vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with Midland Credit Management . There have been repeated threatening calls and just today on XX/XX/2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XX/XX/2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is Midland Credit Management with address : XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : Midland Credit Managment , Inc XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX There report is on some, XXXX XXXXXXXX XXXX Rewards with some listed Account Number : XXXX Reference MCM Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Unfortunately, I do not have dates associated with these things. 

I have contacted Wakefield & Associates multiple times trying to get my debt resolved. My initial complaint was that I had paperwork saying that my debt had been written off 100 %. I contacted them via email asking for an account number and submitting a copy of the letter saying that my debt was written off. No response. 

I then disputed the debt on my credit report. The credit reporting agency said that the debt was verified. Still nothing from Wakefield. 

I disputed the debt again, stating that I have unable to get in touch with Wakefield. The credit reporting agency said that the debt was verified. Still nothing from Wakefield.

I finally was able to pay the debt in full through Wakefield on XX/XX/2019 because I have no other options and my credit score is continuing to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2019 I sent a letter to Bank of America regarding three accounts that were being reported to XXXX XXXX. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from XXXX XXXX. 
On XX/XX/2019 I received a response from Bank of America stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a 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 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was contacted by Bank of America who I have a credit card with, with suspicious activities on XX/XX/XXXX, while I was sleeping at my home. I informed them I have the credit card with me and it was in my wallet. I let them know I am not the one who purchased on XX/XX/XXXX and I am not trying to make any purchases in that particular store. I let them know I am not in that part of the area that the purchases were made. 
Initially I was issued a credit for the charges made on XX/XX/XXXX, but latter I was informed I will be responsible for the charges. The bank is not helping to resolve the issue, is not doing the investigation on their end before they ask me to pay this amount, which is {$2800.00}. 
I need help on this matter. I have contacted all the credit reporting agencies to inform my identity has been stolen. 

Below is the message I received on the date I informed them it was not me. 

Bank of America Cash Rewards Visa Signat ending in XXXX XXXX XXXX, We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 
Do you recognize all of these transaction ( s )? 
Declined transaction at XXXX XXXX # XXXX for {$2900.00} on XX/XX/XXXX Approved transaction at XXXX XXXX # XXXX for {$2800.00} on XX/XX/XXXX I have been also contacted by CHASE that a credit card has been opened in my name and charges were tried on it. after they investigated I was sent a letter that it was not my charges and the account has been determined it was not mine. 
I have also included the documents to show I have contacted the credit reporting agencies.

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 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/2019 and on previous date I have sent LVNV Funding several letters asking them to send me a written contract that I signed binding me into a contract with them. They have never responded or attempted to contact me on this debt. They continue to report negatively on my credit report, which is causing me hardship in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have 7 hard inquiries for an auto loan that is severely affecting my credit score. One inquiry on XX/XX/2018, five inquiries on XX/XX/2018 and one on XX/XX/18. 

I have filed a dispute with no solution. This is what is on the equifax website about shopping for auto loans : 'If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from 14 to 45 days. This allows you to check different lenders and find out the best loan terms for you. 
All new auto or mortgage loan or utility inquiries will show on your credit report ; however, only one of the inquiries within a specified window of time will impact your credit score. ' I need these 7 inquiries to only count as 1 inquiry as per Equifax guidelines. Please help resolve this issue!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
This is supposed to qualify for loan forgiveness as I've received information about this and is to be completely forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Waiting on removal of items that were already removed

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 2019-07-01 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: MI

Complaint narrative:
Disputing a medical collection account from XXXX XXXX XXXX. In that first dispute letter i asked Equifax for proof of verification for the account or delete it. An original consumer contract signed by me. Equifax verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Equifax with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Equifax is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Equifax ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I sent in a complaint regarding the lender stating due to the NPV findings they would not modify me. However i believe the NPV test is incorrect as the reason i am not being modified is due to the fact the investor would like their money in the time frame allotted in my original mortgage agreement and lowering my rate or payment and or extending my terms would not allow that to happen. I believe i am a victim of a scam as my original lender and investor was XXXX who was bought out by XXXX in which awarded home owners money for the scam created by XXXX XXXX. I do not believe the documents in which i signed were legit at the time i opened this loan and i am also convinced it was predatory as my rate is well above the average rate at this time. I also requested a copy of the pooling and service agreement and still have not received it and also i do not belive the mortgage documents and assignment of mortgage is correct. I am in a non judicial state on which the foreclosure process is less and i do not have my day in court however my lender was brought up in a federal suite and lost and i believe my mortgage qualified as part of that suit. I would like answers to these questions in which the lender has been avoiding for some time as a 12 % rate is unrealistic and is predatory. I believe the lender is keeping this information from me to avoid being fined and sued for wrongful foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/2019 I sent a letter to XXXX  XXXX XXXX regarding three accounts that were being reported to Early Warning. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from Early Warning. 
On XX/XX/2019 I received a response from XXXX XXXXXXXX XXXX stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Being wrongfully evicted have proof of payments there disrespectful on the phone grandma is having XXXX cause of this going on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: POPULAR BANK
State: FL

Complaint narrative:
I used Popular Bank XXXX XXXX which is an app to send funds to people directly on XXXX for {XXXX}. I sent the same person for the same amount 2 months prior with no problem. The second time I sent money to the same person in the same manner it went to a person I have no idea who it is. A few days went by and once I realized the person I intended to send the money to did not receive it I called the bank on XX/XX/10. That is when i realized the info of the recipient 's phone number was one digit off. This was really strange because I used the contact in the app to send money before. I didn't input the number manually the second time. They informed me they couldn't do anything that day and to call back the next day. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. I informed them I believe this was a timely and to see if they could do something! They informed me the fraud department would call me with in 24 to 48 hours. In the mean while the money cleared through a XXXX account. After the second day I called again and they had no addition info. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. Two days passed with no call back back from anyone. In this time the fraud department contacted the person I attempted to send the money to so they could confirm the transaction and they told him to call XXXX and ask for the money back. I kid you not! They advised him to deal with XXXX directly. It took several days and many phone calls before I could even get an answer on what the possible outcomes could be. Eventually they told me sorry user error. I was appalled on how the situation was handled from the begging. I found the lack of contact and willingness to attempt to help there customer suspicious. No one could give me any information at all. I asked how this happened, where I went wrong, why wasn't i notified, I sent this person money before what happened and other questions with no attempt to answer 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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Sometime in XXXX I applied for a credit line increase for my XXXX   XXXX XXXX for the second time and was denied on XX/XX/XXXX due to Equifax missing my credit information. I called Equifax multiple times within the next week to figure out how to solve this issue. On Monday, XX/XX/XXXX, I mailed a copy of my drivers license and social security card to the Equifax Dispute Center because thats what a representative told me to do. On XX/XX/XXXX, I received a letter from Equifax saying they were unable to locate a credit file for one of the following reasons including not having a current file, not having applied credit recently, or not actively using credit in the past ten years. Today, on XX/XX/XXXX when I received the letter, I called Equifax back trying to figure out what went wrong and I was told to resend my same documents. On my XXXX report I see XXXX  and XXXX  but not Equifax. They are not helping me to help them, just telling me to resend things I have already sent, this situation is affecting my background checks and credit line increases in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received copies of my credit report from XXXX, Transunion, XXXX  and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I visited a chase branch in XXXX ca XXXX on XXXX XXXX XXXX and deposited XXXX $ through the atm number is XXXX XXXX the sequence number is XXXX after the money was deposited I received a receipt that stated to be sure your deposit went through please call us I then went inside the branch and they said they have no record of my deposit however the branch manager XXXX XXXX id # XXXX Filed a claims dispute with chase after 10 days they closed the claim and said it was denied because they dont have record of the transaction they completely stole my money and did little to help refund me I returned on XX/XX/2019 to try and speak with the manager he was rude and did not care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and noticed a company reporting medical collections on my credit I sent a letter in writing to the company explaining that the debt does not belong to me and requested for proof of all documents along with my HIPPA Form acknowledging that the debt belong to me.they sent me a billing statement and on that billing statement I have never had an account with this company. I have disputed the accusations with the credit bureaus and they claimed that the accounts was verified but that is not true I ask the company and the credit bureaus to send my complete accurate information showing that these collection accounts belong to me which neither have done so please look into this. it's not okay for a company trying to collect money that a consumer does not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation