vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. <P/>On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. <P/>As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
IQ Data International inc is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/2013 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and XXXX and they would not listen or try to resolve

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. They incorrect debt they are harassing me for and making my life a complete XXXX is for {$430.00} & {$190.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I purchased a new house on XXXX XXXX, 2016.
The minimum payment is {$1200.00}. This amount does not include escrow, which I cancelled three months ago for reasons I will explain below. Every time I make a payment I add an extra amount ( normally {$3000.00} ) toward the principal. The Ditech website has a specific space where I can type the extra amount ; it is called " Additional Payment ''. However, very month, Ditech redirects the additional payment toward future interest and escrow ( which, as I pointed out, I cancelled because of this ), and gives me permission to skip the next two monthly mortgage payments, and pay interest and escrow two months in advance. I have told Ditech to stop doing this, but the problem persists. All this is causing me a lot of confusion and prevents me for seeing a clear picture of the amortization table. I need two things done : 1. I request that Ditech stops redirecting additional payments toward future interest.
2. I do not want the escrow reinstated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair collections and out is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on X/XX/12 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: MO

Complaint narrative:
My car has never been late or in repossession status with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, sent me a letter after doing an investigation on my automobile account. I was told by Experian Credit Reporting Agency, to  send in the letter to have the account updated. So I overnighted the letter to Experian Credit Reporting Agency to have the information corrected. At that time Experian and I got on the phone with XXXXXXXX XXXX XXXX XXXX to verify the letter. XXXX XXXX XXXX XXXX verified the letter that it was valid. But, Experian to date has not removed the inaccurate information from my report. Please help me, I am trying to close on my home, but ca n't because Experian has not removed the inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ballybunion Enterprises, Inc
State: FL

Complaint narrative:
Military Credit Services sued me in a XXXX XXXX XXXX Court XXXX 2012 they sued me illegally in the state because I never lived there or have I ever incurred a debt in the state of Virginia I also received settlement pay from being sued illegally by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I closed the XXXX XXXX credit card account.

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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
between XX/XX/XXXX and XX/XX/XXXX transunion removed positive information from my credit report with out my consent ... .its good positive credit that i built ..i paid it it the account showed as a positive on my credit..the creditor is XXXX XXXX XXXX ... when they removed that from my credit report without my permission i lost 25 point from my credit score ... i dont understand why transunion would do that they do not have the right to remove accounts from my report without consulting me first ... .i am very upset about this ... it took me a long time to get my credit where it is right now ... .my resolution is that transunion needs to add my positive credit that i built back onto my credit report ... .my email address is ... .XXXX ... .cell # 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 2017-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/XXXX and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and and XXXX they would not listen or try to resolve. I do not or have I ever had a written signed agreement with this company, this company does not have an active license to collect debts in the state of Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: NJ

Complaint narrative:
I closed the XXXX XXXX credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I closed the XXXX XXXX credit card account.

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 2017-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Repeated calls from various numbers, early and late calls and even on Sundays, calling multiple times in a row, tried to call back the number a few times got no answer, often call with just " Unavailable '' on the ID so we ca n't tell who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy in the state of Ohio. I was able to keep my car and my home because I had made all of my payments on time. Also, since I had made all of my payments on time my mortgage and my leased car were not included in my payments to the Chapter XXXX Trustee. I was able to keep making those payments on my own. <P/>After filing bankruptcy Pacific Union Financial made my account for my mortgage inaccessible. They made it so I could not use my " Bill Pay '' service through XXXX XXXX which was the method I used to pay my mortgage. They stopped all mail correspondence about my loan. They even made it so I could not access my account on the website. I ca n't even login to see any of my documents associated with my loan. Not even tax documents. They do not even provide receipts for payments made. I ca n't even call customer service to get information about my loan or to make a payment. The only way I can make a payment is to mail it in. Then once I mail a payment it takes weeks for it to come out of my checking account. There is literally no way for me to access ANY information about my mortgage. <P/>I spoke to someone with the Consumer Financial Protction Bureau in XX/XX/XXXX. The woman instructed me to send Pacific Union Financial a certified letter stating my concerns and asking for them to help me. She told me they must respond to my letter within 30 days and if not I needed to file a complaint with CFPB. It is now XX/XX/XXXX and I still have not received any response from Pacific Union Financial. That is where I am right now. <P/>Since sending a certified letter I have contacted them multiple times. They have not helped me at all. I even contacted them in regards to my tax documents needed to file a tax return and was informed by a customer service representative that they wait until the last day in XX/XX/XXXX to send any current bankruptcy clients their documents. Why would they do that? <P/>Unfortunately, due to my account being inaccessible and the amount of time it takes for my payments to come out of my checking account I believe I have fallen behind on my payments. I am at the point that I do n't even know which payments have been made and no one will help me get back on track. I am worse off now than I was before I filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: TX

Complaint narrative:
I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, XXXX and Equifax has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, Equifax and XXXX. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, Equifax XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX Act under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XXXX XXXX and XXXX , Texas Federal Judge Discharged on XXXX XXXX and as I view my credit report XXXX, XXXX and Equifax was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  Pre.owned Auto.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Security National Automotive Acceptance
State: FL

Complaint narrative:
snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact 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 2017-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Action Collection Agencies, Inc.
State: CA

Complaint narrative:
This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!

Company response to consumer: Closed with explanation