vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: PA

Complaint narrative:
I thought to make a payment with XXXX XXXX where they told me to call the collections and I did and they both gave me the runaround when I called to make a payment they had lower the payment for me and I told him give me a couple hours to call back with my bank card and then Hey call back and they gave me another story that I had to pay higher amount when they clearly gave me a reference number of me paying XXXX instead of the XXXX so I attempt to try to make the payment and they did not except it because they change their mind about a different payment of me paying more when they clearly told me if I pay for XXXX everything will be cleared and they totally lied to me Im very upset because it couldve been all paid off but they lied to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I have never had XXXX and recently a bill showed up on my almost perfect credit report as in collections, I tried numerous times to reach out to the collections agency and file disputes for the item, and both types of attempts failed. I then gave in because Im trying to buy a house, to settle the debt to have them remove it from my credit report. Waypoint Resource Group made me pay the money even after I told them it was not my debt and knowing that they were not planning on removing it from my credit report. It is unfair that a debt that is not mines is negatively affecting my credit report and I would really like it removed. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and al debt listed on accounts XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
i sent all verified of receipts payed for services by XXXX XXXXXXXX to allied collections svcs they continue to say i how money which is not true. i have all receipts showing balance of {$0.00}. it has affected my credit score and i have tried to get this removed with no success.

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 2019-09-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to Equifax at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. Equifax and XXXX are still reporting fraud account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
There was a major tornado in XXXX Ohio on XX/XX/XXXX. My husband and I have a mortgage through Roundpoint Loan Services. We had a fire in our home in XXXX, a flood in XXXX and our homeowner insurance dropped us. We were not insured so the mortgage company placed forced insurance. 
We filed a claim and the forced placed insurance issued a claim for {$83000.00} to the mortgage company for repairs with {$10000.00} for recoverables. Our mortgage owed, not payoff was around {$93000.00} give or take. Our XXXX square foot home is a total loss. We have verbal quotes around {$200000.00} to fix and every contractor states easier to tear down and rebuild than to fix. 
I requested that Roundpoint uses the funds received to payoff the loan and eat the {$15000.00} since they under insured the forced placed coverage AND the property has PMI coverage, they will get their money but I dont feel we have to pay {$15000.00} because they under insured their forced placed coverage that we paid for. They called and told us no they will not use the funds to pay off the mortgage and has started sending foreclosure documents. Also we are actively seeking help from XXXX and the XXXX however this has been a slow process. 
Now the home is full of XXXX mold, they didnt tarp the home when we called the mortgage company. We called countless times asking for their insurance to help and our home is in worse shape. There should be no issue with them using the money in the escrow/ suspense account, pay off the loan while we are trying to get help with a loan to repair with the XXXX XXXX They are tearing up my credit by not using the funds to pay off the loan and I do not understand why my loan can not be paid off. Any assistance would be helpful

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 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit unions. Early Earning Services is aware that I am a victim of Identity Theft, yet they still have not removed it from my report. They have not even sent any documentation as to why they believe the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
In XXXX of 2016 I moved out of my apartment and across town to another complex With the move I signed up with a new electricity provider and called to cancel my service with XXXX XXXX XXXX. The following month I was charged for another month of service from XXXX XXXX at the old address and when I called them to ask about it they told me they did not disconnect the power and my best option was to put a stop payment on the extra month. I did so and now a debt of {$200.00} is with the collection agency Convergent Outsourcing Inc. I have tried explaining my position and even settling the debt to clear my credit report to no avail. I have never missed a payment on anything and before this incident my credit score was nearing 800. I wish I had documentation to help my argument but I was just a XXXX college kid at the time and didn't think my credit would get ruined by this.

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 2019-09-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX  Equifax mortgage XXXX XXXX XXXX XXXX Above companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was approved for a credit card with promotion but not knowingly denied promotion. At no time during the application or approval process I was informed I would not receive the promotion. I tried to proactively inquire when I was notified I was approved but the representative stated she did not have that information and would be available when I got the card. Needless to say I have no use for a new credit card with 15.99 % interest. I would have declined.

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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I sent the following letter to HSBC and now I am requesting CFPB further assistance : This letter is to request a Removal of my Negative Standing with HSBC for my credit card ending in XXXX, specifically the returned check status. HSBC negligently flagged my account with a returned check status without performing proper due diligence. In early XXXX, I was offered a promotion of a 0 % APR for 12 months. In order to take advantage of historically low interest rates, I made an attempt to exercise this offer by first paying off my current balance. A customer service representative notified me that my current balance was {$340.00} so I made the respective payment on XX/XX/2019. However, I quickly realized that this amount was incorrect & I immediately called my bank and cancelled this payment and re-issued the correct payment amount of {$380.00} ( see attachment ). I made this correction because I was misinformed by HSBC & as a result, my credit profile shouldnt be affected with a non-payment status. 
I was declined a credit limit increase due to the returned check status but I made significant amount of attempts to resolve this issue with HSBC. However, no one from customer service made efforts to research this mistake and flaw in the system and resolve this matter. 
Enclosures : 1. Copy of letter from HSBC denying me credit due to non-payment. 
I have sent a copy of this letter to the Consumer Financial Protection Bureau & have requested their assistance with this matter as I have exhausted all of my resources as a customer. 
I am requesting that HSBC remove the returned checks status from my account ending XXXX so that we can proceed with a credit limit increase as my XXXX score is significantly high. 
XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2016, XXXX XXXX XXXX reported a medical balance in the amount of {$2800.00} to all credit reporting bureaus through their collection agency R.S. Clark and Associates. 
This happened after repeated attempts by me to contact them about a procedure that was botched by the doctor. R.S. Clark and Associate sent several letters to me threatening to report it to the credit bureaus if not paid in full, which they did. 
I went in to XXXX XXXX office for one XXXX  on my knee and was talked into having 5 procedures on my XXXX  ( as a medical necessity according to XXXX XXXX ). He was paid over {$11000.00} for these procedures and during the last procedure ( which happened to be the only one I asked for ), he failed to completely numb the location or remove the XXXX XXXX ( which was XXXX ). I went back and told them and was ignored. I have before and after pictures showing no change, just bruising. I am not going to pay for a failed result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have had a lease for a car for my daughter for three years through JP Morgan Chase. I was 60 days ahead of all scheduled monthly payments throughout the initial lease period. In XXXX, my daughter decided to extend the lease for 6 months. She was informed by Chase, that the payments would remain the same. Nothing more was disclosed. 

I had a credit monitoring service just inform me that my credit score took a hit due to JP Morgan finance. I immediately called chase over the Holiday Weekend and they were closed. I called today, Monday,   XX/XX/XXXX and was informed that when the lease was extended, new payment arrangements had to be set up. I was never informed of this via letter or otherwise. I asked Chase today, why didn't they call me to inform me of late payments. They stated they have 'too many accounts ' and 'we don't always call. But we do send a letter '. 

Interestingly, today I received a letter from chase stating I was behind on payments. I already settled the matter this XXXX, and when I inquired as to clearing the delinquent reporting to credit bureaus, Chase stated we can't do anything for you '. they stated that I was told on XX/XX/XXXX 'that new payment arrangements must be made ' ( I never talked to anyone, my daughter took care of the lease extension ). I was told that there were details involving the conversation ( that I never had w chase ) so, I asked if Chase would mind sending me the recorded conversation. I was told 'this would not be possible '. 

So, I now have a derogatory credit report from a company where I made payments 60 days early for three years and when they extended the lease, and didn't receive new payments because I didn't know I needed to reschedule payments, Chase now reports me delinquent for {$100.00}, and they won't access the alleged call where anyone was notified of the new payments needing to be scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting an invalid debt in the amount of {$1300.00} on my Equifax Credit Report. This debt has a medical service date of XX/XX/2013. The Statute of Limitations to be sued for Florida is 5 years. This company XXXX XXXX XXXX is illegally reporting a negative item on my credit report. They have no right to collect. I did not agree to do business with them. My Equifax credit score has dropped by XXXX points. XXXX XXXX XXXX has harassed me with multiple phone calls throughout the day. This month I have disputed XXXX XXXX XXXX 's negative item 3 times on Equifax and all three times the negative item was not removed. Equifax has be negligent with its investigation practices.. XXXX XXXX XXXX has violated the FDCPA [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Equifax has not done a proper investigation and I have been told multiple time by Equifax representative that they are using an automated system and that Equifax relies on the Collection company to verify the debt. Equifax is using the E-Oscar system I believe they are violating the FCRA by not conducting a reasonable dispute. 

XXXX Direct disputes. 

Conduct a reasonable investigation with respect to the disputed information ; Equifax should have this negative item deleted. XXXX XXXX XXXX has not right to try and collect this debt and not right to be reporting any information about me. They a debt scavengers that violating credit laws. Equifax has done nothing to correct this issue. 

I want this negative item deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card 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: OH

Complaint narrative:
XX/XX/2019 I received a letter saying I was being sued for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loan is supposed to be deferred until six months after I graduate. That would be XXXX. However I finally get a voicemail from them and get access to logging in the portal and somehow they are behind? They also show the payment starting on XX/XX/19 but its XX/XX/19 today and Im behind three months. I will not tolerate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: PA

Complaint narrative:
I have reached out to XXXX  at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. XXXX  and Experian are still reporting fraud 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 non-monetary relief
Consumer complaint received 2019-09-03 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: PA

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Above  companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.

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