vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northwood Asset Management Group
State: VA

Complaint narrative:
I was contacted in XX/XX/XXXX by someone claiming they were from Northwood Asset Management Group and they were calling me regarding a debt with XXXX XXXX. She claimed they had a VOE ready to verify my employement to begin garnishing my wages and they wanted to resolve it instead of letting it get to that point. I ended up setting up payments to be automatically deducted from my checking account. Those payments became too much and I decided I wanted to revoke my ACH authorization and send payments by mail, as well as reduce them. The man I spoke to on the phone was rude and unprofessional. He argued with me, asking me if I owed the debt, why wouldnt I want to take care of it and not allowing me to revoke ACH authorization. I began talking over him because he was becoming so nasty and he would ask me if he could speak or finish speaking. I kept repeating I wanted to mail payments and revoke ACH authorization. He eventually put me on with a supervisor, XXXX XXXX. He was much nicer but again, wouldnt revoke my ACH authorization. He said they didnt accept payments by mail, and also claimed they didnt have a website for me to check them out on. I asked for copies of my debt, as well as the VOE the lady claimed to have in XX/XX/XXXX and he said he didnt have any of that and they dont keep paper in the office, and they dont even have any paperwork because they bought the debt from someone else. He said he could send me a validation letter from them, but thats it. Nothing pertaining to the original debt. My ACH authorization was never revoked, but my payments were reduced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
They reported late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I am pretty sure I was not late. I keep disputing this with them and the credit reporting agencies and I also sent them a hardship letter because I did belive I was delinquent at one point but I am not. I want them to show proof of all the delinquencies. THEY ALDO GAVE THE ACCOUNT AS CLOSED WHEN IT'S NOT!!!! THEY'RE REPORTING INACCURATE INFORMATION. WHICH IS 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 2018-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. MY PERSONAL INFORMATION WAS COMPROMISED AND SOMEONE/S OPENED SEVERAL ACCOUNTS IN MY NAME AND AS A RESULT THEY WENT INTO DELINQUENCY. THE ACCOUNT THAT I HAVE BEEN TRYING TO REMOVE IS A RESULT OF THAT..

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 2018-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed

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 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX to inquire about the remaining balance owe they say i owe them in the amount of XXXX thats apprearing on my credit report. {$10000.00} is total amount of the car which i leased from XXXX XXXX in XXXX. I paid on the car 2 years before it was repod. I called XXXX XXXX and spoke with XXXX and XXXX about the balance and was told the car was resold for XXXX in XXXX which was suppose to be deducted from the balance that ive already contributed to. From XXXX to the present, XXXX XXXX has been reporting inaccurate info on on credit report mainly Equifax and also late payments. Surprisingly after the conversation with this organization they reported AGAIN involuntary repossession on my Equifax report which caused my score to drop 78 points out of spite. Also while looking over my credit report it seems as though they changed at date from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed for removal of a bankruptcy public record I have on my credit report. Last XXXX, Experian removed it from my file for about 30 days. So I disputed it again and it was removed but a few hours later it was removed. There is no way US Court responded so fast. Experian is punishing me on purpose. I called my attorney and was I should be able to get it removed. XXXX and XXXX have removed it last XXXX but have kept it off. Experian is giving me trouble for no reason. They had already removed it why place it back on. US Court claims they should be able to remove it but I told them they wont.

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 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The usda home loan reported in experian is showing as open when that account is closed, they also repirted the foreclosure started in XX/XX/XXXX when in reality is started in XX/XX/XXXX, these people are reporting a very high amount of balance including almost 50,000 in attorneys fees for which i shouldn't be responsible because i try to pay those prople for years but they rejected my payments just because they discriminated my soc sec household income for which they are under investigation, i meed you to investigate why these people is reporting wrin info iny ccredit, even though i can still buy a new home with a private lender and what they are doing is not taking that opportunity from me, i still want experian amd usda to report the truth in my report. Is not my fault that usda discriminate payments based on income type and have been sued before, but as you will see usda is the only debt in my report i have no problem paying anybody that dont discriminate XXXX income, usda is the only one violating my rights. I please ask you to investigate what they are reporting is a closed account as open and the trial was on XX/XX/XXXX, the forclosure started XX/XX/XXXX, they ate reporting it waz XX/XX/XXXX, Fortunately there are private investors that understand that banks and credit agencies do commit fraud and report wrong information just to hurt people ijust feel sorry, if you cant do nothing to help is good to know that by law it will be remove in two years anyways and regardless i can still buy a nrand new home, if usda dont want XXXX  incone payment others smart lenders will. I hope you can help these people should stop breaking the law just because they are full of hate too sad but is good to know that there are better lenders out there. hope you can help with this situation. Thank you.

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 2018-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert on my credit report of a collection from Midwest Recovery Systems and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be XXXX XXXX XXXX with the amount owed being {$610.00}. I immediately called Midwest Recovery Systems and in speaking with an associate, I was told that the account with XXXX XXXX XXXX was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, Midwest reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX  by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX  ) so that they could investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have an XXXX store card which is run by synchrony banking. I have had this card set up on auto pay and it has been set up this way for years. For whatever reason my XXXX payment was not deducted which resulted in a missed payment and late fee even though it is still set up on auto pay and has not been taken off. Sycrony banking called me five times over a four hour period along with several other calls early in the morning on other days even though I told them I would check the account and see if I could figure out why the payment didnt go through since they were no help on letting me know why themselves. I find their excessive amount of calls in such a short period of time extremely frustrating and do not appreciate the harassment considering my on time payment history with them since I acquired their card.

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 2018-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert on my credit report of a collection from XXXX XXXX XXXX and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be Check Into Cash with the amount owed being {$610.00}. I immediately called XXXX XXXX XXXX and in speaking with an associate, I was told that the account with Check Into Cash was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, XXXX reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX ) so that they could investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.

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 2018-07-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Thursday XX/XX/XXXXI reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.

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 2018-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the the ownership and legality of this HIPPA Act Violation debt purport that I owe The accounts have been in dispute for over 3yrs.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.

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 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX was found to be charging an annual charge on my credit card and I NEVER signed up for such a membership or autopay program with them. I already contacted them last year regarding the difficulty in handling the one {$20.00} charge I authorized and requested NO MORE charges. This charge recently XX/XX/XXXX on CASH card is improper.

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 2018-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: VA

Complaint narrative:
Last year, I consolidated my student loans into a single student loan with the help of Ameritech Financial. Due to prior XXXX treatment, I was having hardship making the payments as requested and was offered a method of making minimal payments until I got a job again, as well as the potential for loan forgiveness. 
Ameritech consolidated my loan and set up automated payments of {$100.00} through XXXX XXXX XXXX XXXX. These payments went out on the XXXX  or XXXX  of each month starting in XX/XX/2017, while the loan was consolidated under XXXX. 
Recently, I received a letter from the FTC stating that Ameritech was being sued by the FTC for their practices. Upon review of my XXXX account, I discovered that not a single payment was made to my debt since it's consolidation, excepting the payments I had set up individually in XX/XX/XXXX. So my debt had gone up by several thousand dollars. 
It was also discovered that Ameritech had changed the contact number on my Federal Student Aid account to an unknown number, thereby preventing me from receiving any calls regarding my accounts. This has since been fixed, and the password changed. 
As a result of these practices, I am no several thousand dollars more in debt and have likely taken a hit to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have never been given appointments or scheduled calls with XXXX. I have had a person named XXXX follow up and leave me a random VM along with a collection department. I have made payments and have never been given disclosure that the keepyourhome california program expired and stop taking applications until XX/XX/2018. Shortly therafter bof a waited until the expiration to file this. This is not good faith or the ability to assist or help show options. I was then referred to the bofa special dept because my loan is being serviced by a special dept. I would like communication or will be forced to hire a debt defense litigator

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 2018-07-14 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used my Gap card for a purchase of XXXX on XX/XX/2018. I never received a statement from them and I never signed up for paperless statements though it appears I was defaulted to paperless. Since I never received anything, I didn't have a breakdown of what I was paying in interest, fees, etc. I then found it on my credit report and immediately paid the charge. But now they want to charge a 100 % interest fee of XXXX. 100 %!!!?? That has to be illegal. 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 monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc.
State: AZ

Complaint narrative:
XXXX I took out some pay day loans when I was financially stressed. I believe that everything was paid during that time as they took funds out of my account. Now, my bills are paid, I have great credit and It is XXXX - this company keeps calling me, calling my distant family, threatening to sue me, attach my wages, attach my social security and telling me I have a bounced check. They leave messages on my voice mail with my social security number on it. They will not confirm who the creditor is or contact me in writing. I asked them to send me a demand letter in writing and I would research it but they just keep calling me threatening to sue me saying I will lose ALL OF MY RIGHTS if I go to court. The " process server '' calls me and says his name is XXXX XXXX but does not leave a phone number. The return number is a courthouse number and there is no XXXX XXXX listed as a court process server for XXXX County. These people are trying to collect on a debt that I believe was paid, but at best is past the statute of limitations, refuses to send a demand letter, and is threatening actions that they can not do - ALL OF WHICH IS AGAINST XXXX XXXX AND THE FAIR DEBT COLLECTION ACT. Please stop this company from continuing to do this. 
XXXX XXXX XXXX XXXX, XXXX case # XXXX XXXX XXXX ( alleged process server ) XXXXXXXX XXXX XXXX  and XXXX

Company response to consumer: Untimely response