vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Qualey Law Group, Inc.
State: PA

Complaint narrative:
Garnishment Shows 3 different accounts for the same garnishment with the same court case No. XXXX Writ of garnishment : Doc ID : XXXX shows paid {$4100.00} Doc ID : XXXX Shows paid {$2700.00} Doc ID : XXXX Shows paid {$120.00} same court case NO. XXXX on all 3 lien numbers. 

XXXX XXXX XXXX stated by letter he was not doing the case and it was sent over to Qualey law Group as stated by XXXX XXXX that the correction has been done and also stated by reply back from CFPB that its been updated in the courts and there has been no proof or court updates as I call the courts for updated information. there is also different amounts and not the correct amount showing for garnishment case XXXX I have a print out from XXXX showing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  {$120.00} for a total been paid of {$7100.00} There was error on XXXX XXXX XXXX has court credit giving for {$3000.00} in which the print out from XXXX XXXX XXXX shows {$3000.00} in which there was an error of {$43.00} was in error by XXXX XXXX XXXX There need to be correct amounts and not showing by XXXX XXXX as if I just started paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-21 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: Exeter Finance, LLC.
State: HI

Complaint narrative:
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: FC HoldCo LLC
State: HI

Complaint narrative:
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, TX 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 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
GM financial refuses to release our lien. On XX/XX/XXXX, I sent proof of the cleared check and copies of my bank statement to GM. I was assured our lien would be electronically released XX/XX/XXXX. My husband went to the DMV XX/XX/XXXX, they stated the lien had not been released. My husband 's contacted GM and they stated our payoff was reversed. We supplied for the second time, that the check had cleared our bank and provided statements for a second time. They stated that they received notification from my bank saying the check was not good. I work at the bank. I have proof the check was endorsed by thier institution, processed through thier bank and cleared my financial as PAID on the XX/XX/XXXX. We contacted GM again on XX/XX/XXXX and they refuse to provide answers because they don't make the decisions in " this department '' we have talked to a dozen people since Thursday XX/XX/XXXX trying to figure everything out. The automated system says our loan is paid in full and the title was released on XX/XX/XXXX however they will not tell us why they are refusing to release the lien. We have provided PROOF 3 days in a row that the check is paid. We have contacted the company, and are just short of filing legal action against the company if this does not get resolved. Attached is proof for the 4th time that the check had cleared and my bank statement showing the transaction for the withdrawal of said check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/2018 Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Credit Card Limit Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, Synchrony Bank did the same damage to my score to have my credit score drop many more points.

My XXXX credit card had a credit limit of {$1600.00}, to which I only had a balance of {$800.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When Synchrony made the decision to lower my credit limit from {$1600.00} to {$850.00}, Synchrony created the exact negative impact on my credit report that Synchrony claim to be against. Before Synchronys action against my excellent payment history with XXXX, I was at 50 % usage to my credit limit. Now that Synchrony Bank has lowered my credit limit, Im at a usage of over 90 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. Synchrony Bank actions have falsified my credit report to say that I am using over 90 % of his available credit when in fact I was only using 50 % of his available credit limit. 

With the facts being stated above, I am asking Synchrony Bank to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the Synchrony Bank is in the business to intentionally damage the credit scores of the XXXX credit card holders or any individual that make payments to them for their clients. 

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
Consumer complaint received 2018-04-21 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: Conn's, Inc.
State: TX

Complaint narrative:
Notified company that the information being reported is not accurate and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: Regional Management Corporation
State: TX

Complaint narrative:
Notified company that the information being reported is not accurate and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Notified the company that the information being reported was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. XXXX ID THEFT REPORT # 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 2018-04-21 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Notified the company that the information being reported was not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: CL Holdings LLC
State: TX

Complaint narrative:
Notified the company that the information being reported was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have sent Portfolio letters regarding this matter, I have ask them to send me a contract with them, that has my signature. They have failed to do so. They claim I owe them {$1100.00} from XXXX  XXXX. I don't believe I owe Portfolio money, They have put this as a collection on my 3 credit reports, With out a contractual agreement between me and Portfolio that would be Illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My wallet was stolen on XX/XX/2013 and someone has stolen my identity and obtained credit cards and loans in my name. I have filed police 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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account : XXXX Fraud ADDRESS : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX Outstand Balance : {$340.00} Victim : XXXX XXXX This submission is regarding a conversation I had with a XXXX XXXX XXXX XXXX  ( XXXX ) rep i had on XX/XX/XXXX. I was following-up on a case regarding stolen identity. 

Background : I moved from XXXX XXXX XXXX to XXXX XXXX  back in XX/XX/XXXX. Subsequent to my move, an unauthorized utility gas account was opened in my name on XX/XX/XXXX at the address listed above. Apparently, the individual failed to pay and XXXX filed a non-pay inquiry to the credit bureau Experian. On XX/XX/XXXX, I filed a complaint with XXXX  which is when I identified the fraud against me because I was applying for a mortgage in XXXX  and could not secure the loan due to the negative inquiry. I supplied XXXX with a police report at that time. Please note, according to XXXX customer relations, they received the credit report on XX/XX/XXXX but have yet to do anything. Back in XX/XX/XXXX, I was able to secure my mortgage loan due to that police report and I did not pursue following-up on the investigation of identity theft with XXXX. Now, on XX/XX/XXXX I was attempting to re-fi my mortgage and due to this inquiry on my credit report the mortgage company would not move forward with the re-fi. On XX/XX/XXXX, I reached out to XXXX to continue this follow-up from roughly two years back. I requested to have a XXXX supervisor contact me regarding this matter as well as provide me with the information taken when this account was set up. I have yet to receive any follow-up from XXXX regarding the matter. 

Important Note : The police report indicates the plaintiff company is XXXX XXXX XXXX but that's only because XXXX was bought out by XXXX since the time of the incident. 

My credit has been negatively impacted due to this issue thus preventing me from being able to refinance my mortgage or obtained a more favorable credit score.

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 2018-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
My wallet was stolen and my identity was stolen I didnt get a car with GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
I submitted a complaint about a collection agency called ADMIN Recovery LLC, about how they violated the FDCPA and their harrassment in trying to accuse me of owing a debt that is not mine. In response to the complaint, they were not truthful and stated incorrect responses. So my 2nd complaint report is to state that they lied about me not stating they have the wrong XXXX. On XX/XX/XXXX i received two calls and the first call i answered and they asked for XXXX XXXX and i stated you have the wrong number then the person stated no i dont and I repeated yes you do and I hung up. then the same person called again and i didnt answer. then this person called my father and sister, in which, only my father answered, and ADMIN stated to him that i breached a contract and he sent the letters to two addresses in which my father told him i never lived at those addresses and that you might have the wrong XXXX. Admin left a voicemail on my sisters phone. Then ADMIN called me again on XX/XX/XXXX, stating that i owed XXXX and that was in a breach of contract as of XX/XX/XXXX. And then like a week later is when I received a notice in the mail. So I called ADMIN, and i told them that i already told your company you have the wrong XXXX, I stated I never had a account with XXXX XXXX, I dont owe any credit cards and never had a credit card with that much money and I stated this is Fraud and you have me confused with another XXXX and I requested the phone number of the creditor. Then sent a letter to ADMIN for validation of the debt ... not cease and desist ... and i requested the validation just to prove to ADMIN that they have the wrong person. This complaint that im submitting is to prove that ADMIN is lying in their response to the previous complaint and to prove that they are harassing the wrong person, I called XXXX XXXX  and gave my social security number and there is no account with my personal information in their system. Therefore ADMIN Recovery are violating the FDCPA and giving false information to the CFPB.

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 2018-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When took out this loan it only covered a small fraction of the amount I needed to attend school and I was and am currently repaying for the loan. I am struggling to repay this debut due to the fact that I never received a degree I kept running out of financial aid funding. I dont mind paying for something I utilized but if I didnt receive the benefits of a degree that I feel Navient does not deserve my hard earned money. I have a family to support. I am a single parent and my daughter now wants to attend college and I cant even help her..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/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 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have submitted several debt validation and verification requests to Resurgent Capital Services over the past year. The most recent communication I have received from them was on XX/XX/XXXX that stated that they believe my request for debt validation was " submitted on a form supplied to you by a credit repair organization. '' And that they refuse to investigate it because it is " frivolous and irrelevant. '' On XX/XX/XXXX, the above stated company received a certified letter from me that was typed with my name printed in blue ink pen. As it has been 30 days since they have received my request and have yet to respond I would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief