vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
I received a letter on or about XX/XX/2018 by regular mail from Account Control Technology , Inc. stating they were attempting to collect a debt from XXXX XXXX University in the amount of {$8100.00}. On XX/XX/2018, I responded in writing via certified mail return receipt to Account Control Technology Inc. to cease and desist and disputed this debt referenced in  the letter dated XX/XX/2018. I stated, that I did not owe this debt to XXXX XXXX University nor did I wish to do any business with Account Control Technology , Inc. On or about XX/XX/2018, I received information from XXXX   that negative information was added to my credit report from Account Control Technology , Inc. in the amount of {$8100.00} on behalf of XXXX XXXX University XXXX First, I have contacted the Department of Education and I do not have any outstanding loans or payments owed to the government or to the university as this time which the Department of Education shows I only attended XXXX XXXX for one semester XX/XX/2018 so I could not owe {$8100.00}. When I attended XXXX XXXX my last name was XXXX but now I am remarried as XXXX which I also referenced in my letter. I have checked the original letter & my credit report and there's two different addresses listed for Account Control Technology , Inc. for sending correspondence. How can the consumer know if their letter is being received to the appropriate address. Second, Account Control Technology , Inc. signed for the green card on XX/XX/2018 which I referenced the acct number on the green card & envelope as stated in the original letter. If there was an issue the person that signed for the letter should have forwarded the letter to the appropriate division especially that a reference number was included on the letter. Third, Account Control Technology , Inc. should honor my dispute letter & that is was received timely and that any/all adverse information be removed from my credit report as soon as possible. As I stated in my letter dated XX/XX/2018, I do not owe this debt to XXXX XXXX University nor do I wish to work with Account Control Technology , Inc. And I will also be disputing this with 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 non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/XXXX-18 I filed a transaction dispute with a teller at XXXX XXXX   regarding a purchase at XXXX XXXX that was missing items. 

I explained to the teller that my order was incomplete and after trying to get replacement items from the company through emails for about a month they never sent some of the items I had paid for. 

I provided some of the emails and a statement to XXXX XXXX at their request for my evidence disputing the charge. 

On XX/XX/XXXX18 I received a credit from XXXX XXXX for {$180.00} which was the original purchase price at XXXX XXXX. 

On XX/XX/XXXX18 XXXX XXXX removed my credit of {$180.00} and in a letter umpqua bank stated that " no error had occurred and based on my agreement with the merchant my order had been processed correctly '' This confused me greatly as I thought the information that I provided clearly indicated that I did not receive some of the items I paid for. 

On XX/XX/XXXX18 I returned to XXXX XXXX to re-file my dispute and even provided more of the emails to show my order was never completely fulfilled. 

OnXX/XX/XXXX18 I received a 2nd credit of {$180.00} while XXXX XXXX re-investigated my claim. 

I thought the situation would finally be over, as I could not believe that if someone actually looked at the emails I provided from XXXX XXXX and myself it was clear I never received my complete order. 

Then it happend. 

On XX/XX/XXXX18 I received a letter from XXXX XXXX stating that my claim was again denied because " no error had occurred " and they closed my dispute.

On XX/XX/XXXX18 I again went to my local umpqua branch pleading with the teller to please contact someone in the dispute department to help me. She told me she would call me back that afternoon and never did.

On XX/XX/XXXX18 I called XXXX XXXX customer service phone number that was provided on their letter and spoke to XXXX about my situation. XXXX informed me that the dispute department is a closed department and there is nothing I or anyone can do about the situation as they only allow for one dispute inquiry and once the decision is made its final.

XXXX informed me that XXXX XXXX provided a tracking number that I received the package form the merchant on XX/XX/XXXX18 and that was the reason why my dispute was denied. I never claimed that I did not receive a package my contention is that it was missing items. This is the part I didn't understand and asked XXXX " if they sent me a box of dirt and I received it does that mean my order was fulfilled as purchased ''? That's why its seems no one read the emails between XXXX XXXX and myself. 

I asked XXXX if there was any recourse or agency that could help me further and he said " no ''. 

Then through my own research I found the CFPB.

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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I was denied a job for a company due to the information that the company reported that was over 20 years old. The company told me that it would exclude me from future employment due to this information.

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 — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Select Management Resources, LLC
State: GA

Complaint narrative:
I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.

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 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
XXXX  : XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, USA I have been trying to resolve the balance on my account for several months. I live in XXXX  and acquired the account to use when I visit the U.S. The problem originated by received billing ( no online payment option for XXXX  ), very close ( or at the due date ). Even if remittance was paid the same day, it did not seem to be applied to the account on time, by the due date. I consulted with my bank ( XXXX XXXX XXXX XXXX ), and was informed the best option to remit payments was to send a money order in U.S. Funds by XXXX, or other same day service. I did so not once, but twice to eliminate the balance owing. This method has not resulted in credits being applied to my account in a timely manner. As an example : I sent a money orderXX/XX/XXXX by priority mail same day service, and it was not applied to my account until XX/XX/XXXX, after the due date for the next statement cycle. The charges on my account are not for purchases but for interest, and arrears. I no longer use the account. On the last payment I noted final payment - account closed, but I am still receiving bills and the charges keep accumulating. It is a vicious circle. I even visited a XXXX  in the U.S.last summer to pay the amount in full but was told since there were penalties on the account, I could not pay in the store. I have also called XXXX  and explained the situation on numerous occasions but to no avail. I contacted the Government of XXXX Ombudsman and they directed me to your Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Bank N.A. is the document custodian that held my original promissory note. I have requested a two sided,  most recent, true, correct and complete copy of my promissory note, including any allonge, produced from the original they held in their vault. I am not requesting a copy as of today if they do not have it, nor from another entity, I only need the most recent copy THEY have. An affidavit or statement that they lost the note and when it was lost is fine also if that is all they have. 

I sent a Qualified Written Request and called but have not been responded to. The below information will give them what they need to locate the copy/file. 

The loan was in the XXXX XXXX XXXX Wells Fargo is the custodian of the XXXX XXXX trust, also known by its Deal Identifier : XXXX or Long Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. See SEC filings : XXXX XXXX XXXX # 1stPage On the 118th Page of 401 it says : The trustee will appoint Wells Fargo Bank , N.A., to serve as custodian of the mortgage loans. The custodian is not an affiliate of the depositor, the master servicer or the sponsor. No servicer will have custodial responsibility for the mortgage loans. The custodian will maintain mortgage loan files that CONTAIN ORIGINALS of the NOTES, mortgages, assignments and allonges in vaults located at the sponsors premises in Minnesota. Only the custodian has access to these vaults.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX - I have no knowledge of this collection account. 

XXXX XXXX XXXX, XXXX XX/XX/XXXX I have no knowledge of this collection account. 

HARD INQUIRIES - I have no knowledge of these hard inquiries. 
This inquiry could stay on your report until XX/XX/XXXX. 

Inquiry from XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX DUP INQUIRY ) XXXX XXXX, CA 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 2018-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 2 XXXX XXXX accounts. I paid the balances down to {$0.00} on both accounts on the same day but 1 of the accounts is still showing late but the account is current. ( The account with the {$500.00} balance ). Please fix this.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchase my vehicle on XX/XX/XXXX from XXXX. Right after I purchase my vehicle I was laid off work on XX/XX/XXXX. I had no income to pay for the loan. My family and friends trying assisting me in my car payments. I contacted the lender and explain to them that I had lost my job and I wanted to return the SUV and Cancel the loan. Santander was very rude to me and told me NO. I have been struggling a whole year trying to pay this high car payment of {$750.00}. My contract states with XXXX that I only had 5 calendar days to return the car it was 12 days after I purchase it. I owe {$30000.00} back in XXXX and XX/XX/XXXX they put those 2 payments on the back end of my loan and reported to all 3 credit reports that I was 30 days late even though they have taken it but those loans on the back of the loan. Because I'm still looking for employment so that I can take care of the car loan I'm back again 2 months behind going into 3 months because I just can't afford the vehicle unless they lower my payments or take the car back and not give me a repo on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Was told that after I sent money through XXXX that I would receive the concert tickets I was purchasing. Once sent, the other person never responded and never sent tickets. Felt secure sending through XXXX because someone has to link their email, bank account information, name and phone number. Was given all of this information so how is there no way to reverse the transaction. Have reached out to chase within 5 minutes of money transfer, my bank, and was told that they will file a claim but that they can not reverse the transaction.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have explained under the FCRA that the debt that this company is trying to collect is not valid. I have sent out a letter XX/XX/2018. I have also mailed out a second letter on XX/XX/2018 asking to validate the debt in which they have not. I mailed out my third letter on XX/XX/XXXX under the FCRA and asked to provide documents with my original signature in which they have not. I have also mailed out a cease and desist letter out on XX/XX/XXXX after receiving numerous calls from various numbers under that company. They have also reinserted debts onto my report without notifying me.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has been reporting this XXXX acct XXXX acct number XXXX after they know it fraudulent because they blocked it with the full account number then left the account with the partial account number! XXXX  blocked it and I sent Equifax a Certified USPS letter over a week ago asking them to do the same with Proof and the lady named XXXX in Consumers Affairs refused saying I could have another 30 days but no  block. I asked by whose authority she simply kept repeating the same thing over and over! I am asking you The CFPB to help me with this annoying problem that they could care less about!!!

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.

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: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
This is the 3rd collection agency that has attempted to collect on this account. The account is NOT MINE, my information keeps being bought and sold and it needs to stop. This account needs to be removed from any credit bureau it is being reported to immediately. I will file a law suit and a complaint with the attorney general if these actions do not stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Name is XXXX XXXX Capital One Quicksilver credit card costumer account # XXXX XXXX. On XX/XX/2018 I open on the line an credit card account with an promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. I was qualified and in the three weeks I received the card which I activated. I spend it more than {$500.00} on purchases within 3 months from account opening and waiting the bonus to be posted on my account but that never came. I call customer services to see why those bonus never posted on my account. And customer service stated that you really apply it for this card but we decided to give you a card named Capital One QuicksilverOne which doesnt gave you the promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening but only 1.50 % cash earning. I think that Capital One Quicksilver credit higher management, purposely posted false advertisement by confusing customers and do not keep their promises or advertisement and cheating customers. Shame on those banks that do anything to make profit by posting false advertisement. Due to this situation I closed my account but Im looking for reimbursement. This card now is linked to another card number # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
After looking over my credit report I ran across a collection from this agency. They are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect METRO 2 COMPLIANCE! A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution. I received no response according to my letter.

Company response to consumer: Closed with non-monetary relief