vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was paying XXXX XXXX XXXX a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TN

Complaint narrative:
Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report.Original loan was indeed in my name but in XX/XX/XXXX Came a divorce.In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor (Mortgage Lender) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.

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 2018-08-15 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: NV

Complaint narrative:
XXXX and equefax have three issues each.XXXX,XXXX,and XXXX XXXX...report should read removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: UT

Complaint narrative:
1st Call.

I received a call from ( What I was told ) Premier Holding Litigation out of Texas. The first thing said to me is that I have a judgment against my Social Security Number. I said okay what it is about. I was transferred to another person. I was then told I had a judgment against me for {$19000.00} ( State and county courts named ) and a lien was about the be put on my house with the ( address given ). I asked what it was about and the person on the other end told me that it was an old auto loan from XXXX XXXX. She then told me that my paychecks will be garnished. I asked how old the debt was. She said last payment was in XX/XX/2009, so I asked if the statute of limitations was up and she said no it was 10 years. ( I live in Utah its 6 years ). She then tried to get me to pay {$5000.00} dollars to resolve the debt. I said I would not pay for a debt I don't know anything about and that they need to send me information on the debt. She said they could do that but by the time I got the paperwork, the garnishments will have started, and then she explained that if that happens a total of the payments garnished will be {$42000.00}. She told me I had until XX/XX/XXXX to pay {$5000.00} to avoid the garnishments. I then asked ; if they have a judgment why would they settle? She said it is in arbitration before the court executes the judgment. I asked ; why I had not been served papers? She said that it wasn't in court yet but was about to be filed. I told her I would call her back. That's as far as it has got at this point. 
2nd Call I got a call about 4 hours later from the same person at Premier Holdings. When I asked them to send me information on the debt she again threatened to sue and said they had tried to contact me before and could not. I told her that this is a time barred debt and she got extremely angry and said they are suing, they have a judgment, and they are going to foreclose on my house and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have been contacted by Portfolio for the last 2+months regarding a credit card debt. I have told them twice, including today at XXXX XXXX that I am working with an attorney to file bankruptcy. They say they will make notes and the calls will stop but they don't. I received another call at XXXX XXXX. I have warned them the numbers they call from are being blocked and I don't wish to discuss it further. They call about 6 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage is financed by Freedom Mortgage. In XX/XX/XXXX, Freedom Mortgage paid two ( 2 ) mortgage insurance policies for XXXX out of my escrow account. One of these policies had already been cancelled and billed by mistake. Freedom Mortgage still paid it without notifying me or questioning the fact that they were billed by two different insurance companies. When I asked them about it, they said if they receive any bill from an insurance company with my property address and loan number, they will pay the bill. This created a shortage in my escrow account. In XX/XX/XXXX, Freedom Mortgage performed an escrow analysis on my account and raised my payment to make up for the shortage. This was reflected on the XX/XX/XXXX statement. When I saw this, I called and investigated the reason for the increase. I had to contact the cancelled insurance company and have them refund me the money. I was advised to do this by Freedom Mortgage and was told once the money was back in the escrow account, they would do another escrow analysis and correct their mistake and back date it to the increase. I finally received the money from the insurance company in XX/XX/XXXX and transferred that amount to the escrow account. Now, Freedom Mortgage will not back date the reduction in payment to the increase caused by their mistake. I also requested that Freedom Mortgage no longer pay my mortgage insurance from my escrow account as I do not feel there is any oversight on how they handle my money. This was denied by them in XX/XX/XXXX. Freedom Mortgage mishandled the funds in my escrow account and will not back date the corrected escrow allotment to the date of the increase, created by their mistake, as they told me they would.

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didn’t pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. Cap One - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Customer Service, Inc.
State: WA

Complaint narrative:
I was told I owed for magazines that I ordered by phone in XXXX of this year. They verified my address, and said they had a recording of me ordering the magazines. It never happened, I have never received any of the magazines, ten of them, that he said I had ordered. He was very aggressive. I told him that it was a fraudulent debt, that either they, or the company that supposedly sent me to collection, had invented this debt. I am XXXX and I think they are just trying to prey on an elderly person. I told him that if they didn't call me back within 24 hours and either have a copy of the phone call I can listen to, or cancel the phony debt, I would report them to whatever agency I could. They called me back the next day and told me the debt was cancelled, without explanation. I just want it on the record that either they or a company with which they do business is preying on the eldery and anyone else who has this experience with them should report them as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: NY

Complaint narrative:
I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both XXXX and Equifax There are three new credit inquiries on my credit rating accounts with XXXX and Equifax- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX  XXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have been contacted by what appears to be XXXX XXXX XXXX ( XXXX ). I have received calls several times a day, for a couple of weeks now, from several different numbers. I do not know why they are calling, and they do not leave a message. 

Numbers used : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
A representative, XXXX XXXX from a litigation firm called XXXX XXXX XXXX contacted me this afternoon, Wednesday XX/XX/XXXX in an attempt to collect a debt from an overdrawn US Bank account that was setup in my name in XXXX and later closed in XXXX. Ms. XXXX had the last four digits to my social and other details regarding the account in question. 

The debt they were attempting to reconcile was paid a number of years ago however they were still claiming I owed over {$2000.00}. Additionally, they would allow me to settle the amount for {$1100.00} if I paid with a credit card now as the case was time sensitive. 

The phone number is XXXX and their fax number is XXXX attn 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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
I was sent a promotional offer email from Prosper saying if I completed a loan offer before XX/XX/2018 that I would be eligible to receive a {$100.00} VISA giftcard. I  completed my loan offer and the loan was approved on XX/XX/2018. After about 6 weeks, I followed up on two different occasions with Prosper to get the status on the giftcard. They mentioned I was ineligible because I didn't follow a certain " link '' to finish my loan. This should be irrelevant as it was not mentioned in the email that a loan must completed in this manner and I still completed a loan by the deadline. 

I dispute the claim that I am ineligible because I did all things necessary in the instructions. I believe this to be a false advertising scam by the company I am submitting this complaint for them to resolve this matter and send me the {$100.00} giftcard that should have been sent by now

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 2018-08-15 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: IL

Complaint narrative:
I have been disputing a charge off account with Transunion and XXXX  for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?

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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
XXXX XXXX sent my debt to a collection agency. The agency was called " Receivables Performance Management. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from Receivables Performance Management , LLC. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to XXXX XXXX XXXX, who ( XXXX XXXX ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from XXXX XXXX dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the XXXX XXXX  person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to RPM, LLC and I met their offer and timely replied. RPM gave it back or sold it to XXXX XXXX. I even got an email today showing a " confirmation number '' of paid in full from RPM. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.

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 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to the this location to close an old checking account and request a new account and I ask to speak with Personal Bank not a Customer Services Representative the Representative XXXX XXXX NMLS # XXXX claim that she close my account and transfer my {$1800.00} to new account of Convivence Check and to leave {$69.00} in the for any pending transaction I explain to the XXXX that I need my debt card and she issue me so she gave me a temporary debt and I explain to this Customer Services Representative that I need my debt card. Because the Customer Services Representative was acting like a Personal Bank she did not process the debt card correct I went to use the debt card to pay for my Transportion back to XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and it declined my transactions and when called the branch the could not explain why it did not work or why it was decline and I called Customer Number on the back of the card and XXXX the customer services represented informed that they could not see any other card that was issue to me temporary nothings. Is it legal for tellers and Customers Services to handled Personal Banking Matter with customer especial when you have request a personal bank is this legal? All misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulatons

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: AES/PHEAA
State: CA

Complaint narrative:
These 7 accounts ( attached ) were first opened in the XXXX 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX College, XXXX XXXX College and XXXX College.

Company response to consumer: Closed with explanation