an alternate phone number. They have called my XXXX year old son, telling him that I owe them money. They call repeatedly using different phone numbers. They have repeatedly been mailing me the same computer generated statement. They have broken so many federal laws and are causing damage to me, financially and with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report and was notified of an inquiry made into her credit file 4XX/XX/XXXX by Capital One/XXXX XXXX ; this was done without her consent. An official dispute of this was mailed to that office XX/XX/XXXX ; however that office failed to follow FCRA guidelines and investigate the inquiry any further. As of this date the inquiry still remains on my clients credit report. This action is a violation of FCRA.

Company response to consumer: Closed with explanation