vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Requested proof of debt with certified mail, was never received. Falsely reporting account as opened XX/XX/2017 which is in clear violation the FCRA. Never notified of this fraudulent account. Request this account be immediately removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: KS

Complaint narrative:
XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). 
My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX  Payment, and Rise Confirmation of XX/XX/XXXX Payment ).

On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on  XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. 
As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account opened fraudulently due to XXXX data breach in XX/XX/XXXX. Charged 500+ dollars to the account, went to collections before I even knew it existed. Went through XXXX to dispute. Gave all proper information, never removed from my credit report. Midland refused to acknowledge the legitimacy of my claim. Still calling me requesting money I am not, nor ever have been liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent TransUnion a letter on XX/XX/XXXX asking them to remove my PAID AND RELEASED FEDERAL TAX LIEN FROM MY TRANSUNION credit report. I received a response dated XX/XX/XXXX with results Verified as accurate. I did not dispute the paid and release was not mine. I ask that the information be removed as it is over the 7 years date. 

Per the information on the TransUnion web site and I QUOTE A tax lien can be one of the worst items to appear on your credit report. Its considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or so. ( Once paid and released, a tax lien must be removed seven years from the date it was filed. ) My Federal tax lien was paid and released. I also sent the proof of this information to TransUnion and they have failed to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA-XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One, Capital One Credit Card # XXXX I requested early assist customer service plan on XX/XX/XXXX and I got approved later dated on XX/XX/XXXX. 
( Letter attached your reference ). as per letter my APR 7.40 %, Monthly Minimum Payment {$92.00} and program terms apply account 2 billing cycles. 
Now already 3 billing cycles has been completed and APR 7.40 % not apply my account ( XX/XX/XXXX Statement attached your reference ) I called yesterday ( XX/XX/XXXX XXXX PCT ) Customer Service number XXXX and answered XXXX and I inquired about APR reduction my account and he said he can not see any letter issued on that day and I have to call Payment plan team on tomorrow. He not treat as a valued customer and I felt discrimination. 

I called today ( XX/XX/XXXX XXXX PCT ) Payment plan customer service number XXXX and Answered XXXX   and I inquired about why not apply reduction APR my account. 
He treated me so unprofessional and he didn't give positives feedback.He also says I don ' know what happens and he will follow up. 
I felt what happen Capital One.and it's seem like scam. 

Please investigate this issue and please adjust APR Reduction and Refund interest charge my account. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: London & London
State: CT

Complaint narrative:
i try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Debt collector IQ Data International , Inc. has committed two violations : ( 1 ) it is attempting to collect an alleged debt for which the statute of limitations has run ; ( 2 ) it is attempting to collect a debt without providing a valid verification of debt upon my written request. 

In or about XX/XX/XXXX, IQ Data attempted to collect a debt that was alleged by a former landlord with whom I had a dispute. In my opinion, the landlord owed me $ XXXX. Nevertheless, landlord sent its alleged debt to IQ Data. In XX/XX/XXXX, IQ data sent me a letter attempting to collect the alleged debts. I responded within 30 days of this letter, requesting a verification of debt in the form of the contract upon which the claim is based or the judgment against me. IQ Data responded with an indecipherable document with two itemized charges and descriptions that were not revealing of what the charges were, nor any evidence of a contract or judgment against me. I informed IQ data of this by mail promptly within 30 days of its letter to me, explaining that they had not verified anything, and I re-requested a verification of the debt.

I did not hear from IQ Data until today, when I received a letter dated XX/XX/XXXX from IQ Data offering to compromise the debt against me and informing me that they had or intend to report me to credit bureaus.

Californias statute of limitations is 4 years when based on a written contract. Although IQ Data has not produced such a contract its allegations are of a contractual basis for its collection. However, per IQ Data, this debt was due and payable in XX/XX/XXXX. IQ Datas claim if it existed at all is no longer enforceable by the laws of California. It is abusing its power and wealth to leverage the average consumers lack of knowledge of the laws to extract money that is not legally collectible.

The debt collectors information is below for your information.

IQ Data International, Inc. 
XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Account Representative : XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Yes they transferred to XXXX. Whom I promptly paid for delete. All other creditors deleted per XXXX   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 2018-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a capital one credit card with my old legal name. Once I had it and established great credit history, on time payments and a limit increase all within 6 months I applied for another line of credit with my new legal name. I was approved and the card was sent out. Received it, opened the app and added it to there. This was mid XX/XX/2017. Form that day on I have been locked out of my account. I have zero access to anything online, such as paying bills, monitoring credit report, transactions, usage, etc, BUT I CAN use both credit cards. Doesnt make sense. I sent over copies of my drivers license twice, I followed up weekly and kept getting letters back that they didnt understand why I was sending in my DL. Im sending it to you because youre asking for it. Each time I call it is AT LEAST an hour on the phone each time. Mind you, I have everything set up to be paperless. Since that is how it is set up, I am blinded on two credits because I can not access anything. My name change is personal and this company has tried to invade my privacy on more than once occasion asking personal questions. I understand wanting to verify identity but there comes a point where this is too much. I have now resorted posting on their XXXX page to communicate that way. Each time I call it is a different story with a different set of promises and deadlines, none of which have been met. I do not have the time to call in weekly to follow up on this. You have no problem allowing me to spend money on the cards, but you can not let me access my account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I sent this company a letter dated XX/XX/2018. Pursuant to the FCRA and FDCPA, I requested this company to provide me validation documents and listed everything that is required for this alleged debt to be validated I asked for the following information from them : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Debt collector license number in my state. 

In return I received a letter from them ( see attached ) that did NOT include any of the asked for information and billing statements saying this debt is valid. 

That is NOT validation. I would like them to remove this collection from all three credit reports because I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.

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 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Filed multiple disputes with company about the validity of the debt. The company keeps sending me copies of credit card statements as proof of validation of debt. I have asked for something more concrete as a way for validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX Chase Credit Card and XXXX XXXX both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to XXXX delinquencies within the last three months, Chase Card & XXXX XXXX XXXX. 

Chase Card & XXXX XXXX XXXX Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage Affidavit Of Mailing on all of there notices sent out on XX/XX/2016 which was 7 notices by wells fargo home mortgage was never mailed to me at the right address at the time of notice nor were any delivered at the said address that was mailed out by wells fargo home mortgage. As I have uploaded proof from the post office was delivered to XXXX XXXX CA XXXX I never lived or had an address in XXXX XXXX CA XXXX as to why wells fargo Home Mortgage would send all the US Reg m, ail to an address that's not on file or not mine. Wells Fargo Home Mortgage violated my rights to receiving notice by sending all the notices to an XXXX XXXX CA address in which they mailed out to no reason why it was delivered to an XXXX XXXX Ca XXXX address with bad intent on there part on a serious situation that was at hand. There seems to be a lot of issues legally with the loan past and after of there practices of there mortgage loans and legally giving me notice by law. With wells fargo home mortgage its never the truth it all ways putting some paper to try to justify there self as if there a reputable bank in which we no is not. Wells fargo stay in the news for fraud or consumer fraud by them.

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 2018-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AZ

Complaint narrative:
In XX/XX/2017, our second loan was sold from XXXX XXXX  to Statebridge Company. When Statebridge took over our loan, I had called to setup ACH transfers to pay our monthly fee. They shared I had ACH transfers set up, for XX/XX/XXXX they told me that I was setup with ACH and I would be all set. I double checked when I did not see the payment come out, and called back. It was then shared that I did not have ACH transfer set up, so I made a one time payment and they shared that ACH would then be set up for my next payment. In XX/XX/XXXX I had an ACH payment taken out. But in XX/XX/XXXX did not. Again Statebridge then claims I did not have ACH payments set up. They are very unorganized and every time I have to call back they have no explanation. This company should not be allowed to have my second mortgage, I hope each month that this gets sold to another company. Statebridge is not operating in an efficient manner and I fear there are other customers out there that run into the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
XXXX XXXX XXXX, Notice to quit and demand for possession XX/XX/2018 XXXX XXXX  and all other occupants residing at XXXX XXXX XXXX  XXXX, MS XXXX I went out of town to help my father because he was ill I would like to stay in my home I have XXXX boys still in school and I need time to get myself back on track I really need help please help me and my XXXX  boys please thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I tried to sent {$700.00} to my friend through PayPal. However, after I completed the transaction, I found out it sent out as eCheck, instead of instantly transfer. So my friend cancelled the eCheck transaction right away, which was at a pending stage. I thought I did something wrong, so I repeated this transaction four times. Everyone of them showed up as eCheck and was cancelled right away at the pending stage. I was confused about the issue and contacted customer service. He told me that since I cancelled, nothing will happen. The reason of using eCheck is cause by my bank. So I contacted my bank, they suggested me wait another day. The next day, I tried twice and showed up as eCheck as well. I found strange and checked my bank account. 
All those transactions was PLACED on my bank account. Eventually, all those six eCheck transactions that I made and cancelled, are hitting my bank account. 
They do refund my transactions, but the problem is I was charged overdraft fees SIX times due to the eCheck transactions. 
I contacted the customer service and the supervisor. The supervisor XXXX said, in order to cancel eCheck, you have to contact the bank, which was my first time hear that. She also said I should let my bank waves the fee. How my bank supposed to know my cancellation activity on PayPal? 
I strongly believe that PayPal should be responsible for all my overdraft fees due to the following reasons : 1 ) On their Help Center Page or Terms, they didnt state sender needs to contact the bank to cancel eCheck even at pending stage ; https : //www.paypal.comXXXX XXXX https : //www.paypal.comXXXX  2 ) sender will not realize they are using eCheck until the transaction actual placed ; 3 ) When the cancellation happens, there is not warning or instruction for both sender and receiver that indicates official cancellation need to process through the bank. There are two transactions even pulled out from my bank account and become my PayPal balance. 
4 ) the last but not least, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different.

Additionally, when I contacted the customer service, 2 representatives just being silent, and said nothing but there is nothing we can do or pushed my to go my bank. They made me sound like someone being irrational and ridiculous. 

In conclusion, my issue was caused by PayPals terrible customer service, lack of information, and poor instruction. If they did something on any parts above, my situation may be avoided. So I think they should apologize and cover the overdraft fees from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: GA

Complaint narrative:
I have contacted Equifax since XX/XX/2017 to inform that multiple inquiries were showing on my credit that I am not aware of. I sent another certified letter explaining that the inquiries came back verified, so please submit proof of how this was verified. As of today 's date no inquiries have been removed from my report that I disputed.

Company response to consumer: Closed with explanation