vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
I have a collections debt listed on my credit report that is not mine. The debt collection agency is listed as Wakefield & Associates. It lists the original debtor as XXXX  XXXX  XXXX  XXXX. During 2018 I was receiving threatening calls from XXXX  XXXX XXXX XXXX before they sold this debt to Wakefield & Associates . I  informed XXXX XXXX XXXX  XXXX during each of the multiple conversations that it was not me and someone must have provided my information or name because I had not used the ambulance for anything. I asked them to provide me some documentation and they could not and did not. This is affecting my credit score and credit rating substantially. I have contested this collections multiple times to the credit bureaus to no avail. I would like CFPB to assist me with this matter and these debtors. It is not fair and I want my name cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TN

Complaint narrative:
I've been dealing with NCAC for nearly a year. They are HORRIBLE. They have to yet to send valid verification that I owe this alleged debt. They are claiming that I owe {$760.00} to XXXX XXXX XXXX. The only thing that they've sent is a copy of my leasing agreement. This only shows the amount that was obligated to pay during the term of my lease. There's no proof that I didn't pay. I fulfilled my lease and didn't miss ANY payments. I DON'T OWE ANYTHING! There is no proof that I didn't pay everything that I was supposed to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
We was referred by XXXX In Florida. We file with the attorney general already. XXXX fail to do a payment arrangement. They also fail for a settlement. We asked for a settlement due to my XXXX. We haven't received notification from your office. We want to settle the account with a payment plan monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years  should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-05 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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Date XX/XX/2019 Had the account almost 5 years and just recently had gone through a hardship which resulted a late payment. This is the only late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have been since XXXX. I view my credit report often to see if my SSN, my address and my name has been stolen. Indeed it has been again. 
The person who stole my identity is XXXX XXXX. He left a balance of XXXX on XXXX at an apartment complex in XXXX XXXX Florida. I have never lived in XXXX XXXX Florida or have I ever visited this city. 
Another way I found out about this individual is because the spelling of my first name. He uses an incorrect spelling. He also uses my maiden name. 
National Credit Systems is now on my credit report. I have notified the FBI, IRS, SSN, my local police office. I have made reports to all offices. This person also had bank accounts with XXXX  XXXX XXXX, XXXX XXXX and also has a import/export business out of XXXX XXXX Florida. Every time I have been close to finding this person by informing these institutions of my stolen identity, this person relocates and leaves my credit in shambles. 
I attempted four times to call National Credit Systems. I have left messages and no one calls me back. I called again today and the representative who handles these type of cases left a message but right before the agency closed for the day. I left a voicemail again. 
I feel violated and I feel no one is willing to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is being sent to you in response to notices sent to / from me from the Dept of Edu/ XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for Explain and show me how they calculated what they said I owe Provide me with copies of any papers that show I agreed to pay what they say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you they are licensed to collect in my state Provide me with their license numbers and Registered Agent or Agent of Service At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX  XXXX Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them. 

Since reaching out to XXXX, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. 

The information provided by Dept of Edu / XXXX includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ XXXX has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax , XXXX  and XXXX } should be sent to me immediately. I have also disputed this information with the 3 credit  bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I had a closed account with XXXX XXXX XXXX because they would not let me make payments on the account and had completely locked me out of my account and would not tell me how much I owed, but they continued to give me credit line increases while I was locked out, then Midland credit management bought the closed account and they keep calling me from a spoof number threatening to take me to court and damage my credit score.they are harassing me and it is affecting my home and work life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohen McNeile & Pappas, PC
State: KS

Complaint narrative:
The law firm of McNeilePappas PC, has been constantly harassing me regarding a debt that was involved in a fraud case that involved my wifes information as well as mine being compromised in XXXX. During XXXX, XXXX XXXX incurred a breach of their system and my wifes account was compromised. Someone in the XXXX New York area used a bank account that belonged to myself as well as my wife to intentionally commit fraudulent acts towards her account, or at the time only her account. What the individual did was used a stored bank payment account on file with XXXX XXXXXXXX to pay off my wifes card and immediately have a new card issued to be XXXX  overnight to the address listed as being in XXXX, New York. My wife was able to catch the transaction right in the process due to an unfamiliar email issued by XXXX XXXX. The problem began when I learned that the same exact thing occurred to me. However, the circumstances were somewhat different. 

An account was opened using the payment information from the fraudulent activity on my wifes card because the bank account was a shared accout. An account was opened without my knowledge and I had no idea that the card existed until I began to receive notices from the law firm listed above as McNeilePappas PC. This group sent one letter and then moved forward to serve us with civil suit paperwork without even providing us the time required to respond to the initial documentation. I returned the answer through the courts and pled, not guilty. I further went on in the answer to detail a listing of requested supporting documentation to substatiate the allegation that this debt in fact belonged to me. 

What I received back from the firm was a tampered with document hidding vital information necessary to make a legitimate claim as to how they came to own this debt that they were alledging as being owed by me. Because of this fact alone this collector has violated 15 US Code SS 1692e-False or Misleading representations. The law firm of McNeilePappas PC, violated the FDCPA ( Fair Debt Collection Practices Act ) by intentionally sought to seek relief for which they intentially mislead me into believing belonged to me. 

By intentionally covering up the amount owed and paid for the alledged debt they say is owed by me, questions the fact of the true amount of the debt. I do not owe this debt again because it was as the result of a previous fraudulent act committed against my wife on a shared banking account that was compromised. Furthermore, McNeilePappas PC,  illegally moved forward on a debt that they did not validate as belonging to me, which it does not. Additionally, the firm never threatened to take legal action they just jumped the gun  and pushed forward with unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA answers that ( other credits ) {$2600.00} on my XX/XX/2019 were applied to the balance.. 

Balance. {$1.00}, XXXX, XXXX other credits. - {$2.00}, XXXX - {$1500.00} New purchases. {$860.00} without reversals. 

Balance USAA. - {$710.00} owes me. 

Statement boldly states TOTAL CREDITS FOR THIS PERIOD {$910.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I began tenancy at the XXXX XXXX  XXXX on XX/XX/XXXX. They quoted me one price and when I arrived to move in changed the price by over {$60.00} which I could not afford but did not have anywhere to go with my things loaded on the moving truck. I paid a prorated the month of XXXX as shown on my payment register. I also paid a security deposit of {$99.00} as shown as well. They discounted rent the first full month of XXXX. I paid rent and utilities every month. Rent amount was {$1800.00} and utilities varied each month. I gave 60 days notice in XX/XX/XXXX. They slipped a statement under my door indicating the amount I would owe in the month of XX/XX/XXXX when I was vacating. I paid the amount stated which was prorated plus utilities to ensure I was clear. A few days after my departure they sent me a notice indicating that I owed them {$470.00}. They confiscated my {$99.00} security deposit and placed the rest on my credit report. I contested because I gave timely notice, and they provided me with a statement of the amount that I would owe and I paid it. I departed on XXXX XXXX, XXXX. The apartment was left in good condition as was received. I tried to contact the Regional Manager who refused to fix the problem or accept responsibility for her unprofessional staff. I later took them to court. They could not provide any documentation but I could but the judge sided with them because they had an attorney. I have the documentation attached. All efforts have been made to clear this wrongful charge so I am asking CFPB for your assistance to get removed from my credit file. I

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 2020-02-05 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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-05 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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-05 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: NY

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation