vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management Services , Inc. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. NCB Management Services , Inc. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( XXXX ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: LA

Complaint narrative:
On XX/XX/2018 I notified Equifax of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Equifax submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by way of state, local and federal information obtained through a third party, XXXX XXXX. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Equifax claims to have verified. 
After receiving the verification from Equifax, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Equifax 's assertion that the public records were verified is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
Company is using an automated system to call 4-8 times per day and doesn't leave a message. When I called back and asked why they would call me this many times I was asked the following : " Are you having a bad dayyyyyyyy? '' " Aww, who hurt you? '' " You sound troubled '' When asked to speak with a supervisor I was told 3 times unfortunately no one was available. 

When I asked to be taken off any kind of automated system they hung up on me. 

When I told them this debt wasn't real and I'd already tried Names : XXXX - supervisor employee ID # XXXX. - he let me know he plans to allow his team to call me as many times in the day as he feels like because he knows the laws and he doesn't mind breaking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX   County in XXXX of 2017. I have made multiple attempt to contact Freedom Mortgage and have made multiple attempts to retrieve information from Freedom Mortgage in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at Freedom Mortgage, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. Freedom Mortgage has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

Freedom Mortgage has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact Freedom Mortgage to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with Freedom Mortgage indicating that I should not be held accountable for the loan. Freedom Mortgage may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to Freedom Mortgages negligence in this matter my reputation has also been damaged. Freedom Mortgages performance deficiency has caused additional damage.

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 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I'm currently struggling on paying some bills so I went to XXXX XXXX company which helps out people with different creditors to settle on a certain amount so I don't have to pay all of it back. They are currently trying to settle with Lendmark and I understand why they are calling me constantly to make a payment because I haven't but I had already told them to not contact where I work and they continue to. I find it disrespectful and thank XXXX I haven't got fired because they call almost everyday. I had spoke with a lady at Lendmark telling her to not contact me at work and she has other people calling from Lendmark and she should of passed the message to them as well. Also, they contacted my mom the other day asking to verify my employment and I don't appreciate that. I'm waiting till they settle on a agreement but until then I don't want them to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NJ

Complaint narrative:
I was a victim of fraud several years ago involving a NetSpend card. My frequent flyer program has a deal with NetSpend and I VERY much want to take advantage of this offer, however they have denied me twice due to past fraud. I was the VICTIM and feel it is very poor business practice I get punished for someone else 's crime. I have provided every answer to idenity questions and will provide documentation of idenity if needed. This is NOT a credit card, as you know ; it is a refillable debt card so I don't see why I am being denied. The past fraud involved an XXXX gift card. Please rectify this problem.

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 2018-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the three major credit reporting agencies I have written to the Transunion major credit reporting agency an as of this date removal of this XXXX XXXX XXXX has not been 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 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: NY

Complaint narrative:
Ameritech Financial has not been paying any of my students loans although they have been extracting a monthly payment amount from my checking out. Ameritech Financial is a servicer in which they claim to consolidate your students loan for a cheaper monthly amount. However, i had to pay a percentage to Ameritech along with my payment plan in which Ameritech gains access to my educational loans and pays my loans. So they have claimed. For the past several months i was away XXXX and received calls of Ameritech wanted more documents for my file. At the time i understood although i was suspicious in why they wanted more documents and pay stubs. I could barely talk and notified the person over the phone that i was not home and it would be a while before i was able to get any documents. I also knew once i arrived home, i will be able to sit down and better understand what exactly was wanted. Upon my return home in XX/XX/XXXX, i began looking into my credit report and it stated i was behind one my students loans. I discovered my debt had only increased. Furthermore, i was receiving and still am receiving emails from XXXX stating i have been missing my monthly payments. This discovery became more so clear when on XX/XX/XXXX i received a letter from the Federal Trade Commission ( FTC ) stating that Ameritech has been sued for deceptive practices. I realize the money i have been paying since XX/XX/XXXX, has been going directly to Ameritech and not my loan debt. 
On XX/XX/XXXX upon receiving the letter from FTC, i called Ameritech regarding this whole issue. I was only greeted by a costumer messenger who would only take my contact info for a call back within 24hrs from a actual case manager or agent. At roughly XXXX hrs EST time on XX/XX/XXXX, i received a call from a XXXX from Ameritech telephone number XXXX. I discussed the issue in play. I requested to have my money back. XXXX put me on hold on more than one occasion stating he will run it with the billing department. He then said it was denied. XXXX was not understanding about the situation. He said he might only be able to give me the money for the services Ameritech was not able to complete. I told him no service was done since my monthly payments were not going towards my loans. I am now behind in more debt because of this deceptive practice to lure people in. I kept attempting to get my money back. It was also mentioned on the steps i should take according to the FTC letter. 
I had my membership/plan canceled. XXXX said should have a conformation letter emailed within 24hrs. 


Ameritech Financial # XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX XXXX, CA XXXX Tel- ( XXXX ) XXXX When i initially enrolled the person who guided me is XXXX XXXX . 
Email- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: AES/PHEAA
State: TX

Complaint narrative:
XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. XXXX XXXX   say my payments were 120 days late and this isnt true. I have been disputing this for over a year now even XXXXXXXX XXXX  got involved and they wont budge. There was a natural disaster in XX/XX/XXXX. The rep then told me I would be on deferment until XXXX. He never notated and it caused problems. I didnt find out until XX/XX/XXXX and it made it look bad on my credit. XXXX I was attending XXXX XXXX online and withdrew in XXXX due to not having enough funds. I should have been on in in school deferment for those months yet the school forgot to report it. This is outrageous and I just want this to get cleared up with all credit beauraus. With XXXX it shows natural disaster and deferment. As of now Im on a XXXX repayment plan. Pleas help me fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: CA

Complaint narrative:
I received a collection notice from Total Card Inc. in XXXX XXXX, South Dakota stating that they are acting on behalf of a now defunct credit card issuer XXXX XXXX XXXX. They claim that they are trying to collect on a debt I incurred using the XXXX card and offer to, and I paraphrase, resolve this debt for pennies on the dollar, potentially saving me {$1800.00}! I've never had an XXXX credit card, I had never heard of XXXX until today, and I carry no credit card debt. 

I was going to contact TCI today but decided I should hold off since by contacting them they are alerted that I'm a bonafide person which might initiate additional credit scams. 

Not sure what steps to take next. I would greatly appreciate any assistance or suggestions. Thanks for your time and thoughts! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened my Citi Bank XXXX XXXX in XXXX. I was a Platinum card holder never missing a payment in over 30 years. For thirty years, I have been a loyal faithful customer always paying on time. I was sent a letter closing my account with no notice. My card was supposed to expire in XXXX. I had no notice other than a cancellation notice. I contacted Citi Bank who connected me to an off shore call center. They did not care that I was a loyal customer for 30 years. They did not care that my credit rating was over 800. Due to the fact I have been a thirty year credit card customer, I had a substantial credit rewards in the thousands of unclaimed points. It was worth a lot of money of unclaimed rewards for discounts at restaurants and stores. I was laid off 3 years ago and have had to cut back on my spending. I have kept my spending in check since I no longer work and on a very limited fixed income. I was told that because I did not use their Citi Bank XXXXXXXX XXXX I was being cancelled by the company. They did not care that I lost thousands of credit rewards points or that my cancelling my card I have had for thirty years that my Credit Rating Score go down since I opened the card in XXXX. 
I told them I was filing a complaint with the Federal Trade Commission and Citi Bank could have cared less as they seemed not to respect the FTC. I want to be reinstated with all of my unclaimed credit rewards points reinstated after 30 years as a customer.

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 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I love to use the app XXXX, which rewards users for sharing their credit card history, and recently it has stopped working for me. When I asked about it, they let me know it was because of a decision by Capital One. 


Below is an email that I received from XXXX that may help clarify. 


We just wanted to loop you in on the Capital One delays our service providers are experiencing! 

They've let us know that Capital One has recently begun blocking customers ' access to their own data through third parties ( this being our providers - XXXX ). But the good news is that you have the right to access your financial data and can take action!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX County in XX/XX/2017. I have made multiple attempt to contact XXXX XXXX and have made multiple attempts to retrieve information from XXXX XXXX   in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at XXXXXXXX XXXX, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. XXXXXXXX XXXX has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

XXXX XXXX has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact XXXXXXXX XXXX   to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with XXXX XXXX indicating that I should not be held accountable for the loan. XXXX XXXX may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to XXXX XXXX negligence in this matter my reputation has also been damaged. XXXX XXXX performance deficiency has caused additional damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank card was used to buy a {$100.00} gift card without my authorization : XX/XX/16 XXXX XXXX- XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX- XXXX XXXX XXXX CA 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 2018-07-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2018 I notified Experian of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Experian submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by a third party company. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Experian claims to have verified. 
After receiving the verification from Experian, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Experian 's assertion that the public records were verified is dishonest.

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