vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX XXXX, I paid an Attorney ( Florida Law Attorney ) a settlement payment owed on a debt. I paid the agreed upon settlement direct to the Attorney. it is now XXXX, and Midland Credit has placed a judgement against me for the debt. 
The Attorney at the time, XXXX XXXX XXXX has been since, disbarred by supreme court justice in state of Florida. 

I did not keep any records beyond 7 years as I was advised legally, that is statute, similar to IRS filings. 

Midland funding has a judgement on me for this debt that was originally settled in XXXX. 
they came out of the woodwork in XXXX on this matter. I will not double pay a settled debt. they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MIDCOUNTRY FINANCIAL CORP
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX, have tried to contact Pioneer Services but they have closed for business as per their website ( https : //www.pioneermilitaryloans.com/ ) and the have sold my loan to XXXX XXXX  XXXX XXXX XXXX XXXX . I have tried to contact the new company and inform them about the XXXX and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Since XX/XX/2019, Equifax has now spent nearly 90 days on my file and as of today 's date XX/XX/2019, they have not composed a simple personal statement unto my credit file as I have stipulated in plain, simple English. 

Equifax has acknowledged me as being a victim of identity theft but refuses to honor my XXXX insurance company claim regarding the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter in the mail from NCC Business Services for a debt that is not mine for XXXX Apartments. I currently still reside in XXXX apartments and have never been made aware of any debts owed. Upon further research, I also found that NCC Business Services has no license to collect debts in Florida, and no business registration. XXXX apartments relinquished ownership of the debt when they " sold '' to to XXXXCC Business Services. According to Federal law, as soon as an account is sold and transferred, the original creditor can not collect on the debt as their rights to the debt has no validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
A payoff was submitted to my credit card company on XX/XX/XXXX through an escrow account and the credit card company cashed the check on XX/XX/XXXX but didn't apply it to my account. 
I called an opened a case with them on XX/XX/XXXX # XXXX and they advised me that the payment was not applied to my account but to a general clearing account. They are trying to track it down and as of today, they can not find it to apply to my account. The payment was for {$14000.00}. 
I was advised that my next payment is due in 2 weeks and they hope to find it by then.

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
credit card is fortiva XXXX i went online made what the computer said as my min payment of XXXX on XX/XX/XXXX. than i went back online later to check and they charge me a late payment. i cld told the woamn i paid what computer said was min due woman said doesnt matter im not removing the late payment fee i than demanded her to cancel the card and now i look and they have also added a over credit limit fee. i want both of these fees removed. i did pay what the system said was min payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor Common wealth financial XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX ** XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Contacted company when I lost my Job XX/XX/2019. We had just got the house in XX/XX/2019. 
I told them I lost my job, wife needs 2 XXXX XXXX, I need to help her and take the 6 month deferment they offer on their Loss Mitigation. 

They seemed to say they cared and wou ; ld be there if we everr needed them. 

one letter back saying needed more pay stubs ( 2 years ). 
I gave them all the stubs I had back 1 year. Can not access pay stubs anymore. 
I offered to send W2 which I thought they had already. 

I feel they are just stalling and letting me make payments. 
I am paying them out of my saving sof {$7.00}, k. but that is for my wife 's XXXX, which I also told them. 
I feel railroaded into even buying this house. 
We had a 60 day notice and a XXXX XXXX. Could not find a rental so we bought this house. {$2000.00} payments are killing me! 

XXXX XXXX XXXX XXXX XXXX is my user name on XXXX 's site. 

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 2019-09-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on 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 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I noticed a negative collection account on my credit report on about XX/XX/2018 .the debt  collection company name is Grant & Webber . The amount they claim i owe is $ XXXXI do not recognize this amount, company or services this company claims i owe. After unsuccessful attempts to contact this company via telephone, i wrote them a letter and sent it via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The letter informed this company that i have no knowledge of this debt and that i am certain they are making a mistake. I further asked for any proof, validation, agreement or contract verifying i asked for or purchased whatever they claim i relieved that has me owing {$13000.00}. They responded with a copy of an invoice for some type of medical procedure by a Doctor i have never heard of or received any treatment from.The typed invoice was made to a name similar to mine however not my exact name. At no time did they provide a contract or request for service agreement with my name or signature on it. I responded in writing demanding they either give me proof, verification and validation that this debt is mine other than a basic generated invoice they created. I never received a response. I disputed this issue with XXXX  credit and was simply told that this company certified that i owed the money however that XXXX did not require them to submit any proof that it is my debt.This company has been negatively affecting my credit profile and refuses to respond to my request.

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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, a XXXX XXXX purchased a XXXX XXXX  for {$350.00} from me using XXXX, which was linked to my Chase account. I withdrew the funds to my Chase Checking account on the same day. 

On XX/XX/2019, I was notified by XXXX that XXXX 's bank had issued a chargeback and Chase took the amount directly from my checking account. 

I opened a dispute with Chase on XX/XX/2019 and explained my situation. 

On XX/XX/2019, I received paper mail from Chase notifying me that they had denied my appeal and are taking my {$350.00} to return to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had a cash app account for several months now, and for an unknown reason theyve closed my account and the only response Ive gotten from them is an email stating i violated their terms of service. I didnt, i had to update my card and bank account on file and thats it. I submitted new photos of the documents as requested and then next day my account is closed and I have no idea why or how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a letter in the mail about Commonwealth trying to collect a debt in the amount of {$920.00} back in XX/XX/XXXX. After I received the letter I responded in telling the agency that I didnt recall using medical services and if they could verify then I would pay the alleged debt. ( Some kind of contracts, signatures ) Commonwealth responded back XX/XX/XXXX with itemized statement, which I didnt think was appropriate. I then contacted the credit bureaus ( XXXX, XXXX, XXXX  to notify of dispute. In XX/XX/XXXX I received a letter from XXXX  stating the debt was updated. I then responded with a letter to determine method of verification from XXXX  & also Commonwealth. XX/XX/XXXX XXXX sent me a letter and Commonwealth had been deleted from my credit report. Commonwealth is now as of XX/XX/XXXX trying to collect on this debt and has not verified this debt with me or the bureaus. I am also suppose to be notified of information that was once deleted off of my credit file. Commonwealth has also changed information with collection I will also send documentation to support my claim. In my new credit report they are not reporting the same nor correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IN

Complaint narrative:
I am in the beginning of a mortgage re-fi. I mailed a dispute letter to clear up several inaccurate items on my credit XX/XX/2019. 

Then this mysterious collection appears on my credit? I was never, ever notified by mail about this medical issue from State Collection Service. I mailed both dispute letters to all CRAs and a direct debt validation letter to State Collection on XX/XX/2019. 

The debt was validated on XXXX, deleted off XXXX, I do not believe it was ever reported on XXXX. Yet, the direct furnisher letter was never answered? 

I believe from my credit reading that validating a CRA dispute is a violation until the direct furnisher letter has been verified and a response has been mailed to the person disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for citi costco visa credit card. Since i have alert placed on my credit, every time i apply for new account bank rep will verify my id talking to me on phone and verifying my personal info after which i am approved. Since i have excellent credit score i was never declined before this time. so they told me i will receive a letter in mail explaining their decision. My letter i got from citi bank says can't approve application because we could not verify the accuracy of the information. They also didn't ask me to provide any additional info. I believe this is simply unjustified because they spoke to me and verified my id. Also i have open another account with XXXX XXXX about 1 week ago and everything went fine. 
I have called citi bank 3 times about this issue and they flatly refusing to give me any reason why i am declined. Also citi bank employees should know alert placed on anybody 's credit is not justification for denied credit. Thanks for 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 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
This bank is horibke with me I want them to offer me a contactless debit card and credit card its not fair why cant this technology be released

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I sent {$400.00} from new York on XXXX XX/XX/2019 to my first bank account in XXXX through money gram since the company claim that the can send money to your account directly. Unfortunately for me the money was not delivered to my account till now. This money was meant to pay for a deposit in the hospital so that the doctor can attend to my uncle who was sick over there. I have called moneygram several time to resolve the mater and I keep on getting the same response. The always tell me to call back in two to four business day that the bank in XXXX has not gotten back to them. I keep on getting the answer any time i called and I decided to call the first bank head office in XXXX. Only for them to tell me that no one contacted them. The suggest to me to ask money gram which email or number the contacted but money gram refuse to disclose that to me. I am frustrated and I think money gram shouldn't operate in XXXX if so much complain continues. 
Please I want CFPB to help me recover my money because is not yet deposited in my account and mony gram still have the money in their possession.. 
Thank you for anticipated cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan transferred to ShellPoint Mortgage XX/XX/XXXX. In XXXX of XXXX I requested them to tell me the PMI auto termination date both verbally and in writing. Over two months have gone by and after eight phone calls, they continue to refuse to provide this date. They say I was 30 days late in XX/XX/XXXX and say they can't remove the PMI and avoid telling me the auto term date. I told them several times that per the Homeowners Protection Act of 1999 they must provide me the PMI disclosure form furnishing the date but they act like no such thing exists. My loan originated in XX/XX/XXXX and either the auto term date has already passed or is coming up soon. I purchased my home for {$380000.00} and did a down payment of {$38000.00}. My loan is for {$340000.00} and the current principal balance is {$280000.00}. It is also my understanding the PMI should be cancelled the following month my loan was brought current based on auto termination guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX  but they have closed for business as per their website ( XXXX XXXX XXXX  ) and the have sold my loan to Systems & Services Technologies , Inc . I have tried to contact the new company and inform them about the SCRA and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me. I can NOT get in contact with Systems & Services Technologies , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: CA

Complaint narrative:
BBT will not allow me to close two of my checking accounts without mailing in a notarized and typed letter. BBT states that they can not close the account when there is an existing balance. There's {$2.00} in one account. I've told them to either mail the amount to me in a check or allow me to pay the money to the bank ( whatever it takes to close the account ). This will be the third month I will be charged {$15.00} for not meeting the minimum requirements for the accounts, but I do not use the accounts anymore because BBT does not have a branch in the state we have moved to. This has been an unnecessary and prolonged headache that should've been resolved months ago. It should not be this difficult to close my own account. I understand wanting a paper trail of accounts that are closed, but you don't need to make the customer type out a letter, find a notary, and mail the notarized letter when it's XX/XX/2019. I can verify my identity and BBT can make their own note of my closed account without inconveniencing me just to make {$15.00} a month on an account I can't close.

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 2019-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was involved in both the XXXX & Capital One breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/19 called my workplace 3 times, threatened to come to my workplace and impersonated being law enforcement.

XX/XX/19 XXXX of my daughters were contacted and company threatened to come to their workplace. When my daughter contacted and requested the debt be validated they refused. When a mailing address was requested none was given.

XX/XX/19 contacted by another harasser threatening to send law enforcement to my workplace. refused to quit contacting me.

XX/XX/2019 My daughter 's employer was contacted and harasser left a voicemail with personal information. The harassers stated my daughter was my next of kin, which she is not, stated my daughter and I are not taking their phone calls, which is true because the debt is not validated. They threatened to have a process server come to her place of employment even though she lives in a different area and they have my home address. 

We have requested several times they stop calling. They appear to be scammers who practice illegal means in attempt to extort money from the elderly.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) Portfolio Recovery Associate XXXX / Formally known as XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation