vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sent letter certified to company they didnt reply back at all. Company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Letter sent certified on XX/XX/2018 current date XX/XX/2018. tracking number XXXX us postal service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Dear CFPB - I am resubmitting my complaint against SHELLPOINT MORTGAGE SERVICING. Please refer to closed complaint XXXX for additional history. Shellpoint Mortgage has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, Shellpoint transmitted an update to XXXX that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why Shellpoint refuses to update my XXXX from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates Shellpoint just recently updating my account status. This event update contradicts what Shellpoint Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that Shellpoint must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. Shellpoint 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with Shellpoint, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our mortgage loan is currently serviced by Chase Bank. The entire mortgage loan was discharged in a Chapter XXXX Bankruptcy. The mortgage statement shows that the mortgage note has been discharged in bankruptcy and a new mortgage note was never established. Collecting money on a discharged mortgage debt is a violation of the Federal Bankruptcy Code. Bankruptcy Courts may use their contempt power under Section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction.

[ 1 ] See XXXX XXXX v. Chase Bank USA N.A., Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXX ). 

[ 2 ] See XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXXXXXX4 ). 

The attached statement shows that there is {$580000.00} current principal due, but verbally Chase advised that {$670000.00} current principal due. There is also a deferred amount of {$92000.00} due and a capitalized interest balance of {$22000.00} due. Chase could not explain the accounting methods utilized on the statement. The lien position at the time of the bankruptcy discharge has not been disclosed. The loan modification that was executed shows an interest amount due of {$67000.00} and {$51000.00} in past due escrow. The interest due at the time of the modification was 18 months and escrow was listed as 60 months past due ( see attached ). This is mathematically impossible and Chase has not been able to explain the accounting. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXX XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Chase Bank also has an obligation to offer mortgage assistance per the CA Homeowners Bill of Rights. Chase Bank is in violation of both the XXXX XXXXXXXX XXXX  of XXXX and The CA Homeowners Bill of Rights. Overall the past loan modification has trapped me into a dire financial position for the long run, likely pushing me into foreclosure. Ultimately, I am trying to save my home and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This private student loan was signed for by my father thru my XXXX XXXX XXXX XXXX that became XXXX XXXX XXXX XXXX was shut down to fraud and embezzlement and they used XXXX as there bank source. I never signed the loan docs Wells Fargo has never provided anything showing my signature. My dad filed a chapter XXXX Wells Fargo fought discharge but again they lost and the debt was discharged at the end of the 13 5 years later. They willing took payments from him that was against the bankruptcy code. But now since the Bk court figured out what they were doing they are trying to make me responsible for a loan I never signed. They will not talk to me and refuse to provide any proof as there is non or its fraudulent. Again look at XXXX XXXX lawsuit remember XXXX XXXX was the same people from XXXX. Now Wells Fargo is distroying my credit. On a 13 year old loan that I never signed for never delt with never did anything with. There is only 2 months of pay history reported on the credit report. Like I just took this loan out and defaulted. Where is the other 12 years and 10 months of reporting history? You have not not been able to prove ownership yet you destroy my credit. Please remove this off all of my credit files at XXXX, XXXX XXXX and XXXX. I have received no notification on this loan of statements or delinquent notices. So again please remove all negitive credit reporting and remove the whole loan off my report as I never signed any paperwork to have any liability for this loan.

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 2018-09-26 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.

Complaint narrative:
I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please help.

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 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sterling Credit Corp.
State: AZ

Complaint narrative:
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX   ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. 

Settlement agreement for the amount of {$800.00} made between XXXX   XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. 

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. 

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. 

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXXXXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. 

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In the year 2013 my identity was stolen, unbeknownst to me, someone used my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to this company along with my tax return showing where I was residing when the account was opened ( copies attached ) via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY continues to report this invalid fraudulent account. I have attached the ID THEFT packet again with my police report, proof of address when account was opened and my proof of identity account # 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 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Certified letter requesting validation was sent to XXXX XXXX. 
C/o Resurgent Capital Services XXXX XXXX  XXXX XXXX, SC XXXX This is the collection agency for XXXX XXXX XXXX XXXX XXXX. 
I have not received anything in response. Also after looking on the State of Texas website, XXXX, Resurgent Capital Services or XXXX XXXXXXXX XXXX  are not listed as bonded in my state to collect debt. 
I am asking for this account to be removed from credit report with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My XXXX XXXX XXXX number is XXXX. We had earned 2 free night certificates through the Chase XXXX credit card. I had written down an expiration date of XX/XX/2018. We have booked a trip to XXXX and the last part was booking the XXXX XXXX XXXX, but when I went online the certificates were not there. I called the customer service line and was told the certificates had expired and was told to contact Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: MO

Complaint narrative:
AmeriCollect continues to harass me about accounts that are a direct HIPPA violation. I have repeatedly disputed these accounts. AmeriCollect did not provide me a copy of my signature with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately. XX/XX/15 ( {$54.00} XXXX, XX/XX/15 ( {$160.00} ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I got my credit fixed and not able to obtain a credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Late last Summer I was told that XXXX XXXX would be changing its credit card service from XXXX to American Express. On XX/XX/XXXX I called both American Express and XXXX XXXX and told them that I did not want an American Express card. I talked to XXXX XXXX ( XXXX ) XXXX, XXXX at Am. Express. Since that time I have contacted both American Express and XXXX XXXX many times adamantly expressing that I did not want XXXX XXXX to share information with American Express due to previous problems that I had with XXXX. XXXX. Early in XXXX I received a American Express card in an envelope which I did not open until last month. I have not activated the card. I sent multiple emails, letters and calls to both XXXX XXXX ( letters and email XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and American Express ( Letters and email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX ). Also, there were numerous calls. They shared my personal information contrary to my express wishes ( that were made clearly ) and transferred money without my permission. They can not close the account without my permission which I have not given. I wanted to have evidence as to who was responsible, which American Express recently blamed on XXXX XXXX. ( note some of the letters were sent with tractability via USPS. Some calls were recorded and emails copied. American Express did not like the fact that I record my calls, as allowed in Georgia, and refuse to call me. P.S I posted this on XXXX. I don't know if the lapse in security caused it ; but, I had an attempt for someone to purchase an American Express card ( {$100.00} ) from a different credit card account ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My complaint is against Wells Fargo ... Tonight I learned an {$800.00} teller check was cashed on my account without my knowledge or consent. My sister is on my account and one month ago her purse was stolen out of her car. Today between XXXX-and close of business a check was cashed using her identity. When her purse was stolen she reported it to Wells Frago where we Bank. They closed her account and set fraud alerts. Not only did someone cash a check on my account for {$800.00} but they cashed a check for {$600.00} on hers. No check image is available. They cant even tell us what Branch this happened at. After being on the phone with them for 2 1/2 hours they are saying an investigation has to be done and we will not have our money back until it is complete. HOWWW are they allowed to do this when it was reported to them that her identity was stolen and they did not take the proper measures to protect our account! This has to be an inside job!!! How is this even allowed!

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 2018-09-26 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: GA

Complaint narrative:
Dear CFPB - I am resubmitting my complaint against XXXX XXXX XXXX. Please refer to closed complaint XXXX for additional history. XXXXXXXX XXXX has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, XXXX transmitted an update to Transunion that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why XXXX refuses to update my Transunion from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates XXXX just recently updating my account status. This event update contradicts what XXXX Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that XXXX must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. XXXX 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with XXXX, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about 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 2018-09-26 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: IL

Complaint narrative:
In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THE EQUIFAX COMPANY REFUSES TO RESPOND AND STOP REPORTING THESE INVALID ACCOUNT UNDER MY NAME ATTACHED YOU WILL FIND THE COMPLETE IDENTITY THEFT FILE FOR XXXX XXXX INCLUDING MY FEDERAL TAX RETURNS THAT SHOW MY ADDRESS AT THE TIME THESE ACCOUNTS WERE OPENED FRAUDULENTLY. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
To whom it may concern! 

I XXXX XXXX XXXX On XX/XX/2017 paid Honda Financial Services {$5800.00} in full for an ATV loan that I had through them. I received the clear Title in the Mail ( see copy attached ) Along with 2 Overpayment check ( see copy attached ) and they are reporting me as I defaulted on the loan which I was never late on it and the loan was paid in full and they are reporting to XXXX and XXXX negative on my account and I have the evidence that the account was paid with the clear title and overpayment checks for that account I sent XXXX and XXXX and Honda Financial Services a Dispute ( Notice of Validation Letter ) asking them to provide me with certain documentation to prove that I still owe them and XXXX and XXXX and Honda Financial Services failed to present me with said Documentation. XXXX and XXXX aren't doing there Job to investigate my Dispute. 
I have a copy attached of the Notice 's of Validation Letters that were sent out to XXXX and XXXX Honda Financial Services.

Company response to consumer: Closed with explanation