vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent a certified letter in response to a listing on my credit report pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) for a claim for disputed and validation is request. 

I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in the matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I asked them to please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter. 

I asked them to provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. Instead, they sent me a computer print-out that does not even have my signature. My point is that they have failed to prove this account is mine. I did not request a " verification '' that they have my mailing address, I requested a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them.

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 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CapitialOne has been my longest opened credit card account and had been opened for over 10 years and has a high importance on my overall credit score. I have used the account recently due to the account offering no desired benefits and have not closed the account due to its negative effect on my credit. CaptialOne closed my account on XX/XX/XXXXdue to inactivity without any warning, notice and contact attempts. This closure without notice or cause has dropped my credit score sixty three points downgrading it from " excellent '' down to " good ''. I received a Letter in the mailXX/XX/XXXX informing me of the account closure. Furthermore the letter claims the closure can not be reversed. I have called CapitalOne customer service in an attempt to reopen the account because this closure closed. They refused to reopen the account or let me speak to anyone above entry level management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I had been a merchant on XXXX  for over 5 years and with Paypal had somehow been scammed by XXXX XXXX XXXX Scammer who defrauded my Paypal account To Negative Balance for Thousands and Thousands of Dollars. Paypal has no resolution closed my account and stole my money and now I am Out of my merchant account and they can not help me??? I think not Right for them to let Foreign Oversea Con Artist Scammer Hackers use Paypal to Defraud me of Thousands and Paypal will now try to say I owe them the money that this XXXX has stolen from Fraud that PAYPAL FACILITATED. So I want my Balance Restored to How it was Not negative. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 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: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free OPM credit monitoring for OPM 's sloppy breach 2 years ago. Anyways inept clowns at XXXX  has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These XXXX think they can be cryptic and blundering probably because they paid inept XXXX a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last XXXX job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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:
I have sent multiple requests to Experian requesting proper validation of an XXXX XXXX XXXX  account in the amount of {$510.00} listed on my credit report. I have repeatedly told Experian that this debt is not valid and does not belong to me. Experian has blatantly ignored these requests. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.

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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX says I owe them XXXX dollars. XXXX   sold/placed this " debt '' with a collection company called AFNI. AFNI placed this collection on my XXXX  credit report. I have sent 4 certified mail letters to AFNI regarding this collection and I have requested XXXX investigate twice. no luck ... I don't think they even bothered to check. according to the collection this account went delinquent in XX/XX/XXXX. I haven't lived in a state that had XXXX  service since XX/XX/XXXX. ALL THEY NEED TO DO IS LOOK AT THE NAME OF THE PERSON WHO PAID THE BILLS BETWEEN XX/XX/XXXX-XX/XX/XXXX ON THAT ACCOUNT and they would quickly realize it isn't me and they would know the responsible party. I did open a cox account when I lived in corporate housing for a couple of years and had the name of the account changed to Assaf at some point between XX/XX/XXXX-XX/XX/XXXX. The only address that I lived at was XXXX XXXX XXXX XXXX XXXX  OK XXXX and Im pretty sure that XXXX is saying I moved. So my point here is ... if the service were in my name wouldn't I have had to authorize moving it to a different address? even though obviously like I said before it shouldn't have been. THIS ISN'T MY BILL and I would have never let it go to collections if I had ANY idea it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX  under another debt collector XXXX  ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX  XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared 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 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCMI Corporation
State: WA

Complaint narrative:
when I called to pay the amount of XXXX due today XXXX18 as documented they refuse and said the payment was now XXXX dollars more. they refused to take my payment so I contacted to the hospital where the bill was from XXXX who did take the original amount of XXXX paid in full to them not the collection agency who refused to take the amount that the sent out to a letter to me on. I do have documentation o this and recorded phone calls to back my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I have been trying to get a modification on my home loan from Nationstar/Mr. Cooper sinceXX/XX/XXXX. Each time I call to see if the documentation has been received I am told to send it in again, that they have not received it. I have attached with this complaint, the last four letters received from Mr. Cooper. The requested information on the letter datedXX/XX/XXXX which is the current lease agreements for the two apartments I rent in my building, plus the mortgage statement for the other rental property at another address. All I am trying to do is get a modification on the building I have lived in for over 13 years now. The original loan documents as well as the papers where servicing of my loan has been transferred on several occasions, to different servicing companies has still not been provided to me as requested years/months ago. I have also included with this complaint each email I have sent in, that included the documents requested from the loan modification department, since XX/XX/XXXX, along with a Comparative Market Analysis of my area as well. I just want a fair modification on my loan, as I have been paying the high mortgage payment amount each month. The documentation I am uploading on their website along with the emails I have continuously sent in, as well as the packages I have mailed in seem to keep disappearing or not getting to the company. I have also provided the two receipts from the post office indicating I did send documentation to Mr. Cooper as well, on at lease two separate occasions. So I have no choice but to sentd this complaint to the XXXX, CFPB, as well as Mr. Coopers corporate office, complaint office and the loan modification department to receive some assistance with this matter. All I want is a fair modification on this loan and acknowledgment that I have been sending in the requested documents for months. Thanking you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX oversees my XXXX XXXX  store card. XXXX XXXX XXXX   claims that I was late in the month of XX/XX/XXXX ; I was only informed because of a credit alert that came to my email on XX/XX/XXXX.

My wife paid my bill, and made two extra payments in calendar year XX/XX/XXXX ; we have never missed or been late with a payment.

In XX/XX/XXXX my wife called the XX/XX/XXXXXXXX  automated system to ascertain the amount of our payment for the month. The automated system stated that no payment was due - {$0.00}. She paid the payment for the month of XX/XX/XXXX assuming that the payment would not change, as she had made 2 additional payments inXX/XX/XXXX, and the automated system stated no payment due forXX/XX/XXXX.

I called XXXX XXXX XXXX   immediately upon receipt of the alert on XX/XX/XXXX and was informed that we had not paid inXX/XX/XXXX or XX/XX/XXXX and that the amount due was over {$160.00}. I paid them {$200.00}, and explained that their had been a mistake. Had we known that a payment was due in XX/XX/XXXX we would have paid it, and the XX/XX/XXXX payment, which they did receive in XX/XX/XXXX would have sufficed.

I have submitted disputes with XXXX  and XXXX XXXX. XXXX XXXX XXXX did remove the late fees, and did remove the late payment fromXX/XX/XXXX but refuses to removeXX/XX/XXXX, even though a payment was received. I also informed XXXX XXXX XXXX that their automated system may have been mistaken, and recommended that they investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I wrote a certified letter on XX/XX/XXXX, to the collection agency after seeing them reporting on my credit report. In that letter I specifically requested to : Please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter.

I received a letter back on XX/XX/XXXX without any of this information instead they sent me a computer print-out that does not even have my signature.

I sent them a letter on XX/XX/XXXX explaining this information and to delete all negative marks from 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 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Closed two of my credit cards without giving me any reasons, this is totally nonsense and baseless to close a loyal customer credit who is your customer from last 5 years, doesn't make any sense..

I just received this letter on XXXX XXXX, 2018 that my two of my Citibank Credit Cards ending in 'XXXX ' and 'XXXX ' are closed because I misrepresented one or more billing disputes, doesn't make any sense to me.

First of all, I did not misrepresent any of the billing disputes, if I did, why did they approve it?

This is completely Non sense.

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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
I ordered my CoreLogic ( SafeRent ) report and I noticed a Inaccurate date and information on my rental history.On my report they have a listed date in XX/XX/XXXX that i was evicted but I was never evicted from that date they have listed on the report.The Apartment that in am talking about is : 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 explanation
Consumer complaint received 2018-03-30 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: Sebrite Financial Corporation
State: NC

Complaint narrative:
I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We, XXXX XXXX  and XXXX XXXX XXXX had joint stores credit cards with XXXX XXXX  for XXXX stores and XXXX and XXXX   stores, respectively. Our accounts were opened in 2017 and we had planned to use the credit for a new air conditioning unit and a riding lawn mower. However, while in the market research phase of our pending purchases, our home and state were hit with a devastating hurricane Irma. As a result, we had to delay the pending purchases, due to damages suffered from hurricane Irma and to perform said needed repairs.

Today, we were informed by our credit monitoring service XXXX  that both our accounts were closed by XXXX XXXX. We were never informed by XXXX XXXX or given any opportunity to keep our accounts open. It is very disappointing and financially devastating to us that XXXX XXXX  chose to close our accounts without notifying us. In addition, we were in the process of finalizing our purchases of a new home air conditioning system and a riding lawn mower ( XXXX  is a XXXX  veteran with XXXX XXXX ).

We are seeking assistance from this agency to get our accounts reopened and our credit lines restored!!! Thanks in advance for your kind assistance.

Regards, XXXX XXXX and XXXX XXXX XXXX.

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 explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After filing a dispute yesterday against XXXXXXXX XXXX XXXX, my report today now has a delinquent report that was just opened from the company portfolio recovery A who XXXX sold the debt to. This is now being shown as a derogatory mark twice on my credit report. This account should not be reported twice! I initially pleaded with XXXX   to help me with interest decreases to make payments. I was in severe financial distress due to medical issues and bills. They would not work with me. The account was charged off and sent to this outside collections agency. This agency harassed me for years with upwards of 8 calls a day at times before XXXX and after XXXX. They finally stopped several months ago and the account was only showing once on my credit report as a closed charged off account from XXXX. Now it is being displayed twice, once as a charged off closed account from XXXX  and another as an open account under collections from portfolio recovery A.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: U.S. BANCORP
State: NC

Complaint narrative:
I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to 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 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have contacted with no results by phone and letter.

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 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I leased a property from XXXXXXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I provided 30 day notice that I intended to vacate the property. I vacated the property on XX/XX/XXXX as agreed to by the management company. I competed a final walk through with the managements representative XXXX XXXX. I arranged for utilities to be disconnected and returned the keys. The property owner and the management company disagreed on who was able to give permission for the family room & dining room to be painted ( management said it was fine, owner didn't like the color ). XXXX XXXX and I agreed that my security deposit would be retained to have the rooms repainted. At no time were rent aarrears or a trash fee discussed. I paid as agreed each month. I was never late, I was never served with an eviction notice, no judgement was ever filled, I was never served with a notice of an outstanding balance. I have written numerous letters to the management company, credit reporting agencies, and the collection company that this debt is not accurate. I have requested all records pertaining to this property including payments, notices, maintenance request and no documents have been produced. In one response Professional Debt Mediation stated " Accordingly, we discontinued using any means or device to collect this delinquent account ''. Yet, they still falsely report this inaccurate information. This derogatory account has prevented me from obtaining employment, credit cards, car loans, and I have been advised I am unable to secure a new rental property. Please, help me get this removed. Thank you.

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