vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time. 
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me. 
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person. 
I'm feeling harassed.

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 2018-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: First Data Corporation
State: TX

Complaint narrative:
They called me about a year, year and a half ago and said I need to make a payment. I thought it was a different company and gave him my information when I realized the information was not matching my loan and had the card company give it back. They said I better not do that. Then I asked for dates and names they always gave me different dates and different middle name. Then they refuse to give me any information. I started getting calls saying I was going to jail and they were putting a lien on my driver 's license. Now they are saying they are going to have court papers delivered to me. I check with district court there is nothing like this under my name. Then today they call my family member and left a message that they will deliver these " papers '' to me at my home or work tomorrow. They called from an unknown number. My family member forwards the message to me. I have save 2 or 3 of the recordings they sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IL

Complaint narrative:
The total amount is XXXX that was my taxes that netspend loaded onto a card that I reported stolen they allowed the card to be used and all money was drained. I reported to them last year that my identity was stolen, and they refused to do nothing about it. I have proven that this was not me by way of filing an FTC report a police report and by other means. I was told I would have a credit now they suspended all services to the card, and will not give the money they owe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
THIS APARTMENT WAS MY GRANDFATHER AND HE HAD A REVERSE MORTGAGE ON THE PROPERTY. WE CONTACTED XXXX XXXX WHEN HE DIED ( XX/XX/XXXX ), TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. XXXX XXXX SOLD THE LOAN # XXXX TO XXXX AND WE HAD TO START ALL OVER. WE CONTACTED XXXX, TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. WE HAD BEEN KEEPING AN OPEN LINE OF COMMUCATION WITH XXXX. THEY SAID WE NEEDED TO CONTINUE TO CALL THEM AND TELL THEM WE NEEDED AN EXTENTION. WE DID THAT. IN XX/XX/XXXX THEY FILED DOCUMENTS TO SALE THE HOUSE, EVEN THOUGH THEY KNEW WE WERE TRYING TO GET A LOAN ON THE PROPERTY. XX/XX/XXXX WE CONTACTED XXXX AND XXXX ABOUT THE AUCTION DATE AND THAT WE WANT TO BUY THE PROPERTY. THEY THEN TOLD ME WE NEED TO PUT IT IN WRITING. XXXX WROTE US A LETTER STATING THEY NEED OUR INTENT IN WRITING. THEY HAD NEVER SAID THAT AND WE TALKED AT LEAST WEEKLY. I HAVE PHONE RECORDS TO PROVE IT. XX/XX/XXXX AN APPRAISAL WAS COMPLETED. XX/XX/XXXX THE LETTER OF INTENT, APPRAISAL AND THE OTHER INFORMATION THEY REQUESTED. XX/XX/XXXX WE ALSO SENT AN APPROVEL LETTER FROM XXXX XXXX XXXX XXXX XXXX THE BALANCEOF THE LOAN WAS XXXX OR CLOSE TO THAT PRICE. OUR BANKS APPRAISAL CAME BACK WORTH XXXX. XXXX ORDERED AN APPRAISAL ON THE HOUSE XX/XX/XXXX AND IT TOOK THEM UNTI XX/XX/XXXX TO GET BACK WITH THE APPRAISAL AMOUNT. IT CAME BACK XXXX THERE IS NO WAY THAT THE APPRAISAL AMOUNTS SHOULD BE THAT DIFFERENT. I EMAIL AND CALLED XXXX XXXX SERVERAL TIMES AND ASKED HER FOR THE APPRAISAL I received the appraisal. today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly. 
XX/XX/XXXX XXXX EMAIL ME BACK AND SAID, Attached is a copy of the appraisal. Please be advised that we will not be accepting any customers appraisal. We will continue to use our appraisal, Do you still want to continue with the short sale? I DONT UNDERSTAND WHY SHE SAID SHORT SALE WE ARE TRYING TO GET THE LOAN. 
THE HOUSE IS SUPPOSE TO BE AUCTIONED ON XX/XX/XXXX OR XX/XX/XXXX THAT DOS NOT GIVE US ENOUGH TIME!!!!!! 
I received the appraisal today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a fraud victim of XXXX credit card. XX/XX/XXXX I reported to XXXX amount {$8100.00} was stolen in my account. 60 days for investigate by XXXX policy. But I did not receive anything on XX/XX/XXXX until XX/XX/XXXX from XXXX. I received a letter on XX/XX/XXXX, they wrote that you are responsible to pay this amount and some fee charge. When I called them to resolve my fraud case, they gave to me : XXXX. ( it's cash services ) It's not XXXX services and another number in their letter was scam when I checked XXXX XXXX ( XXXX ) Why XXXX did not find the bad person who used my credit card? 
Why XXXX enforce me to pay this amount and some fee charge that I never use it? 
It's not my fault. Unfair for me.

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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I emailed the escalations department of RPM collection agency to inform them I have called and spoke to a representative regarding the account in question that this is not my debt, I have never heard of the company and they don't even have my named spelled correctly. I asked them to send me a validation of this debt, a signed contract etc .... I was emailed back and told they would send me validation of the debt. I received a letter from them on XX/XX/XXXX stating enclosed was the validation of the debt. The only thing enclosed was a current bill, this does not validate the debt. The bill is fraudulent. They have reported this to the credit bureaus and it is now on my credit report as an unpaid debt. I would like someone to assist me with getting this fraudulent account out of my name and off of my credit report.The amount of the bill is {$320.00} and the original creditor is 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 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Davis & Amaral Mortgage Consultants, Inc.
State: CA

Complaint narrative:
today I received and email solicitation for mortgage from Davis and Amaral that included rate offerings and NO APR. Loan Originator # XXXX  Davis and Amaral # XXXX also the flyer did not include any information around Equal Housing disclosures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: CO

Complaint narrative:
I was seen at the hospital for a vehicle accident that was causing XXXX-pain issues and XXXX/XXXX XXXX. Doctor never gave me a XXXX-check, or even examined me, just offered me pain pills and discharged me. Still have pain to this day because of the accident but could never afford a lawyer to fight it in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
Huntington Bank in XXXX, WV is taking me to court over a checking account that was closed 7 years ago, they are saying the account was closed due to being overdrawn and they were assessing daily interest they are requesting a judgement of over {$1200.00}. I have received no calls, no bills, nothing in 7 years. I am working on student loans and with a consumer credit counseling agency currently as well as have had loans within this 7 year time and have a checking account I have never been told I owe this bank money until Im taken to court. I have not been contacted by the bank or heard anything of this until a process server contacted myself and also my father and scared both he and I. I have not received a call, a letter, nothing! is there not a statue of limitations? This was not a credit card but a checking account? Why havent i received a statement? Or a notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Ok XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX va XXXX they keep calling me about a item or debt that I have no knowledge and Im unaware of the so call debt they are talking about ... I asked them to verify it and send me the original contact to me with my signature and my ss number and my address they wont do it I ask for this in writing they wont provide me with this information. They refused to send it to me.. but they keep calling me and harassing me and I cant take it nomore ... I asked them to take me off there calling list but they wont stop PLEASE HELP Me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
MERCANTILE ADJUSTMENT BUREAU # XXXX lack of information sufficient to form a belief as to the truthfulness of doctrine of laches, waiver, allegations within account. MERCANTILE ADJUSTMENT BUREAU claim is barred by estoppel, accord and satisfaction, payment, release, modification, statute of frauds, and/or unclean hands.The Agreement is void for want of offer, acceptance and/or consideration. I XXXX XXXX never entered in to any contractual agreements.MERCANTILE ADJUSTMENT BUREAU has failed to exhaust the administrative and/or contractual remedies .MERCANTILE ADJUSTMENT BUREAU is not entitled to recover the damages it seeks.MERCANTILE ADJUSTMENT BUREAU claimed losses are the direct and proximate result of its own negligence, intentional conduct, acts and/or omissions or the conduct, act and/or omissions of third parties for whom I XXXX XXXX am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I attempted MANY times to lower my monthly payments for my Navient loans with no help from Navient. They have given me no options to help me be able to even touch paying off my student loans. I spoke to someone at Federal Student Aid who recommended I apply for the IDR PAYE program for my XXXX and XXXX loans, which would help me begin to start paying off my loans one at a time. I recently enrolled all of my student loans into the Income-Driven Repayment plan through the PAYE (  Pay As You Earn ) program. However, the first month enrolled worked properly for my Navient loans, but now they have been cancelled!!! I'm trying to pay off my loans, but no help is being given on Navient 's end. Whereas, my loans with XXXX and XXXX have been very helpful in honoring my IDR / PAYE plans I recently enrolled in with absolutely no issues. Navient has completely neglected this Federal program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute for transactions that were not authorized by me to Netspend. All the transaction 's were done online and Netspend is refusing to do anything about it. I spoke with them on numerous occasions and every time I spoke to them they would not do anything to help. I spoke with them on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On the day of XX/XX/XXXX the 30th day of the dispute, I called to ask when the provisional credit would be applied to my card because they told me a provisional credit would be applied after 10 business days. The man told me that at XXXX. the system would update and that my credit would be on my card. He said he saw the credit and it was waiting for the system to update. By XXXX XXXX that night still no credit and I called them and they said my disputes were denied and that there was no error and they considered the matter closed. {$420.00} was taken from my account and they are refusing to do anything about it. I don't know what else to do. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I would like to obtain the assignment documents of my loan from the initial loan servicer to the servicer that it was subsequently sold to. I requested the documents from XXXX XXXX but they were unable to find them as ofXX/XX/2018. I have been paying on time for this loan for over 10 years and am only 25 % paid off-I am not sure this has been a legitimate process so I would like to see the paper trail.

Company response to consumer: Closed with explanation