vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diaz & Associates, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX  XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Firm of Katz and Associates, PLLC
State: NJ

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX in cahoots with XXXX XXXX XXXX, XXXX wrongfully received a judgment ( {$1800.00} ) by filling a request and writ for garnishment ( periodic ) against me in a state that I do not and have not resided in ( XXXX XXXX, XXXX ) in over 30 years this is a violation of my rights and protection under the fair debit collections and practices act 808. Unfair practices. 

The above parties presented fabricated documents which stated that I was severed in person and misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit in order to receive a judgement against me in the monetary amount listed above this was a violation of my rights under the fair debit collections and practices act 807. False or misleading representations. XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX stated that I was served with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail. The above statements are false based upon the following facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address would have been in ( XXXX , XXXX ). Being that the debt which XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX is included with my Chapter XXXX Bankruptcies in which the original creditor has knowledge of places the above plaintiffs in full violations of disobeying a court order and my rights and protection under Federal Bankruptcies law, which states that XXXX XXXX XXXX, along with XXXX XXXX XXXX, XXXX are breaking the law by collecting upon a debit through wage garnishments which is included in my chapter XXXX bankruptcies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
On XX/XX/2019 i received a notifications from XXXX, and XXXX that a new collections account was added by a collection agency call Enhanced Recovery Company in the amount of {$2100.00}. I have never been contacted by them, received a letter or anything. I contacted them and all they are just verbally saying us the debt is mine without any proof. I dont even owe this debt, they didnt send me any notice in the mail for validation and or verification that this debt is mine. I truly believe they dont have the right to report this information on my 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 2019-06-23 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: NY

Complaint narrative:
In XXXX of 2013 I filed for bankruptcy and all debts were discharged, including a lease agreement with XXXX XXXX XXXX. Post discharge, XXXX XXXX XXXX has been reporting my as late 5 times after the bankruptcy. I have attempted to resolve the issue through the credit reporting agencies and with XXXX XXXX XXXX with no success. The account is showing closed and without a balance which is the only thing that is correct. The 5 late payments which are being reported on credit reports after my bankruptcy discharge are causing great harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Please also refer to case # XXXX and XXXX. Problem has been ongoing since XX/XX/2018. I just received a letter from a collection agency for a debt with XXXX. I was neither notified by mail or email or from account online. This began because XXXX was negligent in picking up vehicle from dealer. XXXX forced me to sign false odometer statement ( stated wrong turn in date ) to repair my credit as they would not pickup vehicle and payments and charges kept accruing, along with there harassing phone calls, whenever you call them the first thing they say is " we are going to report you to the credit bureaus if you do not take care of this ". XXXX finally picked up vehicle 1 year and 3 months later!. This is the 3rd time that XXXX has affected my credit report by reporting these bogus charges.I do agree with the end of lease charge but not the other 2 charges. If they are claiming there is XXXX miles on vehicle and then charging me for 2 tires that are only warranted for XXXX miles how nice that is for them to resell vehicle with 2 new tires at my expense, this is normal wear and tear or they should have been disposed of at the end of XXXX mile tire warranty. Again, where was this vehicle for over 1 year and 3 months to accumulate this mileage. Again XXXX negligent for not picking up vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2013 I filed for bankruptcy and all debts were discharged, including a lease agreement with XXXX XXXX XXXX. Post discharge, XXXX XXXX XXXX has been reporting my as late 5 times after the bankruptcy. I have attempted to resolve the issue through the credit reporting agencies and with XXXX XXXX XXXX  with no success. The account is showing closed and without a balance which is the only thing that is correct. The 5 late payments which are being reported on credit reports after my bankruptcy discharge are causing great harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
PHH mortgage company received a payment of {$2900.00} on XX/XX/XXXX and it posted on XX/XX/XXXX. The {$2900.00} was enough to payoff the loan. They posted that money in a suspense account and not on my principle. Then I received a statement that I needed to pay XX/XX/2019 payment and it started about partial payments so I send them a payment for {$300.00} Which on that statement it still showed a principle balance of {$2800.00} with the money still in the suspense account. So XX/XX/XXXX I called and allowed them to talk to my wife as she takes for the bills. They said we needed to request a payoff statement which we did. And that the gentleman would have it sent out. So all week I keep messaging and asking for them to transfer my money on to the principle of my loan and it has not been fixed. They are still charging me interest and asking for XX/XX/XXXX payment. So i need help and trying to figure out how to get my money posted to my principle and pay this loan off. I feel they are holding on to my money unfairly. I have never been late and always paid extra on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The social security administration has lost a check I mailed XXXX-19. I called them and was told they are 3 months behind in processing checks. They fraudulently posted a derogatory status on my credit reports which caused my score to drop 21 points on 2 bureaus and 69 points on the other. They list the check and this is fraud caused by their failure not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Ascendium Education Group
State: CO

Complaint narrative:
Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Theres is a lot of times where thy have pulled my credit report and it should not have been done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called Wells Fargo to inform them of how the loan was being processed and was transferred three times.  What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: College Assist
State: CO

Complaint narrative:
Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays closed my credit card account due to inactivity. I have about {$15.00} rewards with them and I can't get the {$15.00} because you need at least {$50.00} to redeem. I called and said there is nothing they can do. I asked to file a complaint and the agent said she will file a complaint but not let me know what would happen to the complaint ( no record of emails, etc. ) It's my money! Can't they send me a check or something?

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 2019-06-23 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: VA

Complaint narrative:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate information showing on credit reports that is not know to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Creditor Name : XXXX XXXX : XX/XX/XXXX 2. Creditor Name : XXXX  XXXX Date : XX/XX/XXXX 3. Creditor Name : XXXX/XXXX Date : XX/XX/XXXX 4. Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX 5. Creditor Name : XXXX-XXXX XXXX XXXX : XX/XX/XXXX 6. Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 7. XXXX XXXX  XXXX   XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Please provide me with documentation verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: VT

Complaint narrative:
WorldRemit case # XXXX. I sent {$1500.00} to XXXX XXXX XXXX XXXX  XXXX. XX/XX/2019 for their visa and air plane ticket package. XX/XX/XXXX they received payment. XX/XX/XXXX they said operation takes 14 to 21 days. XX/XX/XXXX they requested {$7400.00} to {$15000.00} more. I refused. A week later they asked for {$930.00} more and I refused. They said they would not contact me again until they received the money. 
I complained to WorldRemit and XXXX was assigned case XXXX. I called up the credit card company, XX/XX/XXXX they said they would look into it. XX/XX/XXXX I got an E-mail from world saying they closed my account. 
I think the credit card company called WorldRemit to see what pressure can be applied to get the money refunded. They decided to blow me off, and this is why I am contacting you.

Company response to consumer: Closed with explanation