vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My husband and I make our mortgage payment every month, the payment is always made within the grace period. For the last two months we have been receiving a " delinquency '' notice. Did n't take the first one too seriously since the payment was made but since we got one this past month for our   XXXX   payment as well I called LoanCare to see what 's going on. The representative was very rude. Put me on mute when I was questioning the situation and said that I have no late charges if I have access to my account I can see this. I also work for a sub-servicer so I am familiar when notices are sent to borrowers. If a loan is not delinquent, and there are no late charges, how is this in compliance?!

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 2017-08-05 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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The CFPB found that Encore ( Midland Funding LLC. ) attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Midland is to ensure accuracy when filing lawsuits. They can not file lawsuits to enforce debts unless they have specific documents and information show information the debt is accurate and enforcable. My rights under the Fair Debt Reeporting Act are being violated not only because this account does not belong to me and is being reported on my credit report, but I am now also being wrongly sued. I received a letter to contact you that was dated XX/XX/XXXX. You filed papers to sue me XX/XX/XXXX. You do n't just decide to sue someone in 2 days. It was already your intention to do so. I sent a dispute to the 3 credit bureaus informing them this account was not mine and requested Midland provide VALIDATION of this account. I have yet to receive anything. Per this court petition I am being sued for " breach of contract ''. I am demanding a copy of this contract with my signature, between myself and MIDLAND FUNDING LLC. It needs to show the original date of delinquency, the agreement that grants you the authority to collect on this alleged debt, what you paid for this account, and how you calculated the amount owed. Failure to comply will result in a private civil action torecover damages against your company. I will be contacting the FTC, BBB, and the appropriate county, state, and federal authorities, including the Attorney General 's office. My state of Texas currently has a lawsuit against you now for these exact frivolous and unfounded lawsuits against people like me. You need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: ID Analytics, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On  XX/XX/XXXX , I received a letter from   XXXX   XXXX  . It states that SageStream , LLC used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have   XXXX   to find out how I can get a better resolution.
Hope this will be the best result.
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for credit line increase on my   XXXX   card ending  XXXX . Request was denied on   XXXX   XXXX  , 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on   XXXX   XXXX  , 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.

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 2017-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
Financial Data Systems Dates : XX/XX/17 {$64.00} XX/XX/2017 {$64.00} I pulled my Credit Report and notice a collection agency called Financial Data System. I have no idea why this company is collecting on a debt from XXXX XXXX who is also not the original clinic I went to for services. I have never been to XXXX XXXX and never signed a HIPPA form with them or and paperwork to validate this debt. I went to XXXX XXXX and signed a HIPPA form with them and did not give them permission to release my personal information or any services I received to this company. I have written all XXXX Credit Bureaus and asked this be removed off my credit report, because it a violation of HIPPA and to provide Validation of something I signed with Financial Data System or XXXX XXXX and the refuse to remove this collection. They always say it has been verified but not validated and never provides proof. I would like this removed of all 3 of my Credit reports.

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 2017-08-05 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: DCI Credit Services, Inc.
State: OK

Complaint narrative:
On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On X/X/2017, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: OK

Complaint narrative:
On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (  XXXX  ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given   XXXX   the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by  XXXX  or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to 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 explanation
Consumer complaint received 2017-08-05 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: OK

Complaint narrative:
On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (   XXXX   ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given  XXXX  the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by   XXXX   or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to 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 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have  an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On XXXX/XXXX/XXXX, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 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: Advanced Collection Bureau, Inc.
State: OK

Complaint narrative:
Advanced collection bureau has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: NC

Complaint narrative:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. 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 explanation
Consumer complaint received 2017-08-05 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: NC

Complaint narrative:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: NC

Complaint narrative:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. 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 explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDCOUNTRY FINANCIAL CORP
State: AE

Complaint narrative:
I was going over my credit report and saw that a company pulled my credit 3 times and they had no authorization to do so. This is illegal and is a violation of my privacy. This has also had a negative impact on my credit and is causing the process of obtaining a mortgage loan to be a bit more difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my 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 explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
I took out a loan from a company called " XXXX XXXX '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " API Recovery Solutions '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted XXXX XXXX to see where my debt had gone and they told me that it got sold to " buyers holders inc '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company buyers holders inc, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Reference back Case : XXXX and XXXX. On XXXX XXXX ,2017 I call customer service stating, I have not receive my XX/XX/XXXX Statement, Which the cycle ended on XX/XX/XXXX. I also complain about my payment due and why it still high calling the automative system. So the customer service person said she will sent another statement out, Now it Saturday XX/XX/XXXX no statement but my neighbor receive her statement on XX/XX/XXXX she have account with Synchrony Bank and live next door. So I really want to know was a statment sent out. My address is still the same from case XXXX. I really do no know why this company is given me a hard time, I just want everything fix and corrected and back to normal.

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 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a gold Amex business card and the mailer said that if I spent {$5000.00} in 3 months I would get   XXXX   points, and another   XXXX    points for spending another {$5000.00}. This makes a total of   XXXX    points for {$10000.00} spend. Amex admits ( several times on phone and live chat, screenshot attached ) that this offer was attached to my account, but denies I spent {$10000.00} ( once on chat they even agreed that I spent it, and opened a case but never gave me the points ). See statements attached, showing I spent more than the required amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MS

Complaint narrative:
I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation