vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: CA

Complaint narrative:
XXXX acquired my federal XXXX school student loans from XXXX and took the opportunity to remove the 2 % discount afforded to my loan repayments, because of auto debit. I called them out on this 4x and also filed a complaint with the XXXX office and still to this day, XXXX can not confirm how much in interest they have overcharged me in acquiring and handling my loans. 

I want a full and immediate refund of the interest charged on my loans. 

Also, what legal remedies do I have for this? I believe XXXX has institutionalized a criminal act and is probably overcharging interest on thousands of other student loans.

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 2016-07-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Collection agency. CENTRAL CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / XXXX Reporting debt from another person on my credit report. 
after several phone calls the agent were unable to validate and or locate neither my address, my name, by the amount owed or by the account number. 
I am disputing the validity of the debt reported to all XXXX credit bureaus by CENTRAL CREDIT SERVICES

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 2015-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Keep getting a call from this number, before it was XXXX XXXX XXXX, I had it blocked and now they have changed XXXX number to call me. I see other complaints online from this number and the XXXX. Can I sue?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: WV

Complaint narrative:
Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
These people call about twice a day. And stagger the call times. About 3 calls are before XXXX, even though I 've repeatedly told them that I 'm now on PST instead of CST

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 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I never Received any Bill 's in the mail. And Medicaid should cover this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
Collecting agents keep calling my aunt instead of my personal phone number, and keep talking to them about my debt and I do n't know how they got her phone number the worst part is that she has a XXXX old baby and they keep calling at night asking for a payment. They said they have send letters which they have n't at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC
State: NC

Complaint narrative:
I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
They sold the debt to a law firm so i could be sued for the debt, an agent at simions agency stated that the debt was no longer with them and to dispute it with the credit reporting agency 's, I did that and then simions agency validated the debt in the dispute. Now they are saying they can not talk to me about a debt they do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2016 at XXXX, I received a voicemail message from Dynamic Recovery Solutions from phone number ( XXXX ) XXXX stating that there was a " matter to discuss in our office ''. The message asked me to call back a phone number XXXX. I promptly called back the number requested on the message. I spoke to a representative who refused to give me any information without disclosing my social security number. I refused to disclose my social security number since I did not know who they were and how they obtained my information. I requested that any debt collection information should be sent to me in writing. 
I did not receive a dunning letter from Dynamic Recovery Solutions until XXXX/XXXX/2016 with a letter dated XXXX/XXXX/16. This is in violation of the Federal Debt Collection Practices act that requires a written or verbal notice within 5 days of intitial contact containing : 1.The amount of the debt 2.The name of the creditor 3.A statement noting the debt will be considered valid unless disputed within 30 days 4.Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days. 

I did not receive this notice until well after the five days of initial contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Amati & Associates LLC
State: DC

Complaint narrative:
A scam " locator '' named " XXXX XXXX '' said he was going to come to my job and/or home to serve me papers regarding some case that I do not know about. He had a case number of " XXXX ''. He gave a return number of XXXX, which is for a company that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
Received a call from phone number XXXX stating that they were Dynamic Recovery Solutions and I needed to call them at XXXX, I have no debt that is not up to date. I did not return his call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank has posted negative remarks of payment lateness on my credit report without providing me with any options to resolve this matter to the best of my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
I has been working with a loan officer named XXXX who at the time was working for XXXX. I had met her through a first time home buyer class, I started the process in XX/XX/2016. I literally talked to XXXX at least 2x a week! I was pre approved and then approved for the loan. I found a house that I had built from the ground up, I had moved my whole family which includes my XXXX son and my husband from living in a nice apartment uptown. She told me I did n't have to put any money down, so she then moved to movement mortgage which she never let me know I had to reach out to her again! Which she finally responded about a week later! She then ran everything again and told me I was approved for the same loan amount. This was around XX/XX/XXXX, now in XX/XX/XXXX there was a change in the way lenders processed student loans which I was aware of and she told me that I had nothing to worry about, I said okay and continued to do what she asked me to do. About 2 weeks before closing she tells me that I wo n't be able to close on the loan unless i get rid of my car or find a new job paying me more! 2 weeks!!!!! I moved my family! At this point I was livid, stressed and depressed! One of my friends who had tried to work with her left and found another loan officer who wa able to approve her at a much higher rate thing XXXX initially had! My friend told me to ask her about the an Fha case number so that the 1 % of my student loans would or be counted, so I asked XXXX and come to find out she never even put the case number on my file! So I lost my house and I was homeless for about a month because she never entered in a case number to keep me grandfathered in to avoid the 1 % being counted against me! All she could say was " I 'm sorry I thought I did ''. I contacted her manager he said that she has had several complaints prior to me ( manager from XXXX ). She also did the same thing to a co-worker! I called XXXX about a month later and her manger said that i was never even approved they have no paperwork on me! I literally signed over 100 documents and arill have them showing what I was approved for. This was by far the worst experience ever! I would never wish this on anyone! XXXX was not truthful at all and she seemed to be a scam artist! XXXX and movement mortgage did nothing to ensure the protection of their customer ( me ) or coach her on anything! Because as stated both parties said she has had several complaints and did nothing. I hope this gets to the right place to avoid anyone else need scammed by her. Oh i also worked with a woman at XXXX for the credit portion of the loan and she told me that XXXX had moved over 5x in a year to different lenders! The consultant was so upset because she knows that XXXX is good for this.

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 2016-06-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Lord and Taylor credit service is after all these years just now charging XXXX interest rates on its store credit card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am having an issue with Lexis Nexis they are reporting a Public Record from XXXX County. These were fraudulent taxes filed with my social security. They are relaying this information to XXXX and i have disputed the public record with XXXX and they continue to verify the information as accurate because of the information they are receiving from Lexis Nexis. I am attaching the police report that i filed showing this public record is fraudulent. I am requesting for lexis nexis to remove this fraudulent Public record from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have gone back and forth with both Transunion and XXXX credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I 'm unaware of this payday loan, I 've disputed this account and no action has been taken. I 've also requested original documentation with my signature on it validating this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Can not reach a human who will help. Automated numbers are disconnected or are circular redirections to intentionally frustrate. The recording instructs you to write to them by mail and disconnects you completely rather than redirecting to other options. Found a number and reached a human who told me I had to pay to receive my credit report ( 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 non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
i am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian alone with XXXX previously remove XXXX items from my wife and I credit report stating that proof could not be provided. then a couple of months later placed it back on our reports. The companies are using illegal tactics to add them back to the report. I asked the XXXX agencies to please remove them and they refuse to do so after removing them previously.

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 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My mortgage is with XXXX. In XXXX, I requested return of my escrow, as XXXX did not pay my real estate taxes. I notified XXXX that I would no longer make escrow payments, as I have paid the real estate taxes and insurance on my own. 

XXXX will not return my escrow and have transferred money paid for principle and interest to other things. The result is an escrow account with no activity and money held in suspense. 

I submitted to Experian copies of my cleared checks which match to my scenario but not to what XXXX has reported. They do not accept my documentation. 

In addition, the phone number provided by Experian for XXXX is incorrect. This is a scam. I can mail the information, but I am not capable of uploading the documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended 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 non-monetary relief