vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My consumer credit report has a collection trade-line from Midland Funding in the amount of {$1000.00} and the original creditor listed as XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX of 2015, Wells Fargo illegally repossessed my vehicle. I found myself to be part of their class action CPI lawsuit. In the letter I received, it confirms that I am NO longer liable for this debt because of their unfair insurance that was added to the loan. I have disputed this multiple times with XXXX, XXXX and XXXX. XXXX HAS removed it. The other two have not. I want this illegal loan/repossession OFF MY CREDIT REPORT, and I will NEVER ever ever ever ever ... deal with Wells Fargo again!

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 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Aargon Agency inc has an inconsistent credit file on my credit profile for XXXX, while the other bureaus don't report any collections. The creditor is attempting to force me to pay incorrect and false debt to Creditor. After only opening up my credit file again, I noticed that this has been opened since XX/XX/2018.

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 2019-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NCA is reporting an un-verified account on my credit reports. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. This alleged account is 6 years old past the statue of limitations for my state of GA. NCA deleted the account between XX/XX/2019 and XX/XX/2019 Then re-inserted the account on XX/XX/2019 without me receiving any knowledge of it. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Working with Navient is a real problem and back in XX/XX/XXXX there were communication issues of how much were the payments and how to afford them. Many discussions were had and yet they still reported me late multiple times which is now affecting me from getting a house at the age of XXXX. I always make my payments on time when I know the amounts and since XX/XX/XXXX I have never missed. The part that confuses me is when my account info says the original principal balance is {$4700.00} yet the unpaid principal is {$6400.00}. My loan is suppose to be at 11.75 % interest yet the amount of interest applied after each payment keeps going up. I am paying XXXX monthly and my account says I should be paying {$78.00} until XX/XX/XXXX. If i keep paying this amount till XX/XX/XXXX i will have paid like XXXX. I have paid so much in interest it should already be paid. Navient csr said i agreed to a 20 year payoff but why would i do that when the original amount was near XXXX. I am a XXXX XXXX XXXX and my district said that Navient will take advantage of you so try to refinance it to get away from them. I think I am believing them. Those late payments should be wiped out after being current for so long. Please make them go away!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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:
XXXX XXXX  ACCT # XXXX CHARGE OFF BALANCE This was a secured credit card. The account has been CHARGED off but a balance remains reported on my credit report. I have requested several times for an investigation into the continued reporting violation and haven't gotten any results. They continue to VERIFY as accurate. This has been done without any changes being made, not even an update to this balance.The credit bureaus continue to allow this although it is a clear violation to continue reporting inaccuracies. This account should be DELETED.

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 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
My card was sent to the wrong address in the mail so I never received it. I sent a number of emails letting them know I hadn't received the card and I was unable to make the payments or set up my account online without having the physical card and never got a response. I've tried to reach out to the company responsible for the store card but got no responses over the past 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Chase, thank you for your response that was provided in Ref : XXXX. 
Here is more detained information provided about the loan issued by Chase as a lender : The loan has been provided to meet the home insurance requirement needed for the lender ( Chase ). The Chase Group that utilized the loan information is below : Chase Home Finance LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX This has been recorded in Mers as well, prior to 2010. 

If you still can not locate the loan in next couple of weeks, please let me know. I will be filing a civil claim against Chase, where I would subpoena Mers to get the more detailed information on the loan, to make sure you would be able to locate the account in the Court. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Amex closed my account and they're not willing to work towards a resolution with me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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 have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I applied for a forbearance because I lost my job once I found a job I wanted to start making payments on my loan. When I called XX/XX/2019 to make a payment I was informed they could not accept payment while I was in forbearance for 6 months and to file a modification In XXXX. In XXXX when I tried to file for a modification they basically told me I wasnt qualified and that I need to pay them upfront {$16000.00} or more they would foreclose on my house after I tried to make payments before and they would except it in XXXX they excepted a payment in XXXX and I thought for modification so Im being told two different stories now in XXXX they wouldnt except my payment and now theyre saying in XXXX that theyre going to send me a demand letter I need help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have one second mortgage with Navy Fed CU, the XXXX credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have one second mortgage with XXXX XXXX  XXXX, the Experian credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.

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 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
At the end of XXXX this year, I went to the hospital and paid expenses up front for my visit. Later received notices for a physician bill I was unaware of until it was being handled by XXXX. The bill was for {$92.00} and it took a couple months for XXXX to verify the debt with me, so then I paid directly to them. I was also receiving calls from HRRG stating that I owed the {$92.00} physicians bill that I already paid, and I had never even received physical notice from HRRG that they were tying to reach out. I asked them why I havent received anything and they told me they mailed out a notice in XX/XX/XXXX and XX/XX/XXXX, then I asked them what my address on file was and she then told me they dont have one. Well I asked how they are supposed to notify people of a debt before its in collections if they dont send out letters, and she followed up with will you be taking care of this with debit or credit I explained that I already paid and she told me okay and disconnected. A few weeks later I received a call again to collect the debt so I called back and provided the exact date Id paid the bill to XXXX : XX/XX/19, and they told me theyd reach out to XXXX to confirm and if it was paid theyd stop their attempts to collect. Theyve called three times this week. They have no reason to call me and they continue to do so after Ive provided everything theyve asked for to verify that Ive paid the bill.

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 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This bank is horibke Im a loyal Credit card holder but at the time I applied I did not qualify and was told a secured card would be a good option Ive opened it and keep it in good standing pay on time and its over a year and they wont graduate my account and refund me My deposit they lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC.
State: TX

Complaint narrative:
Dear Summit Funding, according to title company record and XXXX, you as a mortgage lender issued a conventional mortgage loan for an amount of {$370000.00} to Mr. XXXX XXXX and Ms XXXX XXXX which was recorded on the XX/XX/2018.  The loan was issued by Mr. and Mrs. XXXX to purchase the property addressed at : XXXX XXXX XXXX, XXXX, TX XXXX, for which I and my spouse are the legal owner. 
The seller of the property was MsXXXX XXXX XXXX. 
The mortgage loan was serviced by XXXX XXXX XXXX and is recorded by them in XXXX. 
Can you please as a lender, explain me the reason of issuing fraudulent mortgage loan to straw borrowers where our property has been used as collateral? 
This is a very interesting area that I am researching these days. Is this only for flipping? Or is there any other mortgage fraud scheme that I am missing. 
Your feedback will be highly appreciated. 
Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
ONEMAIN FINANCIAL included this debt in the bankruptcy of another consumer and my responsibility for this debt was terminated, yet ONEMAIN FINANCIAL is reporting the debt on my credit report. Per court documents filed by their Banckruptcy Specialist, the debt belongs to one consumer named on the filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I thought I had enrolled in automatic payments on my card and they said that I had a late payment and didn't reach out to my to let me know. Once I finally realized, I made the payment right away but it was an error on their system.

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 2019-09-15 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: Credit Plus Inc
State: TX

Complaint narrative:
I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
THERE SHOULD NOT BE ANY DEBIT. XXXX XXXX 'S HOSPITAL VERIFIED MY COVERAGE BEFORE i ENTERED THE HOSPITAL ... KEPT VERYFYING IT ON A WEEKLY BASIS TILL I WAS ADMITTED .... THEN THEY CANCELLED THE ORIGINAL DATE ... THEY MOVED IT TO A DATE WHERE MY OLD INSURANCE WITH XXXX XXXX. I TALKED TO ADMITTANCE TOLD THEM MY DATE WAS BEFOR AND THEY KEPT CHANGING IT. SHE SAID EVERYTHING WILL BE FINE. LEGAL ACTION IS BEING PREPARED TO BE FILED AGAINST THE HOSPITAL THEIR BILLING DEPARTMENT AND THE 3RD PARTY COLLECTION AGENCY. UNDER THE FDCPA THEY Are to notify me in writing to this date no one has. they did call other family members threatened to sue me etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I, have tried numerous times to contact the collection agency as well as e-mailing them and I have got no where. I have not received any recent mailings with the proof of the so called debt. I have tried to have there negative entry removed, I have consulted with the credit bureaus as well as an attorney. I will continue to fight and keep this entry under dispute. I will also be sending this company a demand letter. This is a debt I'm NOT responsible for and I refuse to share a cent with them. The amount of this illigitmate debt is around {$330.00}, I dont even recall what for either. This collection agency has terrible reviews all over the net. I have also placed a bad mark against them with the XXXX as well as alot of other public forums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 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:
In my Experian app .... Regards to XXXX XXXX acct. on XX/XX/19 I made payment {$400.00} with XXXX XXXX XXXX. Payment confirmation # XXXX. 
XXXX acct # / XXXX / XXXX still hasnt updated even after I filed Dispute on XX/XX/19. DISPUTE # XXXX. Account was closed and not shows my payment. 
Contact # for this is XXXX Experian shows this XXXX XXXX account. # XXXX as closed/ charge off and no payment. The address under contact information is. XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX shows same status derogatory/closedown : charge off Contact info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In XXXX XXXX App In XXXX REPORT for This XXXX account is still showy DEROGATORY/ CHARGE OFF/ NO PAYMENT. Contact information with this is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX with XXXX XXXX shows this XXXX  XXXX card also as charge off / PAYMENT STATUS shows no pay made Contact information with this is XXXX In XXXX XXXX APP this XXXX Card is in XXXX as charge/offe. bad debt and payment status is zero. Contact with this is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV

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 2019-09-15 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: TX

Complaint narrative:
Square company, is holding about {$250.00}. That I have collected from customers who buy ice cream from my ice cream truck. I have tried to give the information that they want on line but it will not accept the information. I have not been able to contact them by phone. 
Therefore I am not able to explain my situation to them.

Company response to consumer: Closed with explanation