vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. Because my name is so common, I receive frequent calls from collection agencies seeking other people with the last name XXXX. 

Today I received a call from a company claiming to be called Admin Recovery seeking a XXXX XXXX. They asked about a credit card that I never have had. I advised them that they had the wrong XXXX XXXX. I have received calls about this account before. The person on the line then asked if they could leave a message, I explained that I had no connection to the debt or the individual they were seeking. They provided a date of birth that was not mine. I stated that I wanted to be removed from their calling list, the individual stated that my phone number was listed as a secondary contact and that they would investigate it. This happened around XXXX CST. 

I wish to repeat -- I have a common name, I am not the individual they were seeking, I do not know who they were seeking and they refused to simply remove me from their contact listing.

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 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1000.00}. APR is 654.12 % with a total finance charge of {$2400.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/2018. Most recent payment made was XX/XX/2018 and the last payment is scheduled for XX/XX/2018. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that Amplify Funding can legally still collect in Florida since they are governed by a Tribal Lending Authority in another state. Loan agreement is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Opened a Capital One account in XXXX to utilize XXXX as well as keep my main bank account away from auction transactions or anything else I sell online due to having XXXX just steal over {$2000.00} from me and send to someone in XXXX ( filed multiple complaints on this incident and received not one response ). 

I had several XXXX transactions and also several paychecks deposited into the account. For no reason at Capital one said the account was fraudulent and locked it down. It was froze for over 2 months and had several more paychecks deposited before i got my direct deposit changed. 

They just sent me a letter saying that they sent all funds beack to there original source. I'm now bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I am a victim of identity theft yet your company Harvard has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account Harvard collections in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has entered an item on my credit report that is reporting incorrectly and should not be on credit file. XXXX XXXX should not be listed on my credit report with negative information. I have attached information that shows a clean history with this account which is past the reporting time to be listed.

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 2018-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX retroactively capitalized the interest on my loan two years in the past, and added fees and interest for the last two years in XX/XX/2018, saying that they accidentally forgot to do it two years ago. I am in the REPAYE program, so for the last two years, the federal government paid a portion of the interest for the last two years. Because they waited so long to do capitalize the interest, they added hundreds or possibly thousands of dollars to my loan that would have been paid by the government. They are required to give me at least thirty days notice before capitalizing the interest under the federal regulations governing student loans. I never received that notice, either at the time or now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX have accessed my credit and listed the legal permissible purpose for its collection efforts. I have written the company and they have refused to provide any information about the debt it is allegedly collecting. I filed a complaint against XXXX who responded to its CFPB complaint that it had tow open accounts, however, they too have refused to provide any information about the accounts reported to the CFPB. The complaint number is XXXX about XXXX XXXX XXXX , XXXX. Both XXXX and McCullough are repeatedly checking my credit but do not provide any information to me concerning the alleged collection efforts. I have mailed the request to XXXX XXXX bar number XXXX. I believe it is a debt collector law firm by definition ; similar to the XXXX XXXX XXXX law firm that CFBP recently sued in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My real estate taxes are $ XXXX/year and due on XX/XX/XXXX. As of my last statement on XX/XX/XXXX, Bank of America already has {$830.00} in escrow and will be taking an additional {$66.00} in XXXX and XXXX resulting in an escrow balance of {$970.00} to pay my {$730.00}. This is {$24000.00} more than needed. In addition, going forward they will have collected {$800.00} from me by the time my 2019 tax bill becomes due. My complaint is that the bank is withholding excess funds into my escrow account/

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 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 three fraudulent transfers were made from my Bank of America accounts two from the checking account and one from the savings account through a service did not know about or ever used. Contacted the fraud department claim XXXX and made the police report Case XXXX. After days of running back and forth trying to do what they requested they denied the claim as they said the transfer was made from my device. I am not sure how it happened, but I told them I did not do or authorize the transfers. For decades been a customer but it did not matter, I have no way to prove it but those transfers were fraudulent. The burden of proof is on the victim not who committed the crime. The victims specially the elderly are being victimized losings all their funds. BOA is not only not protecting the consumer but also by putting the burden of proof on the victim.

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have collection items that I am disputing but I also see that these disputed agencies just from one credit bureau to another. 

Can they jump from one to another like that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: IL

Complaint narrative:
The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with Experian and 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 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft yet your company XXXX has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account XXXX XXXX in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.

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 2018-08-16 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:
TransUnion will not remove negative accounts off my credit even though I have sent them proof that said account is paid with a XXXX balance. I have filed a dispute several times and still I haven't heard from them about my dispute.

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 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mortgage payments are not being reported to any credit bureaus. When I called the lender, they say the payments were not being recorded because the home was never " reaffirmed ''. This is seriously impacting my credit score. I have been through three bankruptcies and have finally bounced back from the XX/XX/2008 financial crisis. However, my home is still severely underwater and not having my on-time mortgage payments recorded for three years is making rebuilding my credit more difficult. I have tried rebuilding with credit cards ; however, that is what got me in trouble in the first place! I just want my mortgage payments reported and I would like for them to be reported retroactively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Portfolio Recovery, LLC
State: IL

Complaint narrative:
Portfolio Recovery LLC is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XX/XX/XXXX and purchased buy PR in XX/XX/XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that Portfolio Recovery is doing inquiries on my credit report as follows : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment. 
Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
XXXX XXXX has been calling me at work over a debt of taxes from Indiana Department of Revenue. XXXX XXXX has been paid in full. This week XXXX XXXX put a levy on my bank account with XXXX fraudulently. 

XXXX XXXX is nothing but fraud. All the payments that they collected from the State of Indiana has never been transmitted to Indiana at all. XXXX XXXX obviously kept the money for themselves. I have proof from the bank that all funds were transmitted to them. I have shown them. Plus XXXX XXXX was licensed in Arizona in XXXX ; they debt goes back 15 years in XXXX therefore they don't have the license to collect the debt either.

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 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
on XX/XX/2018, I received a notice of assignment from a company called resurgent capital claiming i owed money to them from a debt from XXXX XXXX. I responded with a letter on the same day via return reciept certified mail. I requested they provide proof of this supposed debt, and also stating that i was disputing this debt. They responded on XX/XX/XXXX with a letter dated XX/XX/XXXX, stating i had to inform them in writing ( which i already had ) that i dispute this account. I responded that day with another letter stating i had already in fact disputed this supposed debt and that by sending me another request for me to put something in writing, they had violated florida debt collection practices, two days later they sent me a generic statment of account from there own computer system, attempting to pass this off as proof of this debt. I responded this morning, andd informed them that since they are unable to provide proof they are to cease and desist immediatly from contacting me or attempting to collect on this supposed debt. theey have violated the FDCPA by calling my husband on his cell phon regarding this debt and have failed to provide any proof of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts/items do not belong to me. Please delete immediately. 

Finger Hut- this account is not mine. Action Requested : Please Delete the entire account from my credit report.

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please delete the entire account from my credit report.

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX  XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I.Q. Data called my phone on XX/XX/2018 to discuss a debt that I had already disputed in writing. The first lady on the phone seemed nice and acted as if she was understanding the situation that my old apartment complex had put me in. She tried to tell me about laws regarding age of carpet and charges to tenants. Then her supervisor XXXX got on the phone and was yelling at me about how I needed to give them my credit card information right away or else it would show up negatively against me. I let her know that I did not feel comfortable giving out that information and she proceeded to tell at me about how i was refusing to pay. I repeated that I was disputing the charges and she hung up on me. The company still has yet to investigate my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my Experian credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " XXXX XXXX '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks

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 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment.

Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.

Company response to consumer: Closed with explanation