vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CA

Complaint narrative:
I have previously contacted CFPB ref:XXXX-XXXX as of XX/XX/2019 the respondent has Sold the Debt to L J Ross Associates In. 

Reported By L J Ross Associates In XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/2019 Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Again, Multiple Letters have been sent to XXXX, and their collection representatives now AT LEAST 5 times ( including over 30 phones calls in the last 2 years ). I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sent Via USPS TRACKING XXXX ADDITIONALLY : I HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of 2019 THAT THE ACCOUNT USED IN QUESTION WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Step 1 : What is this complaint about? A derogatory mark ( late payment ) was placed on my credit report. I was not responsible for the payment per court order after my recent divorce. This late payment ha

s harmed me and is a deformation of my credit character. It needs to be immediately remove d. My credit score dropped 83 points after this derogatory mark was placed on my report. It has impacted my financial future by causing me to be denied a loan on an investment property. Step 2 : What type of problem are you having? The derogatory late payment mark needs to be removed from my credit report. It has impacted my score significantly and I am not and was never responsible for the payment on the house that was awarded to ex-wife after court order. ( See divorce decree ) Step 3 : What happened? I was recently divorced. The court order in the divorce decree
awarded my ex-wife the house and stated that my ex-wife and ONLY she would be responsible for the payments and any fees incurred concerning the awarded house. The court order also stated that all payments must remain current by ex-wife as they had been previously when I paid the mortgage for the previous two and a half years. 

Step 4 : What company is this complaint about? M & T Bank Step 5 : Who are the people involved? The employee or supervisor in charge of submitting the late payment in which I was not and is not responsible for. I have called M & T Bank several times and sent in a letter, and the late payment is still listed on my credit report. It is the only payment that shows late on my report in which by court order I was not and I am not responsible for the late payment. This late payment needs to be removed from all three credit bureaus immediately. I would not like to be denied another loan in the future for something I was not responsible for per the court order. Had I been ordered by the court the responsibility of the payment I would have made them on time as agreed as I have done with all of my financial obligations.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a an incorrect reporting on my credit file from all 3 credit bureaus Equifax, XXXX, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute XXXX XXXX XXXX XXXX on my credit report. The Highest balance listed on the account is incorrect. Please delete the account.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, XXXX, and Transunion of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " The Bureaus ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, Experian, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.

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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I received a letter from Phoenix Financial Services ( Debt Collection Agency ) on behalf of XXXX XXXX XXXX XXXX ( Debt Collection Agency ) dated XX/XX/XXXX for a workers comp balance billing in the amount of {$650.00}. Workers comp paid {$300.00} to the original creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX. The amount that was paid to the original creditor was based off of a fee schedule. According to the statutes, I can not be held responsible if the workers comp carrier has not paid a bill in full even if the provider demands it. Further, if a healthcare provider has accepted partial payment from the workers comp insurance carrier, it can not send me a bill for the remaining amount of the medical bills. It is against the law and this form of practice is prohibited. Phoenix Financial knowingly reported false information to all three credit reporting agencies ( XXXX/XXXX/XXXX ) which has impacted my credit score exponentially. I am reaching out to you for assistance because I was not able to resolve this matter on my own. If all else fails, I will seek legal representation because my rights as a consumer have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XX/XX/XXXX I filed bankruptcy and had all accounts sans educational loans discharged. In XX/XX/XXXX I noticed that a former creditor XXXX XXXX XXXX continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on 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 2019-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased the vehicle while attending college back in 2011. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years and still attending college I lost my job and was unable to regularly maintain paying my car note. I contacted the creditor and informed them of my situation and they were unconcerned to say the least. I was threatened with late payment and repossession. At XXXXne point my vehicle was physically taken but never repossessed. I payed the owing balance then unknowingly I was credited a second time as if I received a new car when I received the vehicle back. I've disputed the multiple lates and multiple Ally account created due to the misreporting of information. I am hoping to have the closed account to be totally removed from my credit history.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best buy MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX discharged. In XX/XX/XXXX I noticed that a former creditor Budget Control Services continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX  discharged. In XX/XX/XXXX I noticed that a former creditor XXXX XXXX XXXX continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on 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 2019-09-07 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: NC

Complaint narrative:
A debt was reported on all of my credit reports from Account Resolution Services in the amount of {$730.00} open on XX/XX/2019. I sent a HIPAA authorization and a validation to this company on XX/XX/2019. They started calling me everyday, different times of the day after receiving letter. I also checked my state 's secretary and this company is not licensed in North Carolina to collect. They also sent me a bill for a hospital in XXXX, NY I have not been to nor does have my name as the patient seen at this hospital.

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 2019-09-07 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: Byrider Franchising, LLC
State: CO

Complaint narrative:
XXXX XXXX we financed a XXXX XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XXXX XXXX the XXXX dies out on XXXX practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XXXX XXXX they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next day XXXX XXXX we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XXXX XXXX the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XXXX XXXX we go in to voluntarily surrender the Jeep due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then JD Byrider later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX I deposited a check and when I wake up the next day my account is in the negative. {$1800.00} I bank with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint with your agency ( complaint ID XXXX ) regarding a lost check of {$660.00} not being applied to my NMAC account and my credit score reflecting this. The company sent paperwork XX/XX/XXXX stating the issue was resolved and I was satisfied because my report showed a {$0.00} balance. Unfortunately, after your agency closed your investigation, NMAC doubled back into my XXXX credit report and reported a late payment for XX/XX/XXXX, which is damaging to my credit, as late payments stay on your report for 7 years. The car was totaled on XX/XX/XXXX and in XX/XX/XXXX i was still fighting to have them credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am a XXXX of students with XXXX for over a decade. I was assured multiple times by multiple people at FedLoan Servicing that I was signed up, on-track, and making payments towards the Public Service Loan Forgiveness ( PSLF ) I am eligible for. In fact, the only reason I am with this loan service at all is because I signed up for this loan forgiveness opportunity. But then I received an email on XX/XX/XXXX alerting me that my payments would no longer count towards my loan forgiveness if I did not update to a different repayment plan. I emailed and called customer service ( several times ) for next steps, only to eventually learn that I have not been signed up for the forgiveness plan since XX/XX/XXXX! Therefore, they told me none of my payments had counted! If that's true, I will end up needing to pay off my entire student loan before I would be eligible for forgiveness! But I had been reassured so many times that it was alright. When I went back to school in XX/XX/XXXX, my loans automatically deferred. I called back then in a panic thinking that this might ruin my loan forgiveness, but the representative then assured me that wasn't the case and even passed me on to a PSLF specialist to be sure. The customer representative I spoke to on XX/XX/XXXX, although professional, did not have anything to say for the company or for my astonishment and complaints other than he can not speak for someone else. How can it suddenly change like that? Why do none of my previous payments count anymore? Why did several representatives all assure me I was on track if I wasn't? I feel scammed and betrayed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This company never wrote to me about the hard inquiry. The complaint was closed because I did not respond in time. I'm sorry about that, but I am making the same complaint again. The company is : XXXX XXXX XXXX Inquiry  from XX/XX/2019 2019

Company response to consumer: Closed with explanation