vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: GA

Complaint narrative:
WITH MIDLAND CREDIT THAT IS A THIRD PARTY COMPANY WHO PURCHASES DEBITS OWED THAT HAS NO CONTRACT WITH ME, I HAD A CARD WITH XXXX  AND THERE WAS CHARGES THAT I HADNT MADE AFTER REPORTING THIS DIRECTLY TO THE COMPANY I NOW HAVE XXXX OFF MY CREDIT DUE TO IT WAS RESOLVED I CLOSED MY ACCOUNT AND SOME HOW MIDLAND CREDIT PURCHASED THIS OLD ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY TO EVEN COLLECT THIS AMOUNT, I CLOSED DOWN MY ACCOUNT AFTER THE FRAUD PURCHASES WHERE RESOLVED NOW I HAVE THEM THREATEN TO GARNISH WAGES AND THEY DONT HAVE A CONTRACT WITH MYSELD WHICH HAPPENS TO XXXX XXXX XXXX I WOULD LIKE FOR THEM TO STOP REPORTING ON MY CREDIT AS THE ACCOUNT IS CLOSED DUE TO MY REQUEST AND THE CHARGES HAVE BEING RESOLVED, PLEASE PROVIDE ME WITH A CONTRACT THAT I HAVE WITH YOU AS YOU ARE JUST A THIRD PARTY WHO PURCHASED THIS OLD ACCOUNT THAT HAS BEING CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL

Complaint narrative:
We had a second mortgage loan through XXXX where we had automated monthly payments of {$270.00} deducted from our bank account. Our loan was sold to Bayview Loan Servicing without our knowledge. We noticed that our payments had stopped being deducted from our account, and we contacted XXXX. XXXX then told us that our loan had been sold, but we were not given any details. We found out that Bayview now had our loan because we saw it listed on our credit reports. We have been in contact with Bayview regularly via phone over the last 2 years, and our account has been passed around to several different people within the company with no resolution. We were told that Bayview did not usually handle loans like ours, and they were going to try to sell it. Meanwhile, they would not accept payments on the loan, yet they have been reporting to the credit agencies that we have missed 23 monthly payments in the last 2 years. We have no contract, no letters, no statements, and no email correspondence. We have tried to dispute this through the credit report a couple of times, but nothing has been resolved or corrected. Bayview reports that all information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear sir or madame, My Amex Membership reward points were frozen and the company did not solve the issue after I contacted them. 
From XX/XX/XXXX to XX/XX/2019, I had >140k MR points and there was a promotion of point transfer for XXXX points in Amex they refused me to do so. Amex representative asked me to talk to another department which did not help either. It is very frustrating.

Please help me to solve this. Many thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied to Bank of Americas refinancing of my home trying to force me to pay off credit cards to them when I have never been late. I declined that loan because them trying to force me Today I was turned down for a loan by them because I believe they are retaliatory now because of this. I havent charged on the cards they want payed in 2 years and I pay down 40 more each months payment.

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 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I finished school last year on XX/XX/2018. I did not get my diploma or show as a graduate until XXXX of that year. I contacted Navient today as I was told when trying to get a personal loan that Navient is reporting delinquent. I have not heard from them. They are claiming I am delinquent since XX/XX/XXXX of last year. 

How is this possible when you are granted a 6 month grace period from the time you graduate to start making payments? Plus the fact that they have made no attempts to contact me. My credit is now ruined because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Received a notice from my new monitoring service regarding an account from CONVERGENT OUTSOURCING in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC. The reporting debt of {$180.00} is a result of identity theft and does not belong to me .I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX/XXXX  veteran. I served 20 years in the military. After retirement I decided to use my GI Bill to attend XXXX University and obtain my degree. I am just 2 classes short from earning my degree at this point. ( XXXX did not accept all of my military credits as transfer credits and, I took a full course load for 4 years - but still don't have a degree somehow ). 

In 2015 I stopped attending XXXX full time since I just needed 2 more classes. During school, I ended up borrowing using some student loans since I had a wife and XXXX children who came with me to XXXX and we had extra expenses than what the GI bill covered. 

My student loans became due several months later. I paid them but slowly it became too difficult as I was not working, my wife also owed student loans, and I had a daughter approaching college age. 

I tried relentlessly to contact XXXX, XXXX and XXXX XXXX, which were servicing my loans, to get my payments deferred or reduced. When I called there was always a 1-2 hour wait. I called to ask them to talk to my wife who handles our finances. They said they would send me an email form to complete and return - I never received the email. I tried to use their online website to submit payments and contact them but the website would not let me create a user profile and log in. 

When I finally reached someone at XXXX XXXX XXXX they said I could set up loan deferment and we set it up over the phone. Three months later I found monthly email statements that showed they had never processed my deferment request and had been charging me each month, which put me in a delinquent status! I called and waited on hold for over an hour and they put me on a payment plan. Several weeks later the payment became due, but when the statement came it was for more than the amount we had agreed upon on the phone! 

I suffer from XXXX from my time in the military. There has been so many obstacles to working with these school loan servicers it has been so difficult. I have been unemployed for most of the time since attending XXXX, but I have not been able to reach the servicers to apply for deferment or forbearance since my early attempts. 

My school loans have now gone into default. We were sent a letter saying we now owe {$40000.00}, but I know I did not borrow this much money. I have records that show 1 loan was only {$3000.00}. My family needed money from our tax returns recently, but over {$10000.00} were taken in garnishment. 

I do not know who to call or where to turn at this point. 
1. How do I get straightened out what amount I really owe? 
2. How do I get back on some realistic payment plan, given that I am still unemployed? 
3. Is there a payment plan for veterans that are XXXX? 

Thank you in advance for your assistance. 
XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
Hello, my name is XXXX, just recieved a mail from CBE group , Inc. Today, never heard them before, or have any phone contact with them. They sent me a bill for XXXX, debt description for fine, public intoxication, it was in XXXX  probably from XXXX. I been living in XXXX since XXXX. First thing i did was call the company, explained to them i haven't lived there for years, and its pass the statute of limitations, they said, yes itnis, but we can still collect, i informed them thats against rules and regulations, and that I will file a complaint, so here inam contacting you about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I received a collection notice for {$59.00} from a Debt Collector named XXXX XXXX XXXX from car accident which occured on XXXX XXXX. I sought legal counsel and was told to forward any bills I received to my attorney, ( XXXX XXXX XXXX ), who would notify the creditor, that the bill is in litigation, and would be paid from my settlement with the insurance company. I forwarded the bill to my attorneys office when I finally received it 6 months later in XXXX of XXXX. I called the creditor and advised them that they should contact my attorneys office if they had any questions about the litigation status, and provided a women named XXXX from XXXX XXXX XXXX with my Attorneys contact information. I noticed the item was on my credit report and asked XXXX what would it take to be removed. She advised me once she confirms with my lawyer that its included in the settlement, or if I pay the {$59.00}, they would remove it from my credit report. She said she could no longer speak to me and would need to speak to my Lawyers office. In XXXX of XXXX, I disputed the collection with all three bureaus and XXXX and XXXX, were given the go ahead to remove the item from both reports ; however, XXXX claimed that XXXX XXXX XXXX electronically advised them not to remove the item. My lawyer advised me that even though XXXX advised it would be removed from all three bureaus after their conversation in XXXX, she told me to just pay the {$59.00} and ask for a Good Will removal, since they already gave XXXX  and XXXX the green light to remove it. On XX/XX/XXXX, my Attorneys office contacted XXXX XXXX XXXX to find out why the collection wasnt removed from XXXX after being told it would be, XXXX advised my attorneys office to have me make a payment and it would be removed. XXXX gave my attorney the website to make a payment but said I had to call to get the security pin to pay online. I contacted XXXX that same day, and she provided me the pin, and advised once the payment is made to have my Lawyer contact her and provide the reference number and they would have it deleted, she advised we could also leave the number on her voicemail. We left countless voicemails for XXXX since XX/XX/XXXX and we have never heard back from her. I disputed it again and with XXXX  and attached a copy of the receipt, but XXXX refused to remove the account and stated the creditor responded saying they havent received a payment. I am unsure what to do as this company has taken my money and hasnt removed the account from my XXXX  report, as they promised they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I fell behind in XXXX  when I purchased a vehicle that I purchased that was constantly broke down. my best buy/ Citi bank account was one of the counts suffered I have been catching up over the years. 
However, when I call Citi bank the automated system cant locate my account. when the representative comes on the phone, they tell me they cant see my account. they must transfer me to another company that is handling my account now. 

Their representative tells me the account is too old for them to collect a debt on. they tell me I can send a voluntary payment to Citi bank but can not not do anything about my credit report.

If Citi bank cant find my account, I am not going to just send them money. 
I understand I messed up with the account. However, I am trying to make it right. 
They are continually reporting the account to my credit report every month. 
They will not offer to settle the account but still will not settle the account.

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 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC

Complaint narrative:
Crown Asset Management purchased debt from XXXX XXXX that I owed I paid the debt to Crown Asset Management however they are still reporting the debt as delinquent even after the debt has been paid as of XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
Received a notice from my new monitoring service regarding an account from CREDIT MANAGEMENT LP from date XX/XX/2018 in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$370.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph.

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.

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 2019-03-11 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter from Barclays about my Master Card credit card that was being closed because of inactivity. I had not used the credit card in several months. However, I had {$10.00} built up as cash rewards. On XX/XX/XXXX I had been told at the number XXXX, if my card was closed, they would mail me a check for {$10.00}. I put the card away and kept using the credit card I normally use which is not a Master Card. I called the XXXX number onXX/XX/XXXXnd spoke to a XXXX, Manager. He said they could not give me the {$10.00} because I did not have {$50.00} built up. He reinstated my credit card and put the {$10.00} back on it. He was real nice ; however, I think they should have sent me the {$10.00} as the person on XX/XX/XXXX had told 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 monetary relief
Consumer complaint received 2019-03-11 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: MN

Complaint narrative:
I pulled all 3 of my major credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : I.Q. DATA INTERNATIONAL, INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by my legal counsel to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I have also attached the information that they sent back to me. I have never done any business with this company, and they failed to send me ANY kind of validation such as a signed contract with them. All they sent was a screenshot of an itemized list of charges of which I do not recognize and didn't even contain dates or anything on it. I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and I.Q. Data International has NOT removed this erroneous account from my credit reports, or have sent me any kind of real validation such as a signed contract with their company. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX a debit for {$20.00} came out of my account but it came out in the middle of the night and with in hours I got a notification that I got a {$35.00} charge. There was no chance for me to even step into the bank at opening time or ask my cousin to XXXX me money to cover the cost. This is unfair at least give people until the next day if you all are gon na debit things in the middle of the night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX. 
I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX. 
after contact with my lawyer they proceeded to hit my credit score on XXXX  illegally. 
the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: NV

Complaint narrative:
I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft 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