vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Received a voice message from MIDWEST RECOVERY SYSTEMS   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , MO   XXXX   stating that they were hired to resolve an online payday loan in the amount of {$1000.00} i allegedly had taken out in   XXXX   from a compay by the name of   XXXX   XXXX  . I told them i was unaware of any online payday i had ever taken out with such company and did they have any validation of the alleged debt. The agent told me that they did n't, they were simply hired to collect on the debt at which point the agent gave me an old address of mine that i lived at back in   XXXX   in a property that was foreclosed on. I told them that without documentation to validate their claim i could n't speak to them any longer. I did notify the agent that in the state of Florida, Florida law requires that the payday loan agreement be in writing and signed by both parties on the date the loan is given. The loan agreement must contain : the name and address of the lender and the lenders business office the name of the lender 's representative who signed the agreement a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
None of this infomation he had at which point he hung and i have n't heard from since. They did put a negative mark on my  XXXX  credit report however without even attempting to resolve this matter beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Acceptance Corporation
State: VA

Complaint narrative:
They reported inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
In XXXX 2015 I went to the XXXX XXXX XXXX XXXX XXXX ER. They out source their doctors from XXXX XXXX XXXX XXXX. I have dual insurance and XXXX XXXX XXXX billed the wrong insurance as Primary. The insurance would n't pay and by the time it was resolved ( that is, by the time XXXX billed the correct insurance ) my insurance would n't pay my because it had been too long. XXXX sent the bill to collections even though it was their billing error. I paid the bill anyway directly to XXXX. The collection company, Action Professionals Incorporated, sent me harassing and numerous letters even after the debt was paid. They are now trying to get me to pay interest on the debt directly to them. XXXX has been paid and the issue with them is resolved. Action Professionals Incorporated have continued to harass me via mail. I called API to resolve this issue and they said the law says I have to pay them interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
My mortgage loan is serviced by Selene Finance and the investor is XXXX XXXX. I was previously discharged in a chapter XXXX bankruptcy, but Selene Finance kept aggressively collecting payments on my mortgage loan. Selene Finance finally offered me a trial loan modification in XX/XX/XXXX and the payments were {$770.00} per month. Selene Finance advised after the three month trial plan that a permanent loan modification would be completed. However, they continued to collect trial payments until XX/XX/XXXX and then advised that the loan modification was denied. Selene Finance has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Persection 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or  inducement in any post-petition communication. Selene has also violated the Federal Bankruptcy  codeby proposing a forbearance agreement on the discharged debt. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violationof the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. No. XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XX/XX/XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX, XXXX. # XXXX ( XXXX. S.D. Ohio XXXX ). Selene Finance is in clear violation of CFPB mortgage servicing rules as well, since they have refusedto complete underwriting on complete loan modification packages submitted. Selene has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by Selene Finance on a number of counts and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
They reported inaccurate information on 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 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLCt. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Funding LLC from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Funding LLC removed from my credit file. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: WA

Complaint narrative:
I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed many times inquires on transunion, XXXX and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed many times inquires on XXXX, XXXX and Experian that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

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 2017-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I sent a wire transfer amount of {$8500.00} dollars on XX/XX/2017. Now it has been 3 days, the fund is still not available. The company, Coinbase Inc has promised on their website and with email that the fund will be available within 1 business day same as any other wire transferred funds.
But now they do n't even reply to my emails anymore. After promising to get the problem fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have mailed and faxed a copy of my police report to portfolio recovery to show the account was opened due to fraud but I have not received a response and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.

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 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I paid and closed my Elan Visa credit card on XX/XX/XXXX. It is a secured card and the company has not reported it closed to XXXX or XXXX, nor have they returned my {$300.00}. I called and they said even though I had paid, I would have to send a letter stating to close the account. I did that in XX/XX/XXXX and they have not returned my money nor has the credit report been updated. I have a perfect credit history with them and there is no reason not to return my security deposit.

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 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly

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 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting to my credit report i do n't recognized.

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 2017-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had taken a home equity loan with Citizens One. This year the loan came due. They told me they were going to foreclose on my house if I could n't pay them XXXX. I was never late or missed a payment. I have been trying to modify this loan for a year this month. I have been through the process 5 times now. My home is worth XXXX. Because of a divorce and other issues that are coming to an end this month I could not come up with XXXX. Please help! I can make payments as I always did and do n't want to lose my home I 've had for 27 yrs. Because of this the have trashed my credit. It 's clear to see on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: GA

Complaint narrative:
not sure I see some inquiries on my report, that I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: GA

Complaint narrative:
not sure I see some inquiries on my report, that I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
not sure I see some inquiries on my report, that I did not do

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 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been reviewing and monitoring my credit report and Capital One and XXXX, XXXX and XXXX still has n't deleted permanently the negatives and charged off wordings with on my credit reports. On XXXX XXXX,2016 a Bankruptcy Chapter XXXX was filed and XXXX by Federal Judge on XXXX XXXX,2016 in XXXX, Texas Federal Court and Capital One Credit cards ending # XXXX and XXXX and any Capital One credit cards negative wordings on my credit reports should be deleted immediately. Under the Federal Fair Credit Reporting Act,15 U.S.C & 1681 ( FCRA is a legislation enacted to promote the accuracy.fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

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