vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
The Debt Collection Agency Trident Asset Management, LLC is reporting an old account from XXXX using and incorrect date of delinquency. The account has been re-aged to appear newer than it actually is. Which will subsequently allow the account to remain on my credit for much longer than legally allowed. The account is reported as having an open date of XX/XX/ when in fact the account was actually opened and became delinquent in XXXX. In XXXX I was no longer living at the address associated with the XXXX account and had in fact not been living there for 2-3 years. I have contacted the credit bureau regarding this issue and instead of verifying the delinquency date with supporting documentation from the collection agency, they only verified if the debt belonged to me. I contacted the collection agency with a certified direct dispute of credit reporting. I listed the information being disputed as the date of delinquency of the account. I have requested documentation showing the date of first late 30 day payment. I am still awaiting a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
The car is engine is out. 
Due to negative equity and low value on the vehicle unable to trade the car in. 
Requesting to have some assistance with this issue. The car no longer runs and I am wanting to know how to have this resolved to be finished with this contract as quickly as possible. I am being harassed daily about payment on a vehicle that no longer runs and I've had towed several times which still has a balance due to the over financing of the car and them rolling over previous loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
PHH Mortgage Services has failed to apply my principle only payment of {$5000.00} made on XX/XX/XXXX. This money is being held in what they call a suspense account. The check was mailed to their address for principal payment and included a cover letter with specific instructions to apply to " principal only '' and the check also indicated this. 

This situation also occurred in XXXX with a {$4000.00} principal only payment. 

This company has demonstrated a pattern of deliberate misapplication of funds to have use of my money during the period taken to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I received a email from XXXX  on XX/XX/XXXX at XXXX stating that there was a new collection item added on my report. So I contacted the company and a guy answered the phone and he appeared to already have my name and date of birth the moment he received the call. I confirm my date of birth with him and then I proceeded to state the reason of my call. I wanted to know what and why this debt was added to my report. They guy states where the debt came from in which I have no knowledge of the company and the debt supposedly be from the year of XXXX, so of course I really dont know where this came from. I asked the guy if he can send me proof of the original bill from this supposedly company and thats when the chaos started. This guy begins to accuse me of not responding to the original bill from XX/XX/XXXX, he told me he cant send me a copy of the original statement and that he already told me where it came from. He also accuses me of ignoring the original statement and each time I spoke he began speaking over me. He was not allowing me to talk or respond so our conversation became really chaotic to the point that I got upset and began yelling. To end the chaos I hung up and I will not be contacting this company again. I am very upset at how this one employee handled my situation when it all couldve been so simple had he communicated in a professional manner. All I wanted was the original bill or statement that says that I am responsible for this bill Im which I will pay if Im responsible. I will not tolerate disrespectful behavior as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My loans with Navient have been late/past due for two months now, due to financial hardship. For the past three weeks I have received repetitive phone calls, no less than ten per day between two phone lines. I have spoken with representatives on NUMEROUS occasions and explained to them that it would be two weeks until I would be able to bring the account current. Hanging up with them, and hour later they call back. Over and over. I spoke with two representatives the week starting XX/XX/XXXX. Spoke to them again the following week, repeating the information I told them already. They repeatedly call, I have told them at least 5 times to stop calling and that they were harassing me, but this did nothing. Finally I go online and paid the past due amount to bring my account current on XX/XX/XXXX. I again, approximately an hour later received a phone call from Navient. I told the women I spoke with that I paid the past due amount. Not even 15 minutes after that phone call, the land line rings, and again it is Navient, I ignored the call. Two hours later I received another phone call, at which point I very angrily told the newest representative that it was paid and they were informed of it and are STILL calling. 
This has been extremely stressful, I have been very polite up until a point, I have been explaining my situation, and despite the unwillingness to work with me to get me some type of alternate payment option, the only thing NAVIENT seems to do is repeatedly call to harass. This needs to be reported and fixed immediately, so that others do not have to suffer needlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: MI

Complaint narrative:
back in XX/XX/2015, a car accident occurred where i had to be taken to the hospital by a friend ( not ambulance )! at the time this occurred i had and still have state medicaid. which should have covered the bill. and for some reason now they are denying the fact they can verify that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This company placed an illegal debt on my credit that was already paid I had several account with XXXX and I switched all 15 lines over to XXXX XXXX XXXX. Unfortunately, my assistant neglected to pay one of the XXXX accounts ... as soon as I found out I called XXXX right away and paid the debt. I was informed my the Supervisor XXXX that the account had been taken care of. 

Two weeks later I received a notification that a derogatory account appeared on my credit for XXXX I called the company and was advised that the XXXX account had gone to collections. I informed the representative that I paid XXXX XXXX in full ... he I plan on contacting the FTC and the AG office. If this account was in fact in collections .... I would not have been able to pay XXXX. They would have referred me to the collection agency to pay the debt. Also I am very concerned that they added on a fee of {$89.00} and they are bullying me to pay this amount when I satisfied the debt with XXXX. said the {$89.00} in what I owe to the collection agency!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Because XXXX has not removed a fraudulent account from my credit report, my attorney wrote to Barclays Bank Delaware, the owner of the fraudulent account, and instructed the company to close it and take all appropriate steps to remove it from my credit files. 

Although he mailed this request on XX/XX/2019 ( over 60 days ago ), neither he nor I have received any response from Barclays Bank Delaware and the fraudulent account remains on my XXXX  credit 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 2019-05-16 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: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C  SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. I C SYSTEMS COLLECTIONShas not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I looked at my credit report with my non profit financial counselor and saw an eviction that was settled in court back in 2016. I called Procollect on my own to try and get validation and understand what was happening. They refused to speak to me and told me I had to send all my personal information to fox@procollect.com. This sounded wrong to me so I called my financial counselor, XXXX XXXX with Family Service of XXXX XXXX. We scheduled and appointment and called the creditor together. She refused to speak on speaker phone or speak to my counselor even though she offered to let me give them permission to speak to her. She hung up on us. We researched XXXX XXXX and found the disposed case. I sent letters to the credit bureaus stating : Subcode XXXX Act Number XXXX Procollect is misreporting an apartment eviction. I have included the judgement from XXXX XXXX showing it was disposed and I had to pay court cost for {$110.00}. Procollect refused to speak to me or my non-profit financial counselor. They wanted me to email in all of my personal information to a fox@procollect.com.  The amount they are showing is {$4500.00}. 
I have reported them to the CFPB for professionalism and fraud. 
I attached all of the court documentation. How can a collector try to collect {$4500.00} when I only had to pay {$110.00}. These apartments have terrible reviews online and this is fraudulent behavior. This effects peoples lives and could make me not eligible for a job or to move into an apartment.

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 2019-05-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Riverwalk Financial Corporation
State: CO

Complaint narrative:
This company used abusive language on the phone with me. The collection accountant refused to provide employee identification, refused to allow me to speak with a supervisor, refused to provide his last name, and stated, stop playing the victim I am getting really sick of it, as well as I am not your counselor or your therapist and When I told him that he was verbally abusing and threatening me He laughed into the phone and stated he didnt care and that there was nothing I could do about it. This is the fifth person I have spoken to at XXXX who acts completely inappropriate refuses to transfer the call to a supervisor or provide information about the debt. When requesting information on the debt they say that I have to request it in writing which I have done twice and when I tell them that they say try again maybe the third times a charm. I have never been provided proof of the debt, I have never been provided signed Paperwork of the debt, etc. Lastly, we had a payment plan set up but due to the high amount we had to cancel it, now when requesting a payment plan they say that they dont offer payment plans, but then Mr. XXXX blackmailed us stating if we gave them 10 % or {$1100.00} we could get a payment plan going. The last person I spoke to you XXXX Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments in t Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments and tone and my mortgage loan officer was three way called in and was witness to the inappropriate behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
To Whom It may concern I do not believe that I owe this debt or what you say I owe. 
FABCO # XXXX Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have attached a PDF file including details surrounding my dispute. I have put many many many hours into disputing these charges. I have had not resolution, & I gave up. But, I'm asking you, the CFPB for help, because I was advised to by a person in my exact same situation, we both got ripped off by the same company, & we both had trouble getting out money back. They said they got refunded with CFPB help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account Name : XXXX XXXX Last four of account : ... XXXX For nearly a year Chase  Cards has been charging my account that has had tremendous effect on my credit report. They have continue to put excessive fees on my account which they claim is legitimately mine. However I have repeatedly told them this was paid off nearly 9 month ago. The remaining fees are all the excessive fees put in by Chase to an account that was paid off. I have attempted 2 other times to report Chase but every outcome has been conveniently in their favor. Attach are portions of the last 5 statements of the excessive fees to an account that has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Kitch Acceptance Corp.
State: NV

Complaint narrative:
Kitch Acceptance Corporation Continues to report missed payments on the loan to credit bureaus but will not accept payment, restructure the loan or admit to selling the contract to a third party. I literally continue to dispute their inaccuracies on my credit report because they are purposely attempting to ruin my credit ; therefore I would like to file a claim due to misconduct, false reporting, and any other violation that has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: CA

Complaint narrative:
Dating back 3 years when i stopped attending the University XXXX XXXX because trouble of funding to actually attend their classes. It wasn't until earlier this year I found out XXXX was found guilty by the department of educations of fraudulent loans. My question here today is I get emails about still making payments when i keep delaying because i am currently not enrolled in school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax casually added fraud alert to my account without my consent, as I have never requested it. 
I have contacted Equifax countless times to REMOVE the fraud alert, CS claim it was removed several times as well, yet on XX/XX/XXXX, I still received letter that they have ADDED the fraud alert. Even though I have asked to REMOVE it. 

XX/XX/XXXX Called Equifax, spoke with supervisor XXXX, badge XXXX, he claims he does not have a boss. He said he need to release the line and hung up on me. I am unable to call back, maybe they have blacklisted my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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:
Ive reached out to ERC several times in writing requesting validation for the debt, Each time they send me back some documents that does not explain or validate the debt. I called and spoke with a representative and they told me that this is from an account in 2007 with XXXX. I explained to them, Ive never had this provider and they did not have any suggestions to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation