vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX , XXXX XXXX Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX , XXXX collecting on behalf of Pendrick Capital Partners   stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I do not know recognize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
This paid debt was held by XXXX XXXX XXXX who sued on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX filed a Satisfaction of Judgement then sold the debt to RAS LaVrar, P.A on or about XXXX. 

RAS LaVrar was supplied with a certified copy of the Satisfaction of Judgement and then sold the debt again to XXXX XXXX XXXX who has hired XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX has called my cell phone through ( I believe the following numbers, as I no longer answer my phone due to fraudulent debt collection attempts ) XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX ( 3 ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX ( 2 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  I've attempted to hire an attorney, I can not afford XXXX nor will an attorney take the case and be paid upon completion because it is under 50 calls ( XXXX XXXX XXXX ). 

XXXX, XXXX, XXXX XXXX XXXX, XXXX has sent me a letter stating " As you know, XXXX XXXX XXXX, the current Creditor-Debt Purchaser, has purchased the account referenced above. A judgement was entered against you in this matter on XX/XX/XXXX. '' They fail to mention that the Satisfaction of Judgement has also been filed XX/XX/XXXX. If I were a " less sophisticated individual '' this would lead me to believe that I still owe this debt. 

What sucks is I can't afford to sue RAS LaVrar nor the current owner and law firm attempting to collect on a satisfied debt. Hopefully, at least you can do something about this ... I can't. 

I have also posted a copy of the Satisfaction on XXXX ( XXXX XXXX XXXX ) LinkedIn site and also on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX clearly viewable on a public forum, in the same manner as was the custom in newspaper days. 

I'm not looking for legal advice, I couldn't afford to take it, but surely they can be fined or something for continuing to sell paid debts and trying to collect again on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: OH

Complaint narrative:
I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with XXXX   and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from XXXX  XXXX  that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX  XXXX  XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account XXXX XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX  XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.

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 2020-01-28 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: OH

Complaint narrative:
I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with equifax and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from XXXX  XXXX  that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX  XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX  XXXX  XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account XXXX XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX  XXXX  XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.XXXX  XXXX in the amount of {$470.00} 2.child support enforcem in the amount of {$450.00}

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 2020-01-28 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: Ditech Financial LLC
State: NE

Complaint narrative:
Ditech has been trying to say that I owe for a mortgage loan of XXXX that has already been delt with through a foreclosure in 2013 And it's been on my credit report for over 7 years. It also says on my credit report as a write off but still trying to collect. This is not right and they need to be reported for fraud. This is a debt that was handled through a foreclosure and should not be still trying to collect. I want this off my credit report 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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I do not know recognize these inquiries

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I do not know recognize these inquiries

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 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am having a problem with a collection agency by name of Convergent Outsourcing which is reporting information on my credit reports that I do not recognize and which I have disputed prior in numerous attempts to get the debt validated. The company has responded numerous times that they have complied under FCRA compliance but has not ever sent documentation to me in a hard copy format that would explain the debt as my own. It is my belief that I am either being confused with someone else or else that an unauthorized usage has occurred. 

Numerous complaints have gone unanswered from my end and the bureaus insist that the collection agency has complied with the law but offer no proof other than the statement. I am asking this agency for assistance in the matter.

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 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD

Complaint narrative:
Received XXXX Enhancement  letter from InterContinental Capital Group , Inc. I understand this is a long-running scam using different names for the lender in an attempt to obtain additional personal information. They ask that the recipient call by a certain date to take discuss your new loan. 

They claim they are at : XXXX XXXX XXXX XXXX, XXXX, CA : phone XXXX. 

They give their NMLS # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Tried to contact Macys in reference to an account open under my name without my permission or knowledge, already send documents over a month ago and they ignored my correspondence and Refused to delete info of my credit file.

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 2020-01-28 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I transferred money from a money market and two savings accounts located at Synchrony Bank on XXXX XXXX to an external account. I spoke with a rep on XXXX XXXX to verify I made the transfer request. My money left Synchrony on XXXX XXXX possibly the XXXX but was not in my external account. I spoke with a rep on XXXX XXXX inquiring about the transfers and where was my money. XXXX ( rep ) assured me my money would be in external account on Friday. On Friday my money was back at Synchrony so I called and spoke with XXXX again. XXXX needed to speak with a supervisor so I asked to speak with supervisor instead. I spoke with XXXX ( female ) who explained the bank made an error and offered me a free wire transfer, she assured me my money would be in the external account on Friday. XXXX informed a wire transfer would be much faster and safer than an account to account transfer. As of today, Monday XX/XX/XXXX I still do not have my money. I spoke with XXXX and XXXX and neither could give me a reasonable explanation other than it needed to be verified. XXXX informed he did not know when my money would come. The external account is an account Synchrony receives money from every two weeks. I transferred money from the external account into my Synchrony account Saturday and I have a record it left the external account today. There is no reasonable explanation of me not having my money.

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 2020-01-28 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 Adjusters, LLC
State: TX

Complaint narrative:
Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. I have received the response that they are unable to validate the debt currently and a subsequent investigation will be open ended with no definitive deadline for validation. As they are unable to validate and prove ownership of this debt I request that this information be deleted from my credit reports as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-28 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-28 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: TN

Complaint narrative:
I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX  XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX {$380.00}

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 2020-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/2019, I called Synchrony Home customer service XXXX regarding a purchase made at Lumber Liquidators store in XX/XX/2019 with their credit card. I learned my purchase did not qualify for the promotional purchase advertised in the store because I didnt open a new line of Synchrony credit with XXXX XXXX. The customer service agent stated they could extend the promo that was scheduled to expire in XXXX to XXXX so I could pay it off without paying interest. I paid off the balance XX/XX/XXXX but received an interest charge on the XXXX billing statement. I called customer service and the agent said he would credit the interest and fees charged immediately and my next statement would reflect that. Today I received the XXXX statement and the credit from XXXX was posted but I was still charged another interest charge. I called customer service again and they again promised to credit this months interest and reset my account to prevent more errors. I asked them for another statement and they said they couldnt generate a new statement with an accurate account balance. Im beyond XXXX at their lackadaisical account management and poor documentation.

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 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have written Synchrony Bank in regards to a Sams Club Business Credit Card that was opened by someone using my personal information on XX/XX/2020 I recently discovered that is account was opened when i checked my XXXX  credit report and seen several inquiries from Synchrony Bank XXXX Sams BRC I called the bank and spoken to several departments before I was transferred to the fraud department and was advised that a Sams Club Business Credit Card ending in XXXX was open and active and I was listed as a personal guarantor. 
At that time I requested that the account be immediately shut down and the bank launch a fraud investigation. Rest Assure that I did not open a Sams Club Business Credit Card 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 2020-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I submitted an request to Experian to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to Experian to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from XXXX XXXX XXXX stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from XXXX XXXX XXXX stating there was insufficient information.

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 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}

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