vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
It appears that XXXX XXXX, XXXX is still at the same tactics once again. This whole issue all starts from a disgruntled employee. XXXX never paid me for the work I provided back in XX/XX/XXXX. I stopped working for XXXX in XX/XX/XXXX when the settlement payment was inaccurate. As stated with plenty of XXXX XXXX  that they needed to get this issue fix in a timely matter to continue driving for this company. 

They didn't get it fixed and sent me a bill in XX/XX/XXXX for attending a XXXX XXXX I never attended a XXXX  school for a XXXX. I had a XXXX since XXXX, which XXXX. After numerous complaints and issues, they said the situation was handled. Now I have a collection bill from XXXX, I am assuming from XX/XX/XXXX in the amount of XXXX in which I never received a notice. Again, I do not owe XXXX XXXX any money for anything. I know for a fact they didn't pay for my services and owe me over {$2500.00}, including hotel reimbursements, fuel, and training students. 

What XXXX XXXX does, is bait and switch. The pay rate and fuel surcharge is quoted as one thing. When you get the settlement statement, they split the total amount of miles, instead and calculated the total revenue rate of 70 %. But they make sure they have all there expenses calculated included the XXXX  training fee with the accurate miles. 

I want to see a reoncilation statement of me oweing this amount when I didn't even work for this company. Most likely again due to this company unethical behavior they are probably associated with me with another driver. 

I want this collection report removed from my credit reports as well as to be compensated for this issue. If they want money from me and to add this to a collection account. Then they need to pay me for the amount of money that I never received in XX/XX/XXXX. 

In addition, how is this even on my personal credit report when the contract and is associated with my business name and business EIN,  nothing should be attached to my personal credit report per the XXXX Contract agreement as I am XXXX XXXX XXXX  under XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I called about these issues and the call was transferred to a not active line. I did not make any of these charges : XX/XX/2020 XXXX XXXX   XXXX XXXX XXXX, XX/XX/2020 XXXX XXXX, XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX  about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.

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 2020-09-10 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: OH

Complaint narrative:
I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.

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 2020-09-10 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: NJ

Complaint narrative:
The XXXX XXXX XXXX  was paid in full. I provided that information to Experian, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to Experian, XXXX, and XXXX. To date the XXXX XXXX account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off XXXX XXXX. Can someone help me fix this issue.

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 2020-09-10 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: Westlake Services, LLC
State: NJ

Complaint narrative:
The XXXX XXXX XXXX was paid in full. I provided that information to XXXX, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to XXXX, XXXX, and XXXX. To date the Westlake Financial account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off Westlake Financial. Can someone help me fix this issue.

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 2020-09-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have two hard inquiries on my credit report that I'm unaware of i never applied for mortgage

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a call from Mariner telling me that I was {$43.00} short on my last payment. I had been over paying the loan and on XX/XX/XXXX I went to the website to check my monthly statement and it said the amount due was {$20.00} and that's what I paid through my bank ( XXXX XXXX ). They pay all my bills since I suffered a identity theft in XXXX. 
The payment was made days before the due date of XX/XX/XXXX. They wanted me to pay the shortage over the phone in which I refused and said that I would pay as I normally do. He continued to push me to pay right then so I ended the call. This was my 2nd issue I had with this group. When covid started they offered all account holders a chance to refinance their loan in which I looked into. They came up with a {$9.00} difference and adding 6 months to the term, I declined, that's when the XXXX XXXX started from the rep. trying to force me to take the new loan I again refused but he continued to argue with me as to why I wouldn't take the deal I again ended the call, immediately after that I got a call from the branch manager and she continued the onslaught of insults toward me for not taking the new loan, I felt {$9.00} a month and additional 6 months just wasn't worth the trouble. I check my balance regularly on the website and it is never matched to what they tell me I owe its always more $ XXXX and I feel that I've been stuck on one figure for quite sometime. Each time I have talked with them they try strongarm tactics, the Mariner branch in question is Mariner Finance XXXX XXXX  XXXX XXXX in XXXX NC. this were the loan originated.

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I entered into a deferral agreement on my two vehicle loans with Ally in XX/XX/2020 due to the affects the Coronavirus had on my business at that point in time. Attached are a copy of the confirmations for same. 

Ally had reported the accounts delinquent in violation of the CARES Act which requires that a financial institution continue to report  accounts in a current status if they were current on XX/XX/2020 and some type of accommodation has been made or to report the account in the same delinquency status on the account tradeline if it was delinquent as of XX/XX/2020 and not progress the delinquency. 

Ally has caused me substantial damages by reporting my account delinquent. My credit score has fallen significantly, which has not allowed me to get another vehicle loan when my vehicle has needed repairs. I was also in the process of getting a Mortgage for a new construction loan for a new house. This has now had to be cancelled. 

I have contacted Ally directly numerous times, and while they escalated it once I expressed my rights and requested an AUD be files, they have yet to respond to my requests for immediate resolution and or a satisfactory resolution. 

I respectfully request that Ally file an AUD to cure this deficiency immediately to mitigate my damages.

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 2020-09-10 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: TX

Complaint narrative:
I have disputed the inaccuracies on my credit reports ( Experian and XXXX ). When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the Federal Court where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.

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 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They are garnishing my wages and getting almost {$500.00} a month. 

My husband lost his job and we can not afford this. I have been trying to work with them to reduce the amount of the garnishment and am willing to pay them half directly, but they will not work with me. 

We will be forced to file for bankruptcy and then they will get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX offered to pay him out of pocket for his services because the amount would be much smaller than if I have to pay a copay through my insurance and he doesn't have to deal with lengthy process through insurance to get reimbursed. I agreed. 

A year later my insurance got changed and this doctor office suggested to run it through insurance to see how much it will reimburse. And I WAS PROMISED that if my copay amount continue to be bigger than what I paid out of pocket as a hard cold cash - I won't be held liable to pay off the difference. 
I also told them if I knew I will end up.paying this much - I would reject the services upfront. 

Well, dispite the years of good relationship - this doctor and his billing office decided to ruin it all and go ugly on me. 

They started to bill me for the difference. I said I agree to pay the amount we negotiated but not what my insurance didn't cover. 

Well, they reported the balance to all credit bureaus. I have to say, considering the amount is only {$130.00} - this is very shallow of them to go that far. So a year or so later, in 2020 I called and attempted to resolve it one last time. The collection lady was nice and reasonable and tried to help. Well she responded later that she contacted that doctor 's office and their billing office and they refused to negotiate and discuss anything about this account at all. 

It is a shame - he is a good skilled medical professional but as appears very cheap. 
He lost much more on a long run than the stupid balance he tried to collect. 

As for me, it is not about money - it is a principal issue. I was promised one thing but then got dragged into this medical insurance soup opera and got hunted for it as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GATEWAY FIRST BANK
State: NE

Complaint narrative:
My ex husband and I finalized our divorce XX/XX/2020. He refinanced the loan on our previously joint owned home in XX/XX/2020. I have submitted multiple disputes as well as contacted gateway mortgage company here in XXXX. The disputes repeatedly state I am still responsible despite having submitted the refi paperwork and quit claim. The company essentially told me " we don't report every month so tough XXXX ''. I am looking to have this resolved as my current fiancee and I are going to be purchasing a home in the next 3-6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WV

Complaint narrative:
We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our 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 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the inaccuracies on my credit reports XXXX XXXX and TransUnion XXXX. When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the XXXX XXXX where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.

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 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am requesting reimbursement for the private mortgage insurance payments I remitted to the Servicer as a part of my mortgage. On the following dates : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I made a concerted effort to attempt to informally resolve this matter. 

The Servicer responded via e-mail on XX/XX/XXXX & XX/XX/XXXX indicating I do not have any " unearned premium '' which contradicts public law 105-216, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act of XXXX which promulgates, " Not later than 45 days after the termination or cancellation of a PMI requirement, ALL unearned premiums for PMI shall be returned to the mortgagor by the Servicer. '' The Servicer is failing to adhere to the federal statute referenced above.

Company response to consumer: Closed with explanation