vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 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: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Said company is Transworld. 
They call repeatedly-daily even after being told to STOP!!!!! They called me last night from a new number at XXXX central time. 
( XXXX ) XXXX XXXX ) XXXX These two numbers. And if I block them they call from a new number. 
I dont owe them I owe the original creditor, who wrote said debt off. I have told them to mail notices-they do that WEEKLY!!! So whether its via phone or by mail they HARRASS by repeating!! 
I just got an explanation of benefits from my insurance and it appears that I also owe less than what they are trying to collect on. 
They have been harassing me for weeks. I answered the phone one time in the last ten days and when I started talking they were wadding up paper of some kind and acting like they couldnt hear me. 
Again it needs to STOP! 
If I had {$200.00} to pay XXXX XXXX XXXX I would I sure as heck aint gon na pay transworld. Ill pay XXXX directly!!!! 
Make them stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Yesterday, I received in the U.S. mail my " Free '' annual credit report from " Equifax '' dated " XX/XX/2018. '' On " Page 12 of 54 '' under the " Previous Addresses '' section, it STILL lists that I once lived at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, MN ; XXXX ; Reported XX/XX/2018. '' I have NEVER lived in Minnesota. 
" Equifax '' has STILL refused to take this false " Identity Theft '' Minnesota OFF of my " Equifax '' credit file that I first noticed and first also reported it to " Equifax '' about 4 years ago!!! 

" XXXX '' and " XXXX '' has NEVER listed this " Identity Theft '' Minnesota address on my credit files with those 2 GREAT credit reporting agencies. 

Which tells me that " Equifax '' must have a dirty employee at their company who is on the payroll of this Minnesota " Identity Theft '' crime ring. 
This is my 8th time in 4 years of complaining about this " Equifax '' mistake!!! And each time " Equifax '' takes OFF this false Minnesota Identity Theft address after I complain about it to the U.S. CFPB. But a few months later, " Equifax '' places this false Minnesota Identity Theft address BACK ONTO my " Equifax '' credit report until I catch THEIR mistake AGAIN usually in the FALL when I request for my " Free '' credit reports!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXXSeterus purchased and enforced a forced place insurance policy on XXXX XXXX XXXX XXXX without notice and while the property was under a federal stay. The XXXX had insurance on file in the case documents for the property with the bankruptcy court at the time of the placement. This illegal creation of the escrow account for forced place insurance in XX/XX/XXXX lead Seterus to pay off one of the Debtors tax plan agreements in XX/XX/2013. The XXXX XXXX XXXX XXXX treasure had agreed on plan and this payment plan was part of the Debtors confirmed bankruptcy plan in the amount of {$1500.00}. Seterus then added the tax plan balance to the illegal insurance escrow balance and began trying to collect from the debtor. Seterus was notified by the debtor that these actions were illegal in XX/XX/XXXX. The XXXX refused to pay the added illegal expense. Seterus raised the monthly payment to force the Debtor to pay the added bill or face foreclosure action. I have enclosed a Conditional stay of relief as a exhibit. Seterus will state that because of this relief they had the right to insure this is not true for two reasons. 1 the insurance predates the file date of the relief. 2. I had insurance on file with the court. Seterus just flat out violated my bankruptcy plan by paying off my tax plan and billing me the balance at a shorter term. Seterus needs to recognize what they have done and correct the loan back to the improper insurance XX/XX/XXXX. Seterus has been avoiding sending back a answer though the CFPB because the company has violated my bankruptcy rights and the FDCPA by trying to collect bankruptcy XXXX debt along with insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I applied for a refinance of my home mortgage with XXXX XXXX ( XXXX ). They are not the problem, instead my second mortgage, originally with XXXX, now with Select Portfolio Services ( SPS ), has been a major problem. In order to refinance My second mortgage company had to agree to be the subordinate mortgage. That is where the problem began. It has been three ( 3 ) months and after constant contact by me and my representatives at XXXX and they still have not agreed to be subordinate. I have written letters allowing them to contact XXXX and have called to let them know I am unhappy with their incompetence. They kept saying it is in review and it may take 5 days. I spoke to a supervisor on XX/XX/XXXX and she said she would set up the process. Still no answer as of this complaint. Do to SPS 's incompetence I have lost the ability to lessen my term and take advantage of HARP. Additionally I was forced by SPS 's inaction to incur a fee of {$2000.00} to lock in the rate I applied for in June.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for 2 accounts on my report. XXXX XXXX  was the original creditor for both accounts ( XXXX XXXX XXXXt and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: DC

Complaint narrative:
Back onXX/XX/2017 i submitted a complaint with CFPB in regards to my the invalid debt of the account associated with Hunter Warfield. They corrected the debt owed reporting to the 3 credit bureaus. As of today, they are incorporating interest on a debt that has a firm amount owed in which it is XXXX. The other account with XXXX XXXX is currently at {$830.00}, which is still stating I owe {$1000.00}, which is being reported. I came to a monthly agreement on a 24 month payment plan in the amount of XXXX, until debt is satisfied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.

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 2018-09-25 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called Portfolio Recovery Associates. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XX/XX/18 received letter from XXXX stating my card # XXXX which never had a late payment was being closed because they did not have a physical address for me.The phone # ( XXXX ) they used to contact me was temporarily not viable because I had moved, the # is now active .I called the XXXX bank and spoke with mangager XXXX on XX/XX/18 about closing the card she was very rude and unhelpful.They could have contacted me by mail but went right to cancellationI 've had the card for years with no problem all that time they did not have a physical address.My main concern is that this cancellation will negatively affect my credit.I 've been a very good customer for years if they don't want my business that's fine but having a negative issue on my credit rating for no good reason is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Have been called over 10 times a day from different numbers but all are the same company as they are attempting to mask who they are. They are advising to have a representing attorney contact them to resolve the matter or they will escalate further. Which feels like they are harrassing/threatening me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: AES/PHEAA
State: MI

Complaint narrative:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received a phone call this morning on my land line that I let roll over to my voice mail on my answering machine because I didn't recognize the number. The number showing was from XXXX, VA : XXXX. She said the call was from Transworld Systems , Inc., a debt collector company. She said to call XXXX XXXX (? XXXX XXXX at XXXX and gave me a code number to use : XXXX. Since then she is trying to reach me on my cell phone. I believe this is a scam, I am elderly and have no outstanding debts and have never had any. Can you very that this is a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: CITIBANK, N.A.
State: SC

Complaint narrative:
First, please see complain # XXXX -- XXXX, to which company replied with an unsatisfactory letter, dated XXXX XXXX, and refused to provide requested interest rate information and on how a refund on one account ( XXXX ) was calculated and what the calculation was on another account ( XXXX ), for which no refund was offered. 

Without the requested info, customers and maybe even the CFPB, are not able to determine if company responded properly.

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 2018-09-25 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: FL

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX in which they claim to have reviewed their records and refused to remove from my record derogatory information they provided the credit bureaus. This in spite of records from my bank statements listing dates of payment that show I have never been late with my payments due on the XXXX of each month. I also provided to them the court document showing payments for the automobile in question were never part of a Chapter XXXX as they reported. ( see attachments ).  Consequently, I must now ask my attorney for legal advice on how to proceed.

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 2018-09-25 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
In XXXX of 2016 we were in a no-fault traffic accident in our vehicle which was declared a total loss. My insurance company paid off the majority of the loan ( approx $ XXXX XXXX and it took a couple more weeks for the gap insurance to pay the remaining balance. Once the gap insurance paid the remaining balance, there was approx {$1100.00} left over. We were 60 days late paying this and requested assistance from their XXXX department but was blown off and made it too difficult to contact back. We paid off every penny within a couple months of the accident but this was reported as being written off as a repossession. I disputed this with XXXX ( # XXXX XXXX but now it still shows that $ 600+ was written off and thats how they reported it. We sent this payment then found out after the fact themat they wrote it off. I dont know if they reported the entire amount to the XXXX as a credit but this is wrong. I am unable to purchase a vehicle because the banks look at this as a repo. I have called and asked them for a payment history but I have still not received it.

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 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a letter for {$5600.00} on a debt that is over 8 years old and claims that XXXX XXXX is the current creditor in which there both debt collectors trying to claim or retain debt not owed and sending letters for a debt not valid. All these years XXXX XXXX XXXX nor XXXX XXXX has never sent any form of any such debt. And trying to collect interest for all the years with no notice of any such kind. If they like we can take it to court and they can explain why there has or was any attempt in all these years to try to collect a debt with interest. That's there negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
On XX/XX/2018, I was notified by XXXX XXXX, a credit monitoring company, that I had a debt that went into collections. At complete disbelief, I went to check out what this debt was in regards to. It was a collections from a company called " Miramed Revenue Group ''. On XX/XX/2018 I had called Miramed to find out what this debt was for. They refused to validate the debt or tell me any information as to why this was sent to collections. I wasn't going to pay on a debt I had no idea what I was paying for, or be scammed not knowing if it was even for me or valid of me to pay, let alone even notified for. I was never once notified of an outstanding debt or sent an invoice or even notification that I was going into collections. I found out the debt went into collections in XXXX for {$150.00}. I still wanted to see an invoice to see who I was paying or what I was paying for. I never received any of that. The collections agent said I couldn't get any written validation of the debt and I couldn't dispute the debt. How am I supposed to know what I am paying for?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX was tasked with comparing and contrasting XXXX reports. XXXX XXXX CONFIRMED IN WRITING that it failed to compare and contrast the XXXX reports. 

Upon receipt of the very first fraudulent bill, XXXX XXXX headquarters was called. A XXXX representative stated that the fraudulent bill would never be sent again and that the fraudulent balance would be brought to {$0.00}. 

Subsequently, CMRE delivered a collection notice on the fraudulent account XX/XX/2018. On the very day that fraudulent notice was received, a dispute was delivered to CMRE via both mail and fax. On XX/XX/2018, CMRE ignored that dispute, failed to even attempt to validate the fraudulent claim made by XXXX XXXX and attempted to collect on the fraudulent claim. 

This illegal tactic was again attempted on XX/XX/2018, when I phoned CMRE to remind the company that it failed to validate the fraudulent claim made by XXXX XXXX. During that call, I notified the collector that this complaint would be filed. His response was " Do what you have to do. ''

Company response to consumer: Closed with explanation