vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The amount is XXXX This company calls my work phone daily very rude and harassing me.This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. 

They have also hit my credit report over and over. Very rude people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I've disputed info several times, sent documentation and I am tired! Why do we allow these creditors to do this with no actions back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Today, I received a loan modification application in the mail today. I am being told differnt things by different people. Because this application was sent to me after being told that I don't qualify for assistance, I will assume that something changed on your end. Nevertheless, I will complete it. I have decided to hire an attorney for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I am a victim of a catfish scam and my information was compromised after I opened a photo that was sent to me, which contained a virus that copied information off my cell phone. This information was used to open a credit card account in my name with Navy FCU on XX/XX/2019. The credit with a {$25000.00} credit limit was maxed out with one month with purchases and cash advances. I contacted the Navy FCU to dispute the fraudulent account. They conducted their investigation and told me that I am liable for the charges because I gave authorization to a romantic partner. I explained that I did not give authorization to anyone and that my information was compromised due to malicious software. Navy FCU refuses to disclose to me the process the account was established and documentation showing how the account was established. I am frustrated and I am feeling victimized all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XXXX I had XXXX in my checking account before a transaction processed for XXXX for {$15.00}. Afterwards I had {$5.00} in my account. I withdrew {$140.00} and that over drew my account. On XXXX XXXX I was charged two {$36.00} overdraft fees. Then a transaction went through for XXXX XXXX for {$19.00}. On XX/XX/XXXX I was charged another overdraft fee for {$36.00}. I have made several attempts to resolve this issue over the phone and through the member message center but I was told that the XXXX XXXX  transaction was processing when the XXXX charge went through so they charged me an overdraft fee for the XXXX charge and the withdraw. Then when the XXXX XXXX payment processed they charged me another overdraft fee for it. I had enough money in my account to cover either the XXXX transaction or the XXXX XXXX transaction but since XXXX XXXX was pending when the XXXX Charge went through I was charged an overdraft fee for both transactions plus the withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And Experian. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I have been disputing with a collection agency by the name of Ability Recovery Services that has reported a bill in the amount of {$870.00} to the credit bureaus that is inaccurate. The company was contacted numerous times in writing and by telephone. I had submitted certified letters to the company dating XX/XX/2019, XX/XX/2019, and XX/XX/2019 and the company has refused to reply to any of the correspondence within 30, 60, and now 90 days.

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ability Recovery Services. And if this is a medical account, I have requested a copy of any HIPAA authorization that was allegedly provided by me.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Ability Recovery Services can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2019 1 I sent a letter with verifying information of my identity to experian to release a credit freeze on my name and account number and they have sent a letter saying to continue the freeze send further information I want the freeze released lifted theres no way to contact them by phone

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 2019-10-15 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
You are reporting inaccurate information on my credit reports you are to correct that information at once or be sued. you are reporting my account status as derogatory when in fact the account status is sold and charged off your are reporting my payment history as in collections/charged off as per 611 FCRA dispute you are to show me proof that my payment status has a collection on it did you send my account to collections after you sold it that is inaccurate reporting so me proof that a account you don't own can be derogatory you don't own it to report it that way. you have as 90 days late 11 times you are to proof that I'm 90 days late after you closed the account XX/XX/2018 and charge off XX/XX/XXXX. 
I have sent a request to the IRS to investigate why you let my account go 90 days late 11 times before you closed and charged off the account that's is what you are reporting .In the United States , Federal regulations require creditors to charge-off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days. a complaint has been filed with NYS Office of the Attorney general consumer affairs XXXX and NYS dept of consumer protection and the Dept of state

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And XXXX. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on Equifax And XXXX. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV

Complaint narrative:
XXXX XXXX harassment : I am in the process of appealing a medical debt with my provider, and have informed the collection agency for the hospital of this process ; including sending them a copy of the appeal letter and time-frame. i have also hired an attorney and have requested they contact my attorney going forward. They continue to call me repeatedly. Further, They are now calling me to harass me about my spouse 's income and have blatantly said " Your wife probably makes enough to take care of this. Where does she work, her name, last 4 of social security. '' They also have acted like they are calling from the hospital billing department and have said they work for the hospital when I asked them to identify them self. They refuse to listen when I have requested they do not call during work hours, and always call while I am working.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
All three credit reporting companies are reporting my last car payment to TD Auto reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit scorXXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have disputed file with FTC, creditor will not reply .... I am trying to buy a house this is holding me up ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Please remove these asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have requested a simple VOM ( verification of mortgage ) document be completed by my mortgage lender, Shellpoint Loan Servicing, but they do not respond which is causing my new mortgage company to delay submitting loan to underwriting. I have emailed, phone, sent written signed authorization requesting the form be completed and for them to speak with my new mortgage company officer about any questions but continue to refuse to do so. The delay is causing me loss of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CURO Intermediate Holdings
State: NV

Complaint narrative:
I have pulled a copy of my XXXX  credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is XXXX MANAGEMENT. I shows two different dates of XX/XX/18 and XX/XX/18. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I received a check from my mortgage refinance to pay off my American express personal loan. The check was drawn by my title company and addressed to American express loan with my name and account number as the remitter. American express received this check and credited my account on XX/XX/2019. They credited the account the amount of {$20000.00} however, I only owed {$20000.00} therefore having a {$640.00} overpayment on the loan. I called American Express on XX/XX/2019 to check on a refund check which I was told should have taken 7-10days after my payment was credited. The CS rep said he will file a case and have the money sent to me in another 7 days. I called back today XX/XX/2019 but was told they did generate a credit however on checking further my refund check was sent to the bank that issued their payoff check. American express does not have a relationship with my title company who issues their payoff check on my behalf. it was just ridiculous how the customer service rep could not understand how that is an error on their part. They sent a check out with zero information not knowing where it goes when they have my customer profile and correct address on file to issue a refund check. I asked for a resolution and that they expedite the refund to me. The supervisor I spoke to whose name and ID I wrote down seem extremely incompetent and doesn't know how to handle customer resolution. I would like my refund check back and like the process to be expedited since they will not be paying me interest for the days they are holding my finds. This has been the worst customer experience ever just to get my money back. I have been a loyal customer that made m payments monthly automatically. This is no way to be treated at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XX/XX/XXXX/XX/XX/XXXX this year. XXXX XXXX double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that XXXX XXXX is submitting to the three credit bureaus XX/XX/XXXX, XX/XX/XXXX, and Equifax. XXXX XXXX issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. XXXX XXXX is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, XXXX XXXX is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XX/XX/XXXXTax Return. This is a GROSS Negligence to continue to report this information as if it's active collections, currently past due completely ignoring the action that XXXX XXXX took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. XXXX 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!

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 2019-10-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Champion Mortgage - XXXX XXXX, XXXX executor There was application and reported grant of extension on HECM reverse mortgage. 
Mortgage company refuses to provide written confirmation. 
Referenced referral law firm voice mailbox full for last 2 days. 
As the mortgage company has already been caused to retract premature acceleration and foreclosure of note they can not be trusted. 
I am still getting 10+ calls per day and people are coming to my door. 
How do I get written confirmation? 
How do you stop solicitation regarding foreclosure? 
They have apparently published my home phone number as well as my address. 
Please advise.

Company response to consumer: Closed with explanation