vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TN

Complaint narrative:
On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
I received a phone call in my office at my workplace. During the call, a person told me that my store was expecting a shipment *security cameras ) but It could not be delivered because there was an unsettled balance. This person told me that my boss was in the line too.. I could hear his voice and we had a conversation, my fake boss instructed me to take money from our register to pay for the delivery. I ask the other person if the delivery guy could take cash but he said no, I should do a money transfer by MoneyGram instead. This payment needed to be done quickly because we could be charged a fee. 
My fake boss allowed me to go and do the money transfer for {$1000.00}, this money will be received in XXXX in a bank account in XXXX XXXX. 
So I went to a CVS pharmacy and did it. As soon as I finished, I called my boss from my personal phone number and I confirm the transaction but he told me that he never talked to me over the phone and that we were not expecting any delivery. So I realized I was a victim of scam/fraud. Immediately, I call MoneyGram to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: National Recoveries, Inc.
State: GA

Complaint narrative:
on XX/XX/2017 national recovery started the process of wage garnishment for a student loan from the us dept of education for the past year they have been taking 15 % from my paycheck I do not know who national recovery is I have never signed or agreed to do business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX appear on my credit report and this is a fraudulent account. I have sent all legally required paperwork i.e. police report which identify the items, notarized statement of truth, proof of identity to both the collection agency and credit reporting agency mentioned and neither will comply with the law and remove the fraudulent item from my report. I am a litigious customer and this is my last attempt before, I exercise my rights and sue the company for each violation of the fcra and fdpa. Please note this has been disputed with the credit reporting agency as well as the creditor XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 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: CORELOGIC INC
State: WA

Complaint narrative:
Credit company, XXXX, has been checked my credit without my permission on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thus, i called them twice and left the messages but i haven't got the answer. 

XXXX worked with XXXX XXXX, and i stopped by the XXXX XXXX and tried to find out but they said i need to contact the XXXX XXXX head office. Thus, i called twice but no respond. 

There are 3 inquires has been added on my credit report without my permission. This is completely unauthorized practice so that it need to be removed from my credit report. 

Would you please help me out? Since i called them twice and no respond, only CFPB can help this matter. 

Thanks.

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 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates comes up on my credit report every couple of years with new dates, they have called my sister, my parents, my boss and stated I was in legal trouble and going to be arrested if I didn't call them back. I had the attorney general in MN contact them 10 years ago and they promised to stop but every couple of years they start again. They have two bogus collections on my credit report that I can't seem to get rid of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I divorced my husband on XX/XX/XXXX, on the divorce decree he was supposed to redo the loan and put it on his name only ( see atach 1 ).

At a later time, we went back together, however, during this time he forced me to give him a quit claim ( see attach 2 ) He got the title but the loan remained on both of us name. Upon his death XX/XX/XXXX the mortgage company removed him from the debt and make me liable for the full amount, so I am not able to refinance or sale the property because I am not on title. 
Due to the hardship, on XX/XX/XXXX, I started a loan modification with XXXX XXXX XXXX and the outcome was denied on a letter dated XX/XX/XXXX ( see attach 3 ) they stated I did not qualify. On XX/XX/XXXX the loan was sold to Bayview ( see attach 4 ) and I requested another loan modification on XX/XX/XXXX. I submitted all the required documents, then I found out that they change my asst manager XXXX XXXX ( see attach 5 ) I started with another asset manager XXXX XXXX ( see attach 6 ) I submitted the papers once again, three appraisals were done during this time ( see attach 7,8,9 ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All the papers were complete by XX/XX/XXXX ( see attach 10 ) then I received another letter dated XX/XX/XXXX stating that it was incomplete ( see attach 11 ) Due to the fact that the property had equity, they determined not to approved the loan modification. ( It took about a year to get an answer ) At the present time I got a third asset manager, XXXX XXXX handling my case. 
On XXXX XXXX got a NOD. Two days ago I found a notice of trustee sale taped to my front door ( see attach 12 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: OR

Complaint narrative:
I received a phone call on XX/XX/2018 from Diversified adjustment services regarding a sprint bill from XXXX.When I told the woman over the phone that I couldn't pay it she interrupted me started cussing in a threatening manner I then hung up. She has since been calling my phone several times a day, sometimes more than once in an hour through out the day. This has been going on at least 3 times a day since and at one point she called me FIVE times in one day. This is not professional and is starting to be harassing and threatening. I called this company on XX/XX/XXXX to make a complaint and was cut off and told I needed to settle my debt before they would transfer me to the supervisor. I have my phone records if needed to prove it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank did not fund my car and insurance payments without my knowledge. It caused the lender to report us to the credit bureau for late payment. This resulted to a drop on our Credit Score by more than 50 points. Chase claimed to have mailed a letter stating that I had until XX/XX/XXXX to provide information or they would freeze my account. 

1. They sent the mail to a wrong address.

2. The claimed letter stated that I would have until XX/XX/XXXX to go to a Chase Bank office. 
3. I was on the call several times and at Chase Bank office on several occasions to complain about my account prior to XX/XX/XXXX and was never told that they will not fund my checks even if I had more than enough deposit. 
4. The payments that were funded were on the dates before the deadline of XX/XX/XXXX. 
5. On chase explanation letter dated XX/XX/XXXX, it stated that they need some information that was already given several times starting from the opening of the account. If Chase lost the records, they should not penalize the depositor from their carelessness. 

I demand that Chase Bank send a letter to XXXX XXXX stating that it was their fault on failure to fund my checks as requested by XXXX XXXX in order to correct the Credit Bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX I applied for a credit card and was surprisingly declined. When I got the reason via mail I was shocked to see that my credit score had dropped almost 200 points. I had an extremely difficult time reaching someone at Experian in regards to this matter. When calling in, you have prompts for about 3 things and none of them would bring me to a live operator.

I finally got through to someone and received my credit report via mail since I couldn't login online. When I got my report I was shocked again to see that another persons account had been merged with my own. I can't imagine how something like this would happen. Again, while trying to reach Experian via phone, it was incredibly difficult to reach an operator. It's almost as if they don't want you to resolve the issues. An issue that they themselves created.

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 2018-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I received notification from SunTrust bank that six accounts were opened. I called along With my representative from XXXX that the accounts were fraudulent, not opened byme. Supposedly it was all taken care of but today I received temporary checks on four of the accounts that I did not open and I called SunTrustbank and they said it was on a freeze but still being investigated. This has been going on over two weeks and there should not be any reason why this is not resolved and that I am notified. They were absolutely no help today in resolving and putting a stop to this identity theft. This is not the first time this has happened to me because of my documents being stolen and I need confirmation of it being taken care of. I have to be diligent on these occurrences and need the bank to cooperate. Regards, XXXX XXXX The case # SunTrust gave me is # 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 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been several credit inquiries from companies listed on my credit report with XXXX credit bureau, I have called and talked to customer service that were unable to provide with any information about these inquiries. I was told that they don't have any record of pulling my credit. I contacted the customer service numbers listed on my report. I have a fraud notification on my report that companies are supposed to call me for verification. These inquiries did not result in any loan or card being dispersed. 

EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
1. I attest that I am XXXX XXXX writing this alone from research I have done online. 

2. This complaint is based on METRO2, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX, XXXX, and XXXX are reporting harmful information supplied by XXXX XXXX. 

3. XXXX XXXX is a debt collector by file standards. Laws prohibit DC 's to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual.

4. Metro2 file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or IUnpaid Collection pay status. 
Account Type Codes 48 Collection Agency/Attorney 77 Returned Check 0C Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. Thus I have been denied credit several times and the creditor attributes this Debt Collection Account from Midland as being recently past due, however past due is reserved for credit grantors. 

6. In XXXX  Credit Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. Also other irregularities are " Terms 1 month '' and A payment account history from XXXX XXXX with high balances reported, scheduled payments reported, with fictitious balances. A copy of these irregularities is attched, XXXX Report number XXXX, pulled XX/XX/XXXX. 

7. In XXXX Credit Report, XXXX XXXX reports as an " Other '' account instead of the designated Collection Account, and can not according to Metro2 - as this data is not expected to be sent by a debt collector on this industry standard file. Which leads to other irregularities on file from misreporting such as a debt to credit ratio of 100 %, Midland is not a creditor. Also reports as a Loan, and as Retial Creditor classification, and reports an amount Past due. All of this reporting is not to industry standards and has negatively affected my credit and ability to seek credit. This is from XXXX Report # XXXX Date XX/XX/XXXX 8. In XXXX  Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. This debt collector continually reports to XXXX " Opening '' the account and closing the account for past several months since I started disputing this information. 

The following : INFORMATION ONLY FROM METRO2 -- -. The following fields are not applicable and may be blank- or zero-filled : Credit Limit Terms Frequency Scheduled Monthly Payment Amount Payment Rating Original Charge-off Amount To be brief this is only the beginning of my complaints against this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I'm being charged a debt of over {$2000.00} to a hospital that filed for bankruptcy shortly after I visited it back in XXXX and now it shows a debt opened in XX/XX/XXXX and i didnt even go to the hospital then because it was closed and working on getting a new owner/company to take over. I never received anything in the mail that I even owed anything to this hospital before it closed. Then all of a sudden I check my credit report and boom its on there!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
As a young college student it was necessary to receive student loans in order to receive a college education. Once out of college, trying to understand my credit and loan situation I was sent to XXXX XXXX. I naively asked them to assist in setting up a payment plan to ensure I was covering interest and paying my loans off. The woman on the phone advised that I should use the " income based '' payment plans, which I did. As a professional helping a young individual sort through the very intimidating process, I had no choice but to trust what she was saying was in fact the truth. I have now applied for a mortgage and come to find out, my mortgage broker was able to find that I have only been paying interest and XXXX towards my actual balance. Long story short, I have simply been paying the company to maintain my loans. Their practice is incredibly misleading. It took me repeatedly asking for an actual breakdown which the representative certainly did not want to give me. Our young are being taken advantage of by large companies and XXXX is the epitome of this. They need to be honest and transparent instead of money hungry and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I called the BMO Harris contact line at XXXX to inquire further about an account I saw advertised on the BMO website at www.bmoharris.com ; their Premier Money Market Account. I did not see a full disclosure of fees for the account. When a representative came on the line, I told her that I was interested in opening a Premier Money Market Account and would like to see the truth-in-savings disclosure to verify fees for such items as minimum balance, number of withdrawals, etc.

The agent put me on hold for approximately 5 - 7 minutes, when she came back she told me to look at the website. I informed her in the time that I was on hold, that I found a disclosure at the following address : XXXX XXXX XXXX but that this disclosure contained information many different accounts, but not for the Premier Money Market Account, and that this was a disclosure was required by law, and I would like to see it before opening this type of account. At this point the representative became very upset and said that I should just " go visit a BMO personal banker. '' I told her that I wanted to either speak to a supervisor, because I understood that a truth-in-savings disclosure must be provided if requested. She stated that all phone calls are recorded, her name was XXXX, and hung up the phone.

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 2018-11-17 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 — Was not notified of investigation status or results
Company: VW Credit
State: CO

Complaint narrative:
On XX/XX/2018, I sent the attached letter to VW Credit Inc. as a  formal dispute of erroneous information on my credit reports. I clearly outlined specific errant information on each trade line with official screenshots from XXXX, XXXX, and XXXX. The letter was sent via XXXX ( Tracking number XXXX ). I verified that the item was received. Additionally, I received a phone call from a VW Credit supervisor confirming receipt and asking to discuss the matter. VW Credit has had sufficient time to mark my account on each of my credit reports investigating my dispute, however this has not taken place - despite the clear evidence of outlined errant reporting and inaccuracy. I don't understand why they are not abiding by the FCRA by marking my accounts in dispute. I don't wish to discuss the matter over the phone and prefer all communication in writing to ensure I have a clear paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NY

Complaint narrative:
XX/XX/XXXX, I logged on to my credit reports to verify everything was correct and noticed information in all three credit reports of a XXXX XXXX of {$1300.00} opened in XX/XX/2018. A inquiry was made in XX/XX/2018. I also noticed an address that was new. Only showed up in the XXXX report as XXXX XXXX XXXX, XXXX, XXXX XXXX, OK, XXXX. I have already filed a complaint, letters, to all three credit agencies, as well as the FTC this week. I have filed with my local police force of this incident, as well. 
I have only contacted and notified the collection agency, Berlin-Wheeler Inc, of this incident so far.

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