vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I have been getting calls from Midland Credit Management for over a year, about the time I have had this number. They ask for a XXXX, who I have stated hundreds of times by now, that I am not. They have said, would put me on a no contact list, which is an obvious lie. They have called me twice today alone. I got tired and called back today, it took me a total of 5 phone calls, with numerous call time totals ; I had to ask to speak to a Manager. To whom I complained about his agents handle on the call, and the fact that theyve been calling me for over a year and have said I 'm not getting called again. I will be more than happy to ask for my phone records from the company that gives me service, if you need proof. But I ca n't deal with this harassment to debt that is n't even mine. I went as far as checking my credit just to double check I do n't owe them anything, and I told them about credit check ( on their recorded line! ) They continue to ignore me, I understand that XXXX is a female and so am I. But my name is XXXX XXXX!!! I 'm tired of this, and they do n't have the right to continue to do this to me!!! I am actually working on fixing my credit, and seriously this is putting a dent in my own progress. Wasting my time, patience, and not making me have belief that other creditors are even willing to help, let alone be nice and cordial on the phone. The sad part is I have been a collector, and would never treat anyone that calls me this way ; hence why I was top collector for my campaign.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This complaint is a follow-up to # XXXX. Amex 's Underwriter demanded earning income from my wife and I, and stated that he would close my account if I did not comply. I clearly stated that my wife and I file incomes together and she is not on my account. I also provided CFPB complaint documentation on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX was investigated by the FBI and found to have forged my signature and documents. These two companies have harmed my credit and I am seeking damages. I have retained the services of an attorney but my credit has been destroyed. XXXX XXXX XXXX filed false credit information which has affected my credit. Amex did submit a letter dated XXXX XXXX, 2017 which I had never seen nor had knowledge of. Based the actions of Amex I was coerced into canceling my Gold Card of 15 years. I had never missed a payment nor had I been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On X/XX/17 my friend wired {$2000.00} through Western Union to me from XXXX XXXX, XXXX XXXX. I made every attempt to locate the funds at various Western Union locations but they would not tell me where I could pick the funds up, only that they were not at their location. ( My local Western Union had just closed down ). Finally, I called Western Union headquarters and was told the funds were returned to sender. When my friend tried to pick them back up they Claim they have no record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian Credit Report shows a hard inquiry from XXXX XXXX in XX/XX/XXXX. I know for a fact that I have n't authorized anyone to pull my credit since XX/XX/XXXX. Contacted Experian and they said I have to contact the company directly. Called the number listed on the Experian report and the number is disconnected. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Rushmore Loan Management Services is refusing to participate in a Short Sale proceeding with no explanation as to why. 
They originally denied the offer and gave an amount. The amount was met and still they waiting months to deny the offer with NO further explanation. 
The contact at Rushmore ( XXXX XXXX ) stated that the investor has refused to go any further with negotiations and no additional contact has been made except more generic denial letters and offer to take the home in a deed in lieu or other programs. I do not trust that any of the programs they offer actually work for the consumer as they are not answering calls or giving any explanations once they give a flat out NO. 
I can not afford this mortgage anymore and have a buyer willing to negotiate and did increase to the demand for the amount Rushmore stated. Once they got the offer they refused to go any further and now my house may foreclose. Which appears to be their goal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: American First Finance, Inc.
State: MO

Complaint narrative:
We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in  XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.

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 2017-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
A few weeks ago I received a summons from Outsource Receivables Management, a company I 've never head of. I tried contacting them but they never returned any of my calls. After doing some research I found they were trying to collect for XXXX XXXX Clinic. I contacted them directly and made a verbal agreement to make payments directly to them ( which I have been doing ) On XXXX XXXX, 2017 I received a notice of judgment for $ 1600+ from Outsource Receivables Management. My biggest complaint is that I never received any notice of collections from this company. This is not a legal practice. And I have made arrangements from with the original debtor and have paid half of the original balance of {$960.00} down to {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, my husband made a check deposited to my business account at the Wells Fargo branch located XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The check were payable to my business account XXXX XXXX XXXX, while the teller were busy talking to her co-worker, she deposited to the wrong account under the name XXXX XXXX XXXX. By the time my husband get home, he realized it was the wrong account that she deposited, he called and spoke to the branch manager, XXXX, she said she will take care of it. We also told her that we wrote a check to our employee, please make sure this check will not bounce. On XX/XX/XXXX, we were charged for non-sufficient fund and the check wrote to my employee were bounce. This mistake is unacceptable and it does affect my business and my company reputation

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 monetary relief
Consumer complaint received 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XX/XX/2017 TIME XXXX I CALLED TRANSUNION CREDIT BUREAU ABOUT FRAUDULENT INQUIRIES IN THE Account Review Inquiries AREA. I SPOKE TO XXXX XXXX IN THE FRAUD SPECIAL HANDLING DEPARTMENT. I LET HER KNOW THE FRAUDULENT INQUIRIES AND THE AREA OF THE INQUIRIES SHE STATED FIVE DIFFERENT TIME SHE CAN NOT DISPUTE INQUIRIES IN THIS AREA, I KNEW THAT WAS NOT THE TRUTH. I GAVE XXXX XXXX FIVE DIFFERENT TIMES TO CHANGE HER STORY SHE PUT ME ON HOLD FOR 15 MINS.  AND CAME BACK AND SAID HER SUPERVISOR IS GOING TO LET HER DO IT. XXXX XXXX IS IN VIOLATION OF 15 U.S. 1692 FALSE OR MISLEADING REPRESENTATIONS, AND 15 U.S. 1681-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERROR. I STATED TO XXXX XXXX THAT THESE INQUIRIES ARE FRAUD.

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 2017-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLG LLC
State: MD

Complaint narrative:
I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with DLG collections was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting and attempting to collect on a debt that is not valid and that I do not owe. It is for an erroneous day care bill. I paid for my kids day care and was never one time late. I advised them I was needing to remove my kids and they advised me the only person who could cancel services was the owner who was out of town, they are always out of town for weeks at a time. I was paid up and cancelled. I do n't even know what this is and nobody at XXXX XXXX ( the  original creditor ) will help me and Knight Adjustment wo n't help either. This is not my debt, its not valid and it needs to be deleted & cease collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello $ XXXX+ATM Fees {$2.00} Plus {$25.00} Gas Was Stolen Out My Account I 've Been Scammed Also With A XXXX Check That Whoever Rried To Deposit In My Account {$400.00} XXXX XXXX XXXX XX/XX/XXXX At XXXX {$25.00} Gas At XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XX/XX/XXXXXXXX I 'm With Simple Bank BBVA Compass

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
I pulled my XXXX Credit report on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX to update and correct my personal information. One of the things I was seeking to correct was a misspelling of my maiden last name, listed on my report as XXXX. My maiden last name is correctly spelled XXXX. I was informed I could not remove this misspelling because it was tied to an account being reported by Diversified Consultants. I informed the rep that I have not ever conducted any business under the last name of XXXX and this has never been my name. She initiated a dispute at this time. On XX/XX/XXXX I received an email stating the results of my dispute were in. This account came back as verified. I was provided with no information as to how this account was verified. How can an account be verified under a name that is not mines? I have conducted no business under this name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is not valid. XXXX is the original creditor and they do not provide the services as promised. I have spoken with my attorney and the next correspondence will be from him. I do not owe this debt and am ready to take legal action against both companies.

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 2017-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with XXXX XXXX was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I acquired a pre-paid secured credit card with a deposit of {$400.00} with bank of America in 2008. Currently this card is paid off with XXXX balance and this account has been closed for 7 years, but they keep reporting it to the credit bureaus. I want this account to be removed from my credit report. I believe that Bank of America is not suppose to provide information to credit bureaus for pre-paid credit cards and Washington State statute of limitations also restricts the time period to six years, if any. 

I would appreciate any help or advice on how to stop Bank of America from reporting this account to credit bureaus.

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 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
XXXX XXXX XXXX has posted the same debt twice on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, American Honda, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I believe after much research this has to stop. Upon reading I feel so bad for these peoples families that have been financially crippled.. they are either hacking into the government system or they are paying people ( MOLES ) that work in these Banks to look people 's information up and supply them to Pressler and Pressler.  There is absolutely NO WAY, they could get your personal information. 
Judgements are being placed against consumers without them knowing, I would sware o the XXXX I do n't know what it is, they are levying, garnishing wages its terrible without any fair notice and its out of control. They are trying to garnish wages ... the funny thing is, when you try to get information from them about the debt, where it 's from ... they give you no information. They are and we will get it from you. its truly amazing this is where we stand together : 1st sign this Petition against them : XXXX XXXX XXXX 2nd file a complaint with the Attorney General 's Office, do a search for your state and file a complaint.
3rd file a complaint with the FTC : http : //www.ftc.govXXXX 4th file a complaint with the BBB : o information on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting a recent late payment when we were not late. We made the payment over the phone before the due date, got confirmation of the payment as well. 
They are the ones who made the mistake and they have promised me it would be fixed and they have not fixed it yet.

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 2017-11-15 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: NC

Complaint narrative:
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, capital one auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a checking account with Citizen 's account for over 25 years and to assist my daughter 's college endeavor, I took out a Home Equity Line of Credit ( HELOC ). It was paid by auto-withdraw b the Bank every month for which I have statements from my checking account # XXXX which the bank did illegal activities i.e. not ever providing me with a statement, therefore, I may NOT owe anything anymore!!!? They REPORTED ME FRAUDULENTLY AND  MALICIOUSLY TO THR CREDIT BUREAU AS NON- payment giving me a bad credit score!!!! 
Now, I call the Bank and am told that I do not have a HELOC which is leading me to wonder WHY did the Bank report me and XXXX XXXX from the Office of the Chairman wrote that I paid late there ( 3 ) months in 2015 and provided me with a phone # to contact her if I have questions yet I called over TWO DOZEN TIMES to no avail?! I want the fraudulent/malicious report to the Credit Bureaus REMOVED and the paperwork/statements of my HELOC which the Bank tells me I DO NOT HAVE?!?!?! Copies of my bank statements can be provided if/when necessary as I do not know how to attach or make copies of 25 or the many pages as I am not working in the professional capacity set up for secretarial circumstances but I do have my checking account XXXX statements reflecting withdraw of money to my HELOC.

Company response to consumer: Closed with explanation