vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-21 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: Credit Protection Association, L.P.
State: MT

Complaint narrative:
I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. 

I got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. 

Numerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. 

We feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. 

We would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra.

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 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
after pulling my report from XXXX noticed a large debt that was reporting different amounts on the credit bureau and i was never contacted that was not paid by my dentist office. explained to the creditor i was not aware of this debt. was not given any info but told me the amount to pay was XXXX for a XXXX debt that accrues at 1 % a month not paid. i cant pay what i do n't know i owe if any. my dentist office agreed to accept the balance from a non profit which they talk to and confirmed on the phone. i 'm not sure why XXXX family dentist did not contact me to say they did not receive the pledge promised years ago. i contacted them today XXXX/XXXX/16 and was told they kept the debt in their office for 1 year before sending to collection. they had my address and phone number but chose not to contact me. i informed them that this would roll off my credit shortly but i did not know about this until now. i was too sick in the past to worry about this kind of stuff because i have a home health aid who is suppose to make sure all this kind of stuff is taken care of. i 'm disable and not able to handle things like this and on XXXX of only {$1000.00} a month from SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A company which I had transacted a purchase in the past ( about 2 years ago ) charged my account for {$230.00} in XXXX of this year. When I called the company I was told that they had no record of charging me for this and instead wanted me to give them my credit card number and other personal information. I refused to do this because I gave them the transaction number and they should be able to figure it out without all of my financial information. I disputed it immediately. I had to chose from a drop down list of options to dispute the charge and the only one that applied was a fraudulent charge. I felt like my account had been compromised since this company was using my information from a past purchase to steal from me and stated this in my dispute. The bank has done nothing except call me once. They did not even stop the card numbers and re-issue new cards until I threatened them with filing a complaint with CFPB on XXXX XXXX 2016. At that time they re-issued new cards which we received on XXXX XXXX, 2016 to me and my spouse but did nothing about the fraudulent charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I have an escrow account with my mortgage company to pay my property taxes and homeowners insurance, my 2015 summer taxes were not paid by the mortgage company they are delinquent XXXX XXXX, when I discovered that the taxes had not been paid I called the mortgage company to tell them, I was told that they cut a check XXXX XXXX, 2015, I told them that the city did not receive the check I was told that they would give it to the department that handles the Michigan taxes, I said ok, then I receive a letter from the City XXXX, on XXXX XXXX, 2015 stating my taxes have not been paid and penalties and interest are added I called the XXXX department back at the mortgage company and was told that the first check in the amount of {$3200.00} was put back in my escrow and a new check in the amount of {$3400.00} reissued, ( which means the took the penalties and interest from my escrow also which should not be done ) the said that check was sent on the XXXX of XXXX, I called the City of XXXX to see if they had received the new check today they had not I called the mortgage company to tell them that my taxes are still not paid, and all I get is the run around. I have come to the end of my rope with this mortgage company, I have had nothing but problems with them since my loan was transferred to them almost two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: WA

Complaint narrative:
I am writing this complaint to request assistance with what I believe is an oversight related to the national mortgage settlements. I purchased my home in XXXX, 2007 with what I now know was a predatory, adjustable rate mortgage loan through XXXX XXXX. I unknowingly received XXXX mortgages when I purchased my home because I did n't qualify for the purchase price of {$320000.00}. Somehow XXXX approved me by giving me XXXX separate mortgages on the same day ; a first and XXXX mortgage. When I realized what was happening I was already emotionally invested and on a deadline to move out of my apartment. I had never purchased or lived in a home for that matter and was nave to the business ; and the alliance between the realtor, seller, and attorney " suggested '' to me. My home is currently in foreclosure and only worth XXXX {$140000.00}. 
My 2 XXXX XXXX have been transferred several times over the past XXXX years. XXXX, XXXX, XXXX, 21st MORTGAGE, and XXXX XXXX XXXX have serviced me since that time. 
I received a letter from XXXX XXXX XXXX back in XXXX forgiving my second mortgage due to the settlement with the DOJ. I never received any offers or notices of settlements from the other mortgage companies ; and I 'm wondering why I was n't entitled to any relief or reduction in the first mortgage, which is now being serviced by 21st MORTGAGE CORP . I am bankrupt and in debt just because I wanted to live the American dream! What 's worse is I faithfully paid my mortgage for XXXX years- over {$120000.00} in just interest-and now I 'm losing everything because I had a reduction of income after the birth of my son XXXX. I did everything I could to keep my home. I filed for Chapter XXXX. Modified. I just could not keep up with the XXXX mortgages and payments to the trustee without choosing between food for my kids and paying all my other bills. I just want to know if I 'm entitled to anymore help after such a farce has wiped out my entire life savings and left me in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This company says I owe XXXX for XXXX XXXX XXXX. I lived in XXXX, XXXX and XXXX does n't serve the area of XXXX I lived in. 

I 've tried to have it verified, but all I get is this for a answer. 

Credit Protection ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Cable/Cellular ; Client XX/XX/XXXX ; Amount {$360.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$360.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-01-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Automatic Data Processing, Inc.
State: TN

Complaint narrative:
I have a ADP TotalPay card for my paycheck that is direct deposited every week. I used my card on XXXX/XXXX/2016 to pay {$20.00} to XXXX on my credit card bill and I had a larger balance showing that the payment was received. The payment posted within 48 hours but I tried to use my credit card on XXXX/XXXX/2016 and it was declined. I came home and pulled up transactions and it shows that the payment was returned. I called XXXX and they told me that the payment was not sent from my financial institution. I puledl up the transaction history on ADP and there is no record of this transaction at all, not even showing it was declined, let alone going through. I checked the payment history on XXXX and the payment posted on XXXX/XXXX/2016 from XXXX XXXX Bank with confirmation number of # XXXX but ADP is saying there is no transaction for this date. I was on the phone for about 3 hours trying to get it resolved and all they told me was they have to investigate it and it will take 1-5 business days to find my {$20.00}. I am extremely irate at this point ... it did n't take them 1-5 business days to not send my payment. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Financial Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. 
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. 
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. 
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. 
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights.

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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
RE : Consumer ID # XXXX I am a victim of Identity Theft and have had my information stolen and was fraudulently used to open accounts ( Credit Cards, Checking/Saving Accounts ). I have been in contact with the Credit Bureaus and disputed those accounts, I have also contacted the creditors of those accounts and made them aware that my information was fraudulently used to open accounts. I have also filed a police report with the XXXX Police Department regarding my situation and they have advised me to contact the proper credit bureaus and creditors to let them know of this matter. 

There are XXXX entries for a negative reporting on the report from XXXX and I have contacted chexsystem to dispute this as identity theft however they are not willing to investigate or remove this entry on my consumer report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Somebody used my Capital One credit card and charged over {$3000.00} international, Capital One they, blocked the card, I called and let them know that was not my charges. Capital One ask for my id 's DL, copy of a bill and SSN. I gave them all these to investigate and in the meantime as they were investigating they re-open my card to a caller how called Capital One as me, giving them all my personal info. Name, Address, SSN. Instead Capital One to investigate this person released the card back to this person who was not me. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northland Group Inc
State: DC

Complaint narrative:
I have received multiple calls to the office of my new employer about a debt no one will provide information to be about. This is very strange because I am a new employee of my company ( 3 months ) and am not publicly listed on a home site or staff directory. I also do not use my work line for online purchases or other transactions where my information could be passed along to third parties. I have no idea how they found my office line, and when I spoke to them once on the phone they refused to tell me where the information came from. 

Additionally, I have no account or outstanding debt with XXXX XXXX XXXX, the company they claim to represent. I have logged onto their system and it shows I have no account with them. None of my " Account information '' has my current work number listed as a way to contact me, which is another reason it is strange to receive multiple calls to my work line. In their online comment section, and employee told me that nothing was showing because they had passed my debt to a collection agency -- but refused to provide me with information on what the debt is, where it came from and for how much. 

I am not sure if this is a bad debt collection practice, or they are fishing for more of my personal infomration. At this point, I have no idea what I owe, or from where, or from whom -- and yet they are calling my office multiple times a week. This is a huge embarrassment as I am a new employee and the calls go directly to the front office staff, who now think I am a financial delinquent. 

I have sent letters directly to XXXX XXXX XXXX asking them to stop calls as directed in the FDCPA. They have not responded. I have also sent a copy of that letter to their email address and faxed a copy. The calls have not stopped, and I have no idea what the alleged debt is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 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: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I know newspapers are struggling to stay in business these days because it seems only old people read them. But they can not force you to take their paper. We had a 13 week subscription, for {$27.00}, that had ended. The XXXX sent a renewal for 13 weeks for {$55.00}. My husband decided it was too much money so he wrote cancel on the renewal and returned it to the XXXX. The XXXX continued to deliver the paper and send us bills. The XXXX called day and night to get us to renew. We kept telling them we did not want the paper to take us off their phone list. Then a women called from the XXXX to say we had to pay for the papers. I told her we had not ordered them and were not going to pay. We then received a letter from A.R.M. Solutions, Inc. at XXXX. XXXX XXXX, XXXX, Ca XXXX a collection agency. All this time the XXXX kept calling to get us to take the paper. Finally someone offered my husband the paper at a cheap price for 13 weeks. He said ok, then they told him he would have to pay the {$55.00} for the papers we had not ordered. He told them to forget it. My husband is XXXX years old. He enjoys reading the paper, but not at any price. I do n't like to be taken advantaged of. At the advice of the Consumer Financial Bureau we sent a letter to the collection agency saying we disputed the charge. This is very stressful.

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 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Northland Group Inc
State: MD

Complaint narrative:
The Northland Group Inc XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc
State: AZ

Complaint narrative:
I am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am a victim of deceptive advertising on a " care credit card '' for dental for my daughter. I read the pamphlet as well as my husband did. We applied for it with my sister as a co-sighner ... I have paid on this credit card for years ( approx. 9 ) years I borrowed approx. XXXX. I paid on this card a min. payment just to find out I had to pay by a CERTAIN TIME!!!. They added XXXX to my balance ... years later my balance is still XXXX dollars. I certainly would not have gotten this loan knowing what I know now.!!!! Please help me I want this loan gone I have paid for the XXXX 3 times over im done ... I feel so cheated. who do I go to. I was going to contact a lawyer not sure. 

XXXX XXXX ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
GE said I opened an account in 2012. I did NOT open an account in 2012. It is a deceptive practice to keep derogatory marks on my credit.

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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB will not work with me for nothing they told me they didnt care

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 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. 

Thank you for your investigation and enforcement of the applicable laws for consumer protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
JP Penney claims that they sent the bill of {$5.00} to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from XXXX to 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 2016-11-21 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: Conn's, Inc.
State: TX

Complaint narrative:
I have contacted BOTH companies numerous times. Conns sent me a letter stating this is sold to XXXX. XXXX sent me a letter stating they have contacted the ORIGINAL creditor numerous times with no response. I have since mailed/emailed XXXX as well as Conns to remove this # XXXX it 's not mine # XXXX they can not /have notverify this account no response since XXXX 2016

Company response to consumer: Closed with explanation