vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
In XXXX, I sent Credit Collections USA verification/validation request and I received 2 letters back ( attached with complaint ) which did not provide any verification/validation information requested. On XX/XX/2018, I filed a complaint with CFPB and received a notice that Credit Collections USA response but with no more information. I contacted CFPB and was informed that Credit Collections USA did fail to provide any requested information and to file another complaint.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/2016 I purchased a used XXXX 2016 from XXXX of XXXX ( XXXX XXXX XXXX XXXX Il XXXX ) and financed by GM Financial. The car price was {$9200.00} the APR was 9.90 % and the terms were 71-months. I have been aggressively sending payment above my minimum payment. As of today, I believe that my total balance should be {$0.00} but GM Financial Statements keep showing a balance of {$1000.00}. I have communicated with GM Financial about this issue and they have not made any adjustments. I have proof of payment and any additional information you need to help me clear this problem with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
i have been receiving pre-approved letters from Capital one Auto Financing they have been pulling my credit report without my permission they have put 17 hard inquiries on my credit report I am in the process of purchasing a home now it has been delayed because of the inquiries this is a continuing problem this has happened more than one time I have called to complain to them and they are still doing it I need this to stop or I won't be able to purchase my home please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The XXXX XXXX XXXX company sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: Midwest Recovery Systems
State: IN

Complaint narrative:
Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  isnt doing nothing just collecting all my disputes trans union is not even letting me look at credit i need to monitor my credit b/c of hacking and ID theft victim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
I had a XXXX XXXX charge card opened in XXXX. I had financial problems as the Real Estate market is unpredictable and I'm a XXXX. I was making payments to XXXX XXXX in XXXX of {$75.00} dollars I missed a few payments after about 6 months they sold my account off to XXXX who in turn sold it to Lustig, Glaser & Wilson.  This Attorney has not been agreeably to settling the first time I asked them they filed a judgement against me while I was trying to save my home from Foreclosure, make car payments and health insurance payments all on a XXXX XXXX salary & my XXXX  job. I told them I had XXXX kids they didn't care we had to go on food stamps for a short time as well do to my wife having XXXX. I missed a court date and than I had to show up at the 2nd one and this Lawyer just does not want to work with me he just sent out paper work asking me to do a profit and loss for him so he can continue to try and harass me is the wrong amount and XXXX XXXX did not take off any of my payments they continued to charge a late fee even though I asked them to close the account. My youngest daughter was just in XXXX XXXX XXXX for 12 days due to her XXXX XXXX and we have to take her back for the next couple weeks to test her blood to make sure her white blood count goes back to normal as the XXXX could not remove all the toxins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
In have written this company once in regards to listing the accused debt several times as a collection. And needs to be removed, its causing my credit score to decrease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
3 people requested to be put on my credit card and capital one will not give their names. Capital one said that they knew my personal information. All that they did was issue a new card I asked them to give me their names and capital one refused how can I protect myself if I dont know their names. Can you help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm
State: TN

Complaint narrative:
Apologies for the lack of information provided in my earlier complaint. On XX/XX/XXXX, my employer received a notice to garnish my wages from Mendelson Law Firm. Prior to this notice, I had never heard from this law firm, despite the fact that they somehow had my correct phone number on the papers that were served. 
The debt in question was from a XXXX credit card that I opened XXXX years ago. Frankly, I had forgotten about that card and assumed that the statute of limitations had run out on it. The amount listed was {$1700.00}, though my original credit limit was only {$1300.00}. 
I called Mendelson Law Firm to ask what I could do about it. They told me they would stop the garnishment if I paid {$2000.00} up front, then agreed to make payments on the rest of the {$4000.00} balance. When I asked what contact attempts had been made to me, XXXX ( legal assistant ) told me that they did not have to contact me regarding the revival of a judgment ( apparently there had been a judgment in XXXX as well, but I was never made aware of this that I can recall ). When I asked what contact attempts had been made to collect the debt PRIOR to the revival of the judgment, she did not answer my question and forwarded me to her supervisors voicemail. 
Mendelson Law Firm has purchased this nearly-two-decade-old account to extort money from me. A garnishment to my wages would significantly affect me and my XXXX children, as I am the primary wage earner. They have told me that I have to pay MORE than my original debt in order to keep this garnishment from occurring - for a debt that they have never contacted me about. I am deeply concerned about the legitimacy of their business, for myself and other consumers that they are preying on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My sister deeded me her house in XX/XX/2018 she passed in XX/XX/2018 it is recorded in our county recorders office as well. Her mortgage was notified of this as she has a outstanding loan. Which I have been making the payments. I put the home up for sale and the sale is pending for payoff balance. We can't close now due to the mortgage companies refusal to release the payoff balance to myself or my realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
n XXXX, I went through a divorce and I tried to stay in my house with my kids but found I couldn't afford it. I have since moved out and was willing to let it go into foreclosure and then I had a conversation with Select Portfolio Servicing ( SPS ) about the possibility of a short sale. SPS is servicing the mortgage for the investor but no one can tell me who exactly the investor is or how to get in touch with them. I have had several offers and they keep getting denied by the investor. I owe {$100000.00} on the house. The house needs some work and there is a cash offer of {$85000.00} waiting now that they keep denying but SPS tells me there is no way for me to get in touch with the investor who makes the decision. I don't see how this is even a possibility. If someone is making a decision that affects my life, I should be able to contact them in some way. Also, the mortgage company tried to file a claim on my homeowner 's insurance saying there was vandalism and that is not true. The realtor that SPS put me in contact with even said that he has pictures he took of the house from XX/XX/XXXX when he first listed it and nothing has changed. His words were " it is still in the same state of disrepair ''. I believe whoever tried to file that claim was trying to get my insurance company to do the repairs needed on the house by stating it was vandalized. It was not vandalized and I have since dropped the insurance on the house because I can't legally stop the mortgage company from filing a claim because they have an insurable interest in the house. I am not sure what to do and why the investor keeps denying a short sale but I can not find a way to get in contact with the investor. I keep getting the run around. The final court date for the foreclosure is set for XX/XX/XXXX and I don't understand why they would rather foreclose on it than take the cash being offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
City bank / XXXX. From XXXX XXXX has been charged without any paper trail. XXXX they charged XXXX in interest. From XXXX till this day there has been 23 charges added to the account without any reason or paper work. I have a print out from XXXX of all purchases that I have made and a complete copy of all the statements from citi bank along with a CPA accounting and reconciliation of the two. I have been charged for things I do not have or bought via the card then charge interest of 50 % on them all of this I shall send you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
XXXX XXXX sold our home equity loan to Rushmore in California. I believe Rushmore is frauding their " new '' clients. It is difficult to get anyone at that company to answer the phone. They would only let me pay by setting up account on their website to do a draft from our account. I wanted to pay the balance in full. They would not let me pay more than {$10000.00} per day. I was charged a {$50.00} fee for them receiving our loan in the first place. The next day I tried to pay the remaining balance. It would not except full balance. I had to leave at least one cent remaining. I finally got a hold of someone there and said they have to have a cashier 's check for final payment and that we owed them {$68.00} transaction fee! They said I owe them that because they would have to go to the courthouse to get the deed. I live in Louisiana and Rushmore is in California. I wish someone would please investigate the practices of this company. I looked online for information about this company and all they have are really bad reviews. I fear the deed is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are Ally Financial, XXXX, XXXX XXXX and XXXX XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX 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 2018-09-20 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: Global Lending Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are XXXX XXXX, XXXX, Global Lending and XXXX  XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is repeatedly calling my child 's mother 's parents in an attempt to collect a debt. This is an abusive practice as the attempts to communicate with such persons as occurred more than once, they have identified from where they are calling without being expressly requested. Doing so has purported the implication that a debt is owed. The creditor has no reason to believe that I have ever resided at that property or could be found at that number. The owners of this number have reached out to me as they feel harassed by these abusive collection practices. The purposes of these calls are to defame, embarrass, and humiliate the debtor. This is damaging to my character and personal reputation in addition to causing strain in my personal relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: PA

Complaint narrative:
XXXX XXXX Credit card is showing a balance and there is no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I just noticed that in2016, Citibank paid consumers because of fraudulent activity with Credit Card Protection. They are doing that same thing to me, now. I took the Protection, and just today find it is through XXXX XXXX XXXX. Between 2016 and today less than {$600.00} has been paid on the acct. I called Citi, they will send a statement from 2016 but said acct has gone to collections, how can that be when I still pay for protection. They will not permit me to have access to this acct on line, and I tried two years ago and they said no. Wont send me an up to date statement and XXXX XXXX wont say what they pay or what I am paying them for this Payment Safeguard program. This is Fraud. Someone needs to go after them again, this consumer seems to have no rights. I am to the point I am not going to pay Citi, unless I get answers. Can you 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