vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Who : XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. 

What : Warrant in Debt obtained in XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$680.00} plus 6 % interest from date of DOJ until paid plus {$59.00} costs. Hearing set for XX/XX/XXXX at XXXX XXXX 

Actions : I contacted XXXX XXXX XXXX on XX/XX/XXXX to advise them that I was unable to be present and ask for a continuance and also to advise them that I have never lived in XXXX XXXX and the creditor does not do business in XXXX XXXX, thus I believe jurisdiction to be in question. My request for continuance was considered by the judge and the hearing was rescheduled. I received a Bill of Particulars from the creditor indicating the new trial date was XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the creditor to advise them that there should be a change of jurisdiction given that I reside in XXXX XXXX and have never resided in XXXX XXXX. My home is not even near the XXXX XXXX border. During that phone call, I was advised that the trial had actually already taken place - on XX/XX/XXXX - and that the Bill of Particulars was in error. A follow up call from the creditor later that day confirmed that the judgment was granted in XXXX XXXX and the creditor advised that I could seek to have the default judgment vacated. The agent stated that it didn't matter that the Bill of Particulars was in error because they would have gotten the judgment anyway had it been on XX/XX/XXXX as I was notified. 

XXXX : There are two problems here. # 1 is the jurisdiction issue. Again, I have never resided in XXXX XXXX. I reside in XXXX XXXX. The creditor does not have a place of business in XXXX XXXX either. # 2 is the incorrect Bill of  Particulars. I was given the wrong trial date. The creditor is required by law to notify me in writing of the time and date of the trial. The information was incorrect. Therefore, the creditor did not comply with Virginia law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a total of 75 late payments showing on XXXX, 75 showing on XXXX, 24 showing on XXXX all from of Navient student loans. I have 4 separate accounts numbers across all 3 bureaus. It is showing 75 missed payments from the same company. They send me One statement with all the loans on it. But send to the credit bureaus 10 different accounts. Showing a total of 75 payments. I was NEVER late 75 times. I was on a financial forbearance. I had no employment. 

The company refused to change the status due to a mix up. I was in the midst of a divorce custody battle and all my mail was interestingly disappearing. I should have been on a financial forbearance because I was out of work. However, I was denied several opportunities for work and couldn't figure out why. My score currently is XXXX with XXXX. It is a nightmare. This has been going on now for over 3 years. I recently received my credit score through XXXX XXXX and was confused. When it showed 75 late payments I couldn't believe what was happening. I am currently on a financial forbearance but they refused to change the status. I have written, called, and tried to discuss the issues. They continue to leave the status as it is. I had sent in all the paperwork showing I was suppose to be on forbearance. 

AND they send me ONE statement, one bill, one forbearance but report to the credit bureau 11 different accounts making my score even lower. furthermore, they are extremely inconsistent across the board. They send varying and inaccurate information to the credit bureaus causing my score to do a roller coaster ; making it difficult to get my financial life in order. It is causing lots of undue stress and mental strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Last year on XX/XX/2017 we experienced a house fire in which we were promptly compensated through our insurance company XXXX. My mortgage company PNC refuses to release insurance funds to make repairs to the damaged done to our home. Because of their actions I am unable to pay my contractor or reimburse my self for the work that I completed on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
I have been getting relentless phone calls over the past month. There are too many calls to list. I would miss anywhere from 2-4 calls almost every single day. These calls were mostly made while I was at work. I spoke with a member I believe on theXX/XX/XXXX I explained my situation and why I was unable to make a payment at this time. I was pressed and pressed for more and more information and to why I have not made a payment. The call was not only invasive, it was disrespectful. She informed me that I would not receive any calls for 3 to 4 days. I received multiple calls the very next day. It was the same thing. Nothing I said was accepted and they kept pressing. I asked them to stop calling. The calls have yet to cease. The have harassed me every single day of the week multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: TX

Complaint narrative:
I submitted Numerous request to TransUnion and requested the removal of unauthorized inquiries on my credit profile. TransUnion responded and only directed me to the meaning of inquiries. However, i have further stated before in a separate request to TransUnion that i did not authorize these inquiries. 

I am requested the removal of such inquiries that were not initiated by me. 

I HAVE ATTACHED THE PROOF FROM ONE OF THE BANKS STATING THAT THE INQUIRY SHOUDL BE DELETED AND THAT WAS WELL OVER THREE MONTHS

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 2018-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been trying to get access to my account with Coinbase for 3 months. I have an account tied to a student email address at a school which I no longer attend and I can not get access to said coinbase account, as I no longer have access to this email address. I still have the username, password, and the 2 step authentication still comes to my phone - but I can not verify the account via the email address. I have talked to coinbase numerous times, and they are never helpful. They actual told me that everytime I call of email, my request actually goes back to the back of the line. They say the best way to resolve this issue is to stop calling and wait. I originally contacted them in early XX/XX/XXXX, and I contacted them roughly 10 times between then and XX/XX/XXXX. I stopped calling them at this point in hopes that they would give me access to my account so I can withdraw my funds. They have done nothing. I need someone to help me gain access to my money, as coinbase is doing absolutely nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my XXXX report and noticed that Carter Young for {$220.00}, is still associated on my credit report. Attached is proof that this account was found invalid, and was removed from my XXXX credit report. I have contacted XXXX, to advise them to follow suit and to remove Carter Young {$220.00} off my credit report, which still shows as a open collection on my account. This must be removed from my credit report to show my true credit history, as tis item should not be reflecting on my credit report. 

He is a copy of the Bureaus name, findings, and proof of this removal of Carter Young {$220.00} being removed from my XXXX credit report. 

XXXX 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 2018-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
power to sale is void 736.11a, new lawsuit filed 10 day automatic stay sale during this time filed on XX/XX/XXXX sold XX/XX/XXXX XXXX XXXX XXXX notice giving to him before sale and giving to company and attorney for pennymac also 4 year run after cout case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have been trying to dispute an account on my credit report for over a year. The name of the collection agency is Diversified Consultants XXXX XXXX XXXX XXXX FL XXXX. The debtor is XXXX, the amount showing is {$1000.00}. I have sent several letters the last letter dated XX/XX/2018 stating that they needed to send me proof of my signature that this debt is valid. They sent me a copy of a statement showing this amount. This is not proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been over 4 months since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: NY

Complaint narrative:
In XXXX or XXXX I borrowed from XXXX XXXX so that I could attend college. Since going to school on and off trying to figure out my path, XXXX XXXX informed me I had used all of my allotted forbearance and I had to make payments. They would not help me lower my payments and I just couldn't make them. My account went delinquent, and about 5 or so years ago they got switched to navient. I never signed anything for navient to take over. Keep in mind that what I owed XXXX XXXX doubled in 6 yrs with interest, which is a crime in itself. I have worked with navient I pay an amount i can afford but I have called many times and the settlement is too expensive and not to mention I have problems with my credit because they will not take the account out of delinquent status even though i have never missed a payment in the past 5 years! At this rate I may never pay off this account, or get it off my credit history! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: WA

Complaint narrative:
On XX/XX/18 someone stole my XXXX XXXX card number and information from my XXXX XXXX account, they hacked into the XXXX XXXX and gotten my card information that was on file and made two unauthorized purchases with my card number. They made 2 purchases in the amount of {$90.00} and {$72.00} and attempted to ship it to themselves out in XXXX. Using my name and my information. I called XXXX XXXX but they kept giving me the run around. They transferred me over to the dispute department, unforturnally the line kept disconnecting on me due to high volume calls, making it difficult for me to dispute and get my money back. I don't have all this time to play with them, I need my money. I have bills to pay. I am tired of getting nothing done, they are not doing their job but transferring me and I am being cut of daily as I try to put in a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: NY

Complaint narrative:
this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}

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 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
In XXXX, I started an account with XXXX in order to begin my credit repair journey, they dispute collection accounts on your behalf.They sent my initial dispute on the validity of this alleged debt to XXXX XXXX XXXX I received a letter ( attached ) from XXXX   XXXX XXXX on XX/XX/XXXX, with no proper validation listed. I then sent my second written request for validation via USPS Certified Mail ( # XXXX ) on XX/XX/XXXX. Delivery confirmation was sent to me on XX/XX/XXXX. I have yet to receive any further correspondence with XXXX and it has now been more than the necessary 30 days.

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 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX . The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX XXXX XXXX is practicing UNJUST ENRICHMENT.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continually chooses to report an invalid tax lien on my report. I have asked them to verify this information many times. I have spoken with the company who reported the invalid tax lien XXXX XXXX and they did apologize and deleted the information from my XXXX XXXX report and they have sent this information to Equifax. Equifax chose to remove one of the tax liens but refuse to remove the other. This is hurting my chances of obtaining the credit that I deserve. XXXX XXXX could not verify the tax lien belong to me. I asked the Equifax representative where was they getting this invalid information from and she stated that they received this information from XXXX XXXX, but XXXX XXXX sent them a request to remove these invalid tax liens almost 3 months ago. I should not have to suffer because Equifax refuse to remove an invalid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I missed one ( 1 ) payment in the 17+ year history of this account, and my credit limit was slashed from {$25000.00} to {$7800.00}. Missed payment was due to a family emergency where I had to travel out of town due to an ill member of my family. Bank of America has failed to recognize my long standing payment record, relationship with XXXX XXXX, and claims they have attempted to contact me when in reality, they have not.

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 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Walwick, Inc
State: WA

Complaint narrative:
Date is XX/XX/2018 Gave verbal communication that I was disputing the debt. XXXX XXXX proceeded to tell me that it not valid and it has to be in writing. I requested the address to send in written documentation and he responded with a poor attitude. Telling me that they already sent valid information about the date. I suggested that nothing was received and if they sent anything it was only a Dunning Notice. 
I asked him to change his tone or manner he is handling the call. Then requested a manager. He only sent me to a supervisor. The supervisor said they had no managers on staff they are gone for the day. I also informed her of my dispute of said debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc.
State: GA

Complaint narrative:
XX/XX/2018 company put a collection on my credit that's not mines, asked them to validate the debt. they said they don't need to and hang up phone

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 2018-03-07 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The promotion for the capital one platinum credit card says that there are no interest charges. My credit card was charged interest charges since it was open on XX/XX/2017. I can not send a secure message because they do not have the option on my account profile page, it is all through mail or phone.

Company response to consumer: Closed with explanation