vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Todays date:XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro collect is trying to collect {$330.00} for XXXX XXXX apartments when I have never lived or applied there. They claimed that I may have co-signed for someone and I did not. This is not my debt and they refuse to delete it from my report. I was never sent a dunning letter about this debt prior to it hitting my report and they have not be able to provide a copy of the lease contract that they allege that I had with The XXXX. I spoke to a representative today ( XX/XX/2018 ) and he says he was looking at my lease contract but he refused to email it to me. I want this erroneous debt removed from my report ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was charged {$29.00} by TransUnion for the service they mentioned as free trial. 

It was mentioned as a 30 day free trial period, but instead was charged {$29.00} without even a prompt to tell me before clicking the authorized button. 

Complete deception method applied. The customer service says that can not refund the charges back as we availed for the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FC LENDING, LTD.
State: TX

Complaint narrative:
FC Lending offered interest rates on a mortgage loan based off of an inaccurate credit report and credit score. I had a legal name change and informed them as such, as well as providing a letter of explanation dated XX/XX/18. The credit score they provided from XXXX XXXX was approximately 50 points lower than what it actually is. I do not feel that the rates offered reflected my credit worthiness. FC Lending offered me 4.625 % with 1.5 % discount points and PMI of 0.66 % versus an LPMI rate of 5.25 % with 1.5 % discount points. Before discovering the inaccuracy, I locked in the LMPI rate which is set to expire XX/XX/18. Based off of my actual credit score and credit report, the new lender is able to offer me a much better rate that not only saves me money initially but also in the long run. I have informed FC Lending of the inaccuracies but they are not willing to correct their mistake. I feel like this is predatory lending. I have already switched lenders, but the builder, XXXX XXXX, is threatening me with termination of contract in an effort to force me to use their preferred lender, FC Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: UPGRADE, INC.
State: CA

Complaint narrative:
I went on XXXX XXXX to seek for a personal loan and was matched with Upgrade. 

I was offered and loan and selected it to see my rate, I noticed a credit inquiry was pulled when it said it would not pull a credit report. 

Forceablily after pulling my credit I called Upgrade, I was encouraged to provide over documents to approve my loan since I had come this far. 

Even after providing the documents they denied me for reasons out of my control and was given a hard inquiry on my report when I was never supposed to get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: WA

Complaint narrative:
I have a loan with volkwagen credit. They have blocked my number, they are accepting my payments and cashing my checks for my new car. They denied I have an account with them when I blocked my number to call. I asked for a supervisor then was hung up on again. I've never been sent ANY DOCUMENTS AND THESE THUGS BLOCKED MY NUMBER WHO SERVICE MY LOAN??????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
I applied for a VA loan from Fairway Mortgage and endured an overwhelming disregard for accuracy in processing the loan and resulted in my Real Estate Broker questioning the loan processing. During this time it was falsely disclosed to my Broker that my rate was set higher due to a prior default on a VA loan. This is blatantly wrong on two counts the first of which it would be a violation of the Fair Credit and Reporting Act to disclose any information from my credit file and  secondly to fail to disclose to me, borrower, reason for a higher rate. Lender refused to acknowledge a violation and continued to delay my loan closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I received notification on my credit report that I had an account in collections from XXXX XXXX 2 weeks ago. Until this point I had no idea there was any owed balances to XXXX. When I called I found out the debt is supposedly from 2013 for {$460.00}. I was unaware of this balance and have not received any notification about this matter. I never received anything from the collection agency XXXX XXXX   notifying me they were trying to collect a debt, it just showed up on my credit. The only way I found out what agency reported the debt was by contacting XXXX XXXX. This debt is supposedly from 2013 but is just now showing up on my credit report after 5 years. With no notification from the debt collector I wasnt even aware there was a collection or had the chance to rectify if there was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
This complaint is in reference to complaint number XXXX which has been pending for quite awhile. For about a week this case has been remarked as follows, " Account information disputed by consumer, meets FCRA requirements. '' In the first place, it is absolutely false that it meets FCRA requirements and in the second, I was never notified about their conclusion. This account was originally bought by a debt collector called " XXXXXXXX XXXX XXXXXXXX. '' It has been bounced around, named as as an " educational '' debt when it is a false charge for rent and damages to an apartment that happened to be owned by XXXX XXXX University. It is between a landlord and an ex-tenant not a school and a student. It has been inflated by thousands of dollars and reaged by over 3 years. There is no way I am going to pay a dime on this account under these circumstances. As previously stated, I broke a lease, they charged me for 2 months rent on a {$700.00} per month apartment then they tacked on damages that absolutely never occurred. I offered to have a payment plan with them only on the condition that would release my transcripts and now it turned into this. The actions of XXXX XXXX XXXX are 100 % illegal and I will not work with them. They need to remove this account from my credit report or I WILL hire an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
For several years I have AAdvantage Citi credit card with {$95.00} annual membership fee. Last year I wanted to close it yet the fee was reimbursed to my account after I paid {$95.00} using Citi AAdvantage credit card. I decided to close it this year. I called at least one month  in advance to membership expiration to initiate the closure process. Yet I was told I can switch my current Citi AAdvantage credit card with annual membership fee towards Citi AAdvantage bronze card with no membership fee. I was also told to pay {$95.00} fee, to wait about 90 days for the replacement card, which will have {$95.00} credit on it. Last week I received the replacement card/statement. The credit balance is only {$79.00}, and not promoted/promised {$95.00}. When I called Citi customer service and asked why the amount is lower than promised {$95.00}, I was told the amount was prorated. I hope Citi keeps customer conversation records because I asked several times if the total {$95.00} would be reimbursed and credited to my account, and each time the answer was Yes. If I knew Citi won't reapply {$95.00} back to my account I would close the credit card account with them back in XX/XX/2018.

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 2018-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
At approximately XXXX SAST time I received an email from PayPal stating the following : " We recently noticed an issue with your account. 
... 
Because of this issue, your account has been permanently limited. We understand this may be frustrating and inconvenient but you'll still be able to see your transaction history for a limited time. '' As I have not had any recent sales in my account I suspected my account must have been limited in error. Funds coming into my account were for my salary from XXXX XXXX and were not sales. 

I reached out to PayPal support ( the correct department ) on 3 occasions on the XX/XX/2018. I was told they are not able to provide me a reason for my account closure and I could not appeal. I was also instructed that my monies ( salary ) in the account ( approximately {$1.00} XXXX USD ) would also be held for 180 days and my PayPal account would not be able to ever be used for any transactions going forward. 

I asked on all three occasions I spoke to PayPal representatives what I could do to appeal or help the process of getting my account reinstated, and I am still willing to send any documentation that may be required. 

I believe it to be very unfair to shut an account with no prior warning, with a reason for closure supplied that is false ( PayPal stating closure is due to sales ) and to withhold my salary - and also not allow any future salary to be paid to me through the platform. 

The account in question is over 10 years old and has never had any fraudulent transactions or sales to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
National Default Servicing Corporation ( NDSC ) failed to call a fault to foreclosure processes after coming into possession of information and knowledge of various violations of a group of laws commonly referred to as the California Homeowner Bill of Rights. 

On XX/XX/2016, NDSC caused to be recorded a Notice of Default ( NOD ) as the Substituted Trustee. On or about XX/XX/2016 I informed XXXX XXXX XXXXXXXX, XXXX XXXX as the loan owner and servicer, and NDSC as the Substituted Trustee and also XXXX and XXXX, XXXX XXXX as the owner of NDSC of their errors and requested the NOD be immediately rescinded. 

The NOD was never rescinded as requested violating provisions of the California Homeowners Bill of Rights. 

All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: DISCOVER BANK
State: MN

Complaint narrative:
I have lodged disputes with Discover and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
National Default Servicing Corporation ( NDSC ) made material intentional misrepresentations as to their relationship as it relates to my home loan mortgage account and foreclosure processes. 
NDSC provided written documents originating from them in which the affixed the XXXX XXXX XXXXXXXX XXXX at the top giving the appearance the correspondence originated from XXXX XXXX XXXXXXXX and not NDSC. Within the correspondence, NDSC stated it had been retained by XXXX XXXX XXXXXXXX to collect on a delinquent mortgage debt prior to XX/XX/XXXX. Neither NDSC nor XXXX XXXX XXXX has provided any written documentation confirming NDSC a Trustee relating to foreclosure processes to date. 
Upon receipt of correspondence from NDSC prior to XX/XX/XXXX claiming any connection to my home loan mortgage debt was unclear and incorrect. I actually believe this correspondence to be a scam of some sort as I was still pending in the modification process at the time of receipt. On XX/XX/XXXX, I was approved on appeal for a MHA HAMP TPP. However, I had not been offered the MHA HAMP TPP acceptance package at the time of the NDSC correspondence. As dual tracking is prohibited under California law, debt collection processes, including foreclosure, can not begin or proceed. 
All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX-XXXX XXXX XXXX   XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX  National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any  organization who uses my name without my consent, and committing fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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:
I filed a complaint against all three credit bureaus in regards to fraudulent accounts on my credit report. XXXX and XXXX complied with the FCRA and removed fraudulent accounts and never reappeared on my credit report.. Experian has failed to comply in deleting the same fraudulent accounts XXXX  and XXXX deleted or provide me with sufficient evidence or reason to keeping fraudulent accounts on my credit report. Experian has been reporting derogatory and inaccurate information relating to my credit report. XXXX ( {$22000.00} ) / XXXX XXXX ( {$1200.00} ) both fraudulent accounts Experian has failed to remove from my credit report.I filed a police report sent it to Experian twice and they haven't complied with the FCRA.I have suffered actual damages in the form of credit denial and loss of credit opportunity, credit defamation and emotional distress, including anxiety, frustration, embarrassment and humiliation.Experian has showed reckless and gross negligence for federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
unsolicited calls on my cell phone that I did not sign up for as I am on the National do not call registry. Many times a week

Company response to consumer: Closed with explanation