vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. <P/>On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ULRS, Inc.
State: CA

Complaint narrative:
I XXXX XXXX Contacted Credit Collection Bureau to settle a debt of {$400.00}. I politely spoke to a individual name XXXX concerning the account number XXXX-a credit account number XXXX. I wanted to negotiate an amount to close this account and do the right thing by paying this financial responsibility within reason. We spoke on a Friday and had inform her that I would call the following week. I then received a phone called from a person named XXXX XXXX who called from a company name United Legal Group. First and foremost i never gave this company permission to call the number that was contacted. This person who I assume is a male was very unprofessional he told me that this account was escalated to his department and I now owe an amount that I had never been made aware of. This amount was some odd thousands of dollars. He spoke to me about his religion and that he was fasting. He began to tell that god XXXX needs this money. He said God does this work i need to pay him ( God ). At one point we had agreed to settle this debt he would ask his supervisor if the amount I would offer would be an ok. He then claims to be a manager. I then decided to end the call after all the unnecessary statements that was made by this person. He also threaten me that he would put this negative remark on my credit. I asked this person to not contact me and I stated that I never Gave Him permission. I then received other harassing phone calls from others at this United Legal Group. Im writing this information to be protected in some way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt is originally from  XXXX   XXXX  and it was opened i n  XX/XX/XXXX  it w  as then closed and transferred to Midland Credit Management in  XX/XX/XXXX . The  amount being reported across my credit report is fro m Midland Funding and Midland Credit Management is   $  XXXX  {$880.00}. I have tried several times to reach out  to Midland Credit Management in regards to this debt in requesting for proper VALIDATION of this debt, as I know that I DID NOT open a credit card account wit h  XXXX   XXXX . I have only received copies of statements for this debt but nothing has been sent to me with my signature authorizing this account . Midland has since been reporting under both names Midland Funding and Midland Credit Management across my c redit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I previously filed a complaint against this comapny wit the consumer financial protection bureau. The complaint number assigned was XXXX. After the company sent a response, you closed this complaint. However since their response is missing information I need to file a new complaint. Portfolio recovery attached copies of credit card statements that have two addresses that I never lived at. The first address they have for me is XXXX XXXX XXXX, XXXX XXXX. XXXX, FL XXXX. The other statement shows this address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX. None of these addresses are mine, and this is the reason why I previosuly requested from Portofolio to get me a copy of the signed credit application. And instead they sent me statements. Statements ca n't help me get to the bottom of this and this is why I demand that Portfolio Recovery requests the original creditor to provide the copy of the signed credit application. I see on those statements that there appears to be payments made to that credit card. Portfolio should also ask the original creditor to provide copies of the forms of payments received such as copies of the checks received, copies of any money orders they received or copies of online forms of payment which eventually contains the bank account name and address of the person that made those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
This company has the wrong address on file for me. It was an attempt to collect a Co-pay from my insurer. They did not notify me appropriately of any debt owed. They did not send the bill to the address on file with my insurer. It alerted on my credit report and that is how I originally found out about the debt. When I called the company to resolve they admitted they sent the letter to an address that does not accept mail. It was returned to sender and there w as n further  attempt to contact me. Ive offered several times to pay the debt in full but they are refusing to delete the delinquency off of my credit report once ive paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My property address is XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX I am a XXXX XXXX with XXXX and fully financed a condo. I had a first and second mortgage ..The first was recorded in error before the second by the title company but, they were with XXXX XXXX # XXXX and Citigroup XXXX . I was told when I entered the HAMP program that the second mortgage with citi did n't need to be included. I now have a personal judgement against me by citi for the full amount plus interest on a still upside down loan where that property wo n't be paid off until 2044. I am trying to deal with Citigroup but, they told me this account was archived. I 'm not sure where I stand on this or what my rights are regarding this situation. Any assistance would be greatly appreciated.

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 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have my student loans serviced through Navient. My payment started around 600 and then went up to XXXX. I was not notified. When I called to inquire why this took place, they told me that my forbearance ended. I was not aware I was in forbearance. At that point, they did an income driven amount and the new payment would go back to around 600. They placed me in forbearance in order to get " caught up '' with the past fees and payments ; which was capitalized. About 12 months ago, when my forbearance came up, I was under the impression that my payment would return back to around 600. No! My payment was XXXX bucks. At this point very frustrated, but I contacting them again. My income decreased, so they told me that I would qualify for the income driven payment program and said my payment would be around 300 a month. I was told to call back in XX/XX/XXXX to make sure this as approved, because that is when my new payment of XXXX would be due. This inquiry took place XX/XX/XXXX. I just got off the phone and XXXX ( Navient rep ) stated " this was approved in XX/XX/XXXX for XXXX per month, you are 60 days past due. In order to get you caught up again, you need to agree to forbearance so that the XXXX will be capitalized and then just pay a payment of XXXX for XX/XX/XXXX payment and you will be up to date. My payments are now scheduled on the XXXX of each month for the amount of XXXX. I am concerned that they will all of a sudden bump my payment back up without any notification. Plus, the amount that has been capitalized over the life of my loan has been a large amount. I currently now owe XXXX ( I got my XXXX-XX/XX/XXXX ) but ended up out of school with much less debt. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Mortgage sent a letter stating I needed to provide proof of flood insurance because their system showed an update as of X/XX/2017 that changed my condominium 's flood zone from XXXX to XXXX. I contacted my home owner 's association ( HOA ) rep, and she stated that per the association insurance company, my property is not in a flood zone. <P/>With all the back and forth, Suntrust force placed flood insurance on the condominium unit. I got the notification today, X/XX/2017. The letter is dated X/XX/2017. I contacted Suntrust to find out what they used to determine my unit was in a flood zone and was on the phone with the insurance department for 30 minutes. I was checking the FEMA flood map for my address while I was on the phone with them and it shows clearly that it 's in zone XXXX. They finally admitted that they do n't have any documentation that shows my flood zone changed from XXXX to XXXX. <P/>They are requiring that I show proof that it 's not in zone XXXX. I am upset that they can force place flood insurance without any proof that my property is in a flood zone, and that I have to get proof to show otherwise. That 's like saying Suntrust thinks I 'm guilty and I have to provide proof I 'm innocent. Should n't it be the other way around? Should n't they have to show documentation of a change in the flood zone? My HOA would need documentation before getting insurance coverage, why is Suntrust allowed to force place flood insurance without proof? <P/>Suntrust should either show proof that my condo unit is in a flood zone, or take that insurance off as well as refund me the fees and interest they charged because of that insurance.

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 2017-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
This debt is in regards to my XXXX vehicle insurance and assigned to a collection agency. On XXXX/XXXX/XXXX my vehicle was recovered by the lender because I was no longer in a financial position to pay as I lost my job around XXXX of XXXX and I began to receive unemployment benefits. I called XXXX to cancel my insurance policy and remove me from the recurring payment system but it seems that they failed to do so. I also moved from the home XXXX had on file. My home address was never updated either even though I called a local XXXX office to make them aware of a change of address. Recently I started to receive all the mail that was being returned to XXXX. If they would have updated my address I probably would n't owe the amount the collection agency is attempting to collect. The collection agency is attempting to collect a debt that is not valid. My XXXX XXXX XXXXXXXX XXXX was no longer in my possession, therefore, I did not need coverage. I made XXXX aware of my vehicle being taken away from me and requested to remove this vehicle from my policy. According to XXXX I am being charged all the way to XXXX XXXX XXXX but my vehicle was taken XX/XX/XXXX. I should not have to be responsible for insurance coverage on the XXXX XXXX XXXX. I need assistance resolving this matter with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: ECMC GROUP, INC.
State: TN

Complaint narrative:
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named ECMC is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and ECMC orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

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 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was served a claim/judgment form Midland funding for the amount of XXXX. I noticed this account on my credit report and have written the 3 bureaus to please validate debt. I have written the 3 bureaus several letters within the last 6 months. Now i have been served court papers without proof the debt belongs to me. Midland funding or the 3 bureaus has not sent me validation of the debt. I am making this complaint because I feel I am being sued in error with no proof. I have requested for Midland to produce any credit application signed by me, to please produce all statements from beginning to present and to produce detail regarding alleged charges by amount, type and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
I am paying monthly amount of {$300.00} to debt collector https : //www.ldvlaw.com/ for the money I owe to XXXX XXXX cc, which I incurred when I was laid off/unemployed in 2009. I asked https : //www.ldvlaw.com/ to send or email me a monthly statement and they said they " do n't things like that ''. They also take a 10 % commission. I really would like to see what my balance is on regular basis. Please look into this matter and address this lack of accountability. <P/>XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX Nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting that a payment was made in XX/XX/XXXX. This account was included in our Bakruptcy Discharge XX/XX/XXXX. No payments were made after that. Therefore, The information on my Credit report is incorrect. This account information schould be removed from my information the only info listed schould be, Account Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a home for 15 years through JP Morgan Chase  XXXX   XXXX   XXXX   XXXX , CA  XXXX  And put {$600000.00} through the course of 15 years and I was in active bankruptcy and the home was taken from me. Also, I qualify  as one of the homeowners who go wrongful foreclosure through JPMorgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
While trying to get a XXXX XXXX account and also a secured card through a credit company, I found out there was different information on my TRANSUNION credit report. When I contacted TRANSUNION, they had my last name from a previous marriage over ten years ago and refuse to change it. They tell me to contact my creditors, even though I have never opened up an account or gotten a loan in my entire life. The only thing I have is medical debt, all acquired in the years of my current name. I am at a loss of what to do and can not improve or move forwards creating credit for myself. THEY REFUSE! They also had a previous address and I would have to send information in to fix, which is going to have the wrong name and get thrown out anyways. HOW IS ALL OF THIS NOT ILLEGAL?

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
Hello I called RushCard on X/XX/17 and X/XX/17 to get information about my cards services rushgoals explaining the feature in detail also to breakdown my actual deposits and amounts for a lawyer. This information was not provided to me as I was disconnected from the call by a representative twice. There is no corporate contact number as this is for legal purposes.I also asked for corporate contact info and the legal department info as well and was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
When the original creditor called we were confused about the debt because they were saying XXXX XXXX and I have a XXXX XXXX Credit Card. We told them we did n't have an account with them and they said thank you and we never heard from them again. Now they have apparently sold the debt to LVNV Funding and they call and tell me they are serving me with papers and going to be contacting my place of work. I am not even sure what this is about.

Company response to consumer: Closed with explanation