vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 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: VA

Complaint narrative:
It was brought to my attention when pulling my 3 credit bureau reports that I had an account with XXXX XXXX. I contacted them on many occasions and ask for proof that this indeed was my account and was told they only had the last 4 digits of my social, my phone number and address provided to them when the account was purchased from the claimed original debtor. I informed them they would need to provide me with legitimate proof that this was me. I began to dispute this account on my credit and it was removed by XXXX  due to no proof of ownership but XXXX and XXXX have chose not to follow suit. I researched and found out that XXXX XXXX has a terrible tract record for their collections tactics. The following is a copy of the letter I sent to the 3 credit bureaus. 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 violates consumer rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. On several different occasions I have asked Midland to provide me with documentation that the account is indeed correct and have been told by a supervisor there that it was provided once many years ago ( I never requested it and this account is due to be removed in XX/XX/2019 I believe ) and they would not send it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: GA

Complaint narrative:
I called Capital One about credit cards that they put on a restricted status late last year in XX/XX/XXXX due to them being concerned with authorized users that i had put onto a couple of my cards to help some relocated church members to reestablish their credit when they were displaced by storms. 
We were told that we had to send in documents which we did and that they did not take as proof of who we were. 
i am now trying to close these accounts and this was refused to me by an employee named XXXX employee ID XXXX. 
I also found out that i had a balance of {$3.00} owed on one of my cards that she said was accrued interest after we had paid to a XXXX  balance? 
I also have been charged the following card annual fees on three cards that i have been unable to use and which i should not have been charged. 
Card ending in XXXX {$39.00} XX/XX/XXXX XXXX {$39.00} XX/XX/XXXX XXXX {$59.00} XX/XX/XXXX. These should be returned to me along with any other charges i was charged for an account that am not able to use. We have never been late on a payment to Capital One or any other credit card company in 20+ years so this is not fair and i consider it highly abusive practice toward my wife and I by a big bank. I also think that they have possibly done this due to me being of XXXX heritage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I called and wrote to this collection company representing XXXX XXXX XXXX XXXX. 
I sent all my medical insurance Ids. I ask for a break down of the billing. receipt of payments from whom balances. I wish to pay for the correct amount. Need to know in clear written language who owes what ... I am not a accountant and cant read all these scribbled notes. 
Perferred Collection and Management services Tel XXXX Reference # XXXX Client Acct Number XXXX Amount Due {$81.00} DISPUTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
I have made several attempts to reach out to the debt collector and notify them that the debt they are listing is not a valid debt. They are attempting to collect a debt for XXXX, but I have never had an account with XXXX. If necessary, I am prepared to file a police report, as this may be identify thief. Each time I've called they have been extremely rude and have refused to provide any documentation related to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Account is currently paid off as of XX/XX/2018 never late. There was a recent report of a delinquency that needs to be removed immediately!

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 2018-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PR

Complaint narrative:
I am a Puerto Rico resident trying to receive an important information needed by XXXX XXXX XXXX  XXXX XXXX XXXX, in XXXX XXXX, in order to receive my payment taxes reimbursement. The form No. XXXX, has an incorrect information in the elecronic filing confirmation Number. 

I had contact the company many times requesting this important information with no positive response. I also sent a letter dated XX/XX/2018, but as today, no action has been taken to process my request.

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 2018-09-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Got a copy of my credit report and it shows Chase was 180 days late. This was part of a loan modification in which has now been made current but is not reflected on my credit report. This needs to be updated. 

Also Chase was a second line of credit which was settled and is reflected on the credit report but should have been removed from the report by now. The account was settled back in XX/XX/XXXX. 

Last in XX/XX/XXXX XXXX credit card shows a 30 day late payment. This was due to a mistake on XXXX  who sent my bill to the wrong location. The bill was paid and i was told it would not be reflected on my credit report but it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: OH

Complaint narrative:
A man named XXXX called my company and said he was with XXXX XXXX XXXX and was trying to collect a debt on behalf of XXXX XXXX ( an advertising agency we use ). He said our company owed {$680.00}. I told him I would look into the matter and call him back. He told me to call him at XXXX. After finding that all invoices had been paid and all checks had cleared, I got suspicious and XXXX  the phone number. I saw that others had reported it as spam and even mentioned a XXXX calling them. 

I then XXXX XXXX XXXX XXXX and called the phone number listed on their website. I was told they do handle XXXX XXXX 's accounts and put me in touch with a representative named XXXX. She said our only balance with XXXX XXXX is {$190.00} and that it is still current. I asked if a XXXX worked for them and she told me there was a XXXX there but she didn't know why he would have contacted me about a past due balance. 

I do not feel that XXXX XXXX XXXX has done anything wrong, but that someone is using their business name to get credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander has reported information on all 3 credit reports that was supposed to be removed XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is constantly sending threatening collection letters to me and recently sent one to my son regarding a debt owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this debt to MCM- I will not pay or negotiate with them. They shared my personal information with someone other than myself which violates collections laws.

I want this account removed from MCM and from my credit reports immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
My mortgage was being serviced by XXXX XXXX. When I logged in to my account to pay my XXXX payment, I learned my mortgage was no longer being managed by XXXX XXXX, and was now being managed by Volunteer Mortgage Loan Servicing. Neither servicing manager sent me notification that the mortgage changed hands. I've tried consistently to contact someone with Volunteer Mortgage Loan Servicing. After several attempts, and leaving several messages, I was able to reach a gentleman that provided me with an account number and instructions to make the payment online. I've tried doing that multiple times, but have been unsuccessful due my account be locked. I've since tried contacting Volunteer Mortgage Loan Servicing, but to no avail. I've left messages, and today someone finally returned my call. Volunteer Mortgage Loan Servicing is now refusing to accept my XXXX mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: DISCOVER BANK
State: IL

Complaint narrative:
upon checking my credit report it was brung to my attention i have a account with discover upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I filed a recent complaint with Citicards regarding this exact issue. I have not been able to use my card ending in XXXX for over a month now. Citibank told the CFPB that the card was able to be used near the end of XXXX. That is a lie. 

When I log into my account at citibank.com, there is still a notice that displays immediately : " We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department at XXXX ( TTY : XXXX ) '' When I attempted to use the card on XX/XX/18 it was DECLINED. Citibank has done NOTHING to resolve this issue.

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 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
re : : XXXX XXXXXX/XX/XXXX Trustee for XXXXXXXX XXXX-OP1 Series Mortgage Pass through certificate ( Foreclosure scheduled XX/XX/2018 ) SPS Servicing Account # : : XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Please note that we submitted the following complaints ( listed below ) against XXXX XXXX, XXXX of which we have received multiple follow up emails from cfpb indicating that XXXX XXXX is still working on responses to our complaints. while we await formal response to our concerns from wells fargo, we request. that they cancel the upcoming foreclosure ( XX/XX/2018 at XXXX ET ) on our home. 

The previous complaints filed with XXXX XXXX, that XXXX XXXX has indicated they are still reasearching are as follows ; XXXX : : XXXX XXXX working on response as of XX/XX/18 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with Equifax, but they came back saying XXXX XXXX XXXX / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One refuse to remove a late payment due to there fault. About XX/XX/2017, Florida was face with Hurricane Irma. I was with out power for 10 days in state of emergency after the storm. Once I got power back up and running, I checked my email and settled all my accounts. Capital One failed to send a statement via mail or electronically. I notify them once I saw my statement the following month, which I had received a 30 day late note. I ask them to remove the late payment, I ask them for proof of sending the statement electronically or via regular mail. They refused. An associate stated to me that they are not responsible for mail service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 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: IL

Complaint narrative:
upon checking my credit report it was brung to my attention i have a account with XXXX upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user

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 2018-09-12 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: REGIONS FINANCIAL CORPORATION
State: UT

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hacked and fraudulent charges incurred on my card I confirmed and reported the fraud immediately and filed a dispute Waystar denied me protection from the fraudulent charges on the grounds of the Business 10 card rule https : //www.consumerfinance.govXXXX XXXX XXXX apparently they are using this loop hole to get out of paying these fraudulent charges I have had my CC hacked in the past several times I reported it or they notified me CC was blocked They took care of it but this time i was denied protection because of this 10 card rule so far they have not shown me this 10 card rule in there terms and conditions only give me the above link to the fed statute any help in this matter would be greatly appreciated XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
I have tried on several occasions to dispute a debt with Bloomingdales/XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email. I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.

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 2018-09-12 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am in XXXX this is the reason why my loans was paid-off or clear by the department of Social Security on XX/XX/2018. I was checking my credit report to see that reflected, since the Social Security department notify me about that, then it supposed to be clear by then right but for some reason the same day it was closes the same day they reopen or duplicate the same loans. I contact the Social Security and they told me to try to call this company " NELNET '', but I was not able to open my account with them since I do not have any loan. I called them and they said they do not have idea. My credit score shows I still owe them when obviously I am not. It is not fear they are try to charge me again just to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
This is compliant is about about the unscrupulous business practices of XXXX XXXX / XXXX XXXX who contracted a collection agency to collect a debt that I repeatedly contended was not opened by me. The collection agency finally acknowledged that they were unable to validate this alleged debt and therefore removed the entries from my credit report ; however XXXX XXXX XXXX XXXX XXXX continues to report this on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX / XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the collection agency but still have yet to receive this information. XXXX XXXX / XXXX XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX have been deleted.

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