vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
National credit adjusters never sent me a dunning letter they just put this account on my credit report.I do not have a contract with national credit adjusters and they is reporting on my experian credit report. 
Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that national credit adjusters prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount national credit adjusters claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Fleet Financial, Inc.
State: SC

Complaint narrative:
I was advised upon refinancing my loan that it would look better if I took on an extended new car warranty. I was advised that it would look better and this would determine if the new company would provide the loan or not.-Per XXXX XXXX XXXX that is not true. I explained to the agent that my car is brand new and has an excellent warranty from XXXX, my car has low miles. I contacted the Credit Union with whom I was placed with and was advised that my loan determination was not contingent upon GAP insurance or an Extra Warranty. On XX/XX/XXXX and XX/XX/XXXX I sent an email to XXXX XXXX to advise him to remove it and he never responded, I called on XX/XX/XXXX advised Mr. XXXX that I needed them removed he told me that I would have to pay a {$200.00} down payment to have the GAP   removed. He advised me that I " refused '' to pay the down payment in the beginning. In the beginning XXXX was checking with the credit union I was advised that I may or may NOT have a down payment. I received the forms, sent them back and then I was told that I would after the fact. By this time that money was spent. That was not a refusal but poor communication on the agent 's part. I explained to XXXX that he never got back with me on the down payment that I did not have a problem paying but after he did NOT communicate it further. XXXX XXXX XXXX covered the entire loan my question is why would I be asked for {$200.00}?. The information I received from I Lending opposed to The actual place who gave me the loan is conflicting, from the suggested requirement of having GAP, Extended Warranties ( my car is a XXXX has a new car warrenty ) to get financed as well as a down payment which seems more like a fee from I Lending and not the credit union. At this point no one has called me back to resolve the matter, I know my rights and want the GAP and Extended Warranty removed ( as I was advised to do by the credit union ).

Also I referred someone to ilending ( before my issues ) company and he used my name to get a referral I was told by XXXX XXXX that I would not be eligible because the party did not use him specifically. Well on the website is says if your refer someone to " US '', us meaning a collective group not an individual. 
Also, I was given this great speech about skipping a payment, I was not told about the fee of {$60.00} that is added to my loan for that. In the end I just ask that they remove GAP and the Extended Warranty- I have enough insurance and don't need to pay for something twice. 

Please contact me XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did NOT authorize these inquiries, these companies DID NOT have a permissable purpose, and I DID NOT sign any applications, I have also ADDED a fraud alert to my credit reports! 

XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XXXX  XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XX/XX/2018,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
GAP Visa Signature Card is blocking me from enabling external applications including XXXX and XXXX. I need full access to my financial data.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I accidentally made a double payment on my Lowes account in XX/XX/2017. I cancelled the payment scheduled for XX/XX/XXXX to correct that not realizing I could not do that. XXXX XXXX contacted me several times and 2 different persons told me id I caught up this missed payment they would forgive the late fees. I did as they asked and ignored the late fees as they had told me they did not apply. However, every month after that they added more fees until my {$67.00} payment due increased to {$130.00}. At this time I borrowed this amount from my neighbor and paid the amount they requested to keep my credit in good standing. Synchrony continued to add fees until the current balance owed is now {$340.00}. I have spoken with them on several occasions but without a good outcome. I have contacted Legal Aid, LOA and Veterans Administration ( I am the widow of a veteran XXXX on XXXX XXXX ) who did not even bother to respond. I am supposed to be eligible for legal assistance as a XXXX era widow. My lawyer suggested I contact you for assistance as she could not help me.. I live on a fixed income and have not the resources to pay Synchrony what they are asking. Incidentally, this account with Lowes is over 20 years old and has been paid in full several 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 monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to get my account either unfrozen or closed with a check mailed out or have the eft transfer sent back to the bank it came from since XX/XX/2018. I initiated a electronic transfer from my wife 's bank account with her permission and her physically next to me when i did it. we did the transfer because i have a different account and we where waiting for her new debit card and we needed to pay bills. My bank Simple Bank who's owned by BBVA COMPASS started the account verification process to make sure it wasn't fraudulent and that permission was granted. They do this by making two small deposits that are under a dollar each and then i would have to verify the two amounts. This process is supposed to verify at least two things The identity of the other account and to make sure it gets verified. I verified the two amounts and was allowed to initiate a electronic transfer. Simple Bank transferred the money as soon as the money was deposited into my account they froze my account. I asked them why they froze my account and they told me it is because they need to verify the external account. I was confused because they were supposed to verify the external account before allowing me to transfer money. at least that is what i understood by their so called " external account verification process '' which is supposed to take 3-5 business days to do before allowing and transfers. They wanted two bank statements of the external account, a copy of my social security card and a picture of my license or ID. I have two poroblems with that, first i don't feel comfortable sending vital documents over an email secured or not. Two, I can't get the bank statements or anything from the other account because that bank closed the account due to unrelated reasons. I asked them to send the money back to the external account but they claim they aren't allowed to do that. I asked them to close the account and send a check to me, they claim they can't do that either and they refuse to unfreeze the account unless ALL of the requested documents are sent. My wife and I, Need that money back to pay bills we are behind on now because of this. I know they have the authority to close any account at any time for security resons. I dont care if they do that as long as i get all of my money back {$2500.00} to be exact. That was the amount of the transfer. The total available balance in the account is {$2500.00}. I need to recover that money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
medical data systems never sent me a dunning letter they just put this account on my credit report.I do not have a contract with medical data systems and they is reporting on my experian credit report. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that medical data systems prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount medical data systems claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.

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 2018-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
About a month ago I got in touch with a account specialist at mrcooper I am really greatful that mr cooper is offering me a new modification due to the disaster that I encounter months ago it was a really big help I am very thankful and for ever thank mr cooper for their big help. Now Im a little disappointed that as much as I try talking to an account specialist regarding the new payment of the new modification of XXXX its still a bit high I want to ask mrcooper investor or investors if there is more than one to please reconsider my age and now that Im a senior. I want to continue with my home and start fresh I also want to mention you once again that if the disaster wouldnt have affected me I wouldnt be in this situation right now and of course would be current before the disaster I had a family emergency that cause me to fall behind one or two months but I still kept on giving my payments also after the disaster 3 months lower payments that I completed I still continued giving my payments. 
I understand that Im not current at the moment but it is my priority to keep up and to keep my home but it is necessary for you to understand that I have a neighbor whom is an attorney and he advice me to ask you to lower my payment a little less from the XXXX I would like to keep the 3.00 interest that you are giving me and offered me in the previous modification. 
The payment back than was XXXX Please help me get a payment from XXXXto XXXX Im not asking you for a big difference only to drop the payment XXXX or XXXX less but I will be happier if its a little more than than and keep the 3.00 interest. 
The attorney said if you are offering me a new modification the new payment should always be less than your previous payment which was XXXX it should be less if my lender is offering me a new modification and keeping the same interest. 
Please help me I want to keep my home and start making my first trial modification payment this XX/XX/2018 or XX/XX/2018 It is my priority to keep my home and Im a senior citizen whom is asking you for your help by keeping he same interest at 3.00 and have you lower my payment a bit less than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I applied for Hardship around the begining of XX/XX/XXXX, with many times being told to send in this information and that paper I was denied with CLEAR evidence of my hardship from letters from my Doctor 's etc and lost 50 % of my income. They still added up late fees during my hardship application that they said were not going to get assessed. They would rather have my home go into forecloser than help. I am a XXXX and obviously will have work after having, XXXX. that is pretty much common sense this day with all of the XXXX shortgage in the USA.

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 2018-07-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint is against Experian credit reporting agency. I disputed a 20 year old item listed on my report as " XXXX XXXX XXXX '' in Michigan. It list an opened year on XX/XX/1997 but no last date of activity. This is a direct violation of my rights according to the Fair Credit Reporting ACT. This information must be removed and Experian refuses to dispute it on this basis. Instead they continue to inaccurately report it costing me employment and credit opportunities.

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 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

Account # : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was notified by mail On XX/XX/XXXX that a writ of garnishment was being filed on me. I do not know who the original creditor was. The letter seemed to be from the XXXX XXXX County Clerk of Court in XXXX XXXX, FL. The amount that is being garnished from my account is {$2000.00} dollars. The letter stated that I had 20 days to reply to the letter before any action being taken. Along with the letter was a claim exemption form that I needed to fill out and send to the Garnishee ( My Employer ) and the Attorney for the Plaintiff which I did within the given time frame. 

I received a second letter that was dated five days later stating that the garnishment went into effect immediately without them waiting for the given time frame to expire and without getting my response or claim exemption form first. As I checked my pay stub, it shows that my paycheck was garnished {$240.00} for the pay period. I am furious, and disturbed that this can happen to the head of a household that earns less than {$750.00} per week. I need help and answers. The Plaintiff that is garnishing my wages is XXXX XXXX. 

* To further make matters worse, the correspondence that was sent to me has my first name misspelled. This may not even be a debt that I owe or that is even my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company has repeatedly called and left numerous messages even after I communicated that I do not owe this debt. It is a medical debt and I never gave them permission to access or discuss my medical information and is a violation of HIPPA. I have ask the company to validate the debt and provide me with a contract between myself and this collection agency and to date I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2018, EQUIFAX is SOMEHOW keeping a FRAUDULENT address on my credit report, None of the other CREDIT REPORING AGENCIES, XXXX OR XXXX have this address on my reports as you will see with the ATTACHED PDF DOCUMENT. I am DEMANDING that they PERMANENTLY REMOVE this FRAUDULENT address from MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Again, the above is an ADDRESS I never lived! & needs to be PERMANENTLY DELETED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband was offered a job by a woman through the website indeed. She hired him and sent a check to him saying it was for computer software and parts he would need to purchase in order to start training. She prompted him to send funds to these people in exchange for their software. We deposited the check on a Friday and on Tuesday the funds became available to us. We followed the prompts and did as the hiring recruiter asked. All the Money was disbursed. The following day our account went negative. The hiring recruiter and check were a fraud. We contacted the banking center for help, the police station, XXXX XXXX ... .. no one has been able to help us resolve this issue. Our account remains negative. How can my bank release that full amount of money without seeing that the check was a fraud. I have sometimes had transactions that only partial money was released until a later date. This was not the case here so I never hesitated that the check wouldnt have been good. I have all documents, case numbers, contact info of the recruiter Any info you may need. Please contact me and help me resolve this issue. Thank you for your time.

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 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

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 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I ask to Paypal to issue a refund ( {$62.00} ) because an item I paid online on XX/XX/2018 ( not XXXX ) and they open a case ( Case # XXXX ) I had satisfied all they ask for and they told me on XX/XX/XXXX that will issue the refund and it is XX/XX/XXXX and I didn't receive my refund yet. Aslo paypal had limited my paypal account for some item I sold on XXXX but I didt have the receipt of purchase on my name so they limited my account by paypal policy which it is they right, but why they are still keeping mi information even thought I ask for remove it from their server company and I'm very concern because paypal has been hacked several time. I talk to paypal several time and the refuse to remove my financial and personal information which in my opinion shouldnt be legal or allow. 
please if this matter is not part of your department could you guide me where should I submit my issue. 
thanks XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief