vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I HAVE THE XXXX  CREDIT MONITORING MEMBERSHIP THAT I PAY FOR MONTHLY AND I NOTICED ON MY XXXX  REPORT (CBE GROUP  XXXX XXXX XXXX XXXX IA XXXX  PH#XXXX)(XXXX XXXX ON MY CREDIT FILE. STATING THAT THIS ACCOUNT WAS OPENED ON XX/XX/2018, WHICH IS TOTALLY NOT MY ACCOUNT AND I HAVE NO IDEA WHO DID THIS. SO I IMMEDIATLEY CALLED CBE GROUP @XXXX SPOKE W/ REP THAT WOULD NOT HELP ME. I SIMPLY ASKED FOR THE DEPARTMENT THAT HANDLES WHEN INCORRECT INFORMATION SHOWS UP THAT IS NOT MINE DID SHE HAVE A CREDIT VERIFICATION DEPARTMENT OR A FRAUD DEPARTMENT EMAIL/AND OR FAX # SO THAT I CAN SUBMIT A COPY OF MY EXPERIAN CREDIT REPORT ALONG W/MY DRIVERS LICENSE AND SSCARD TO PROVE THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER GONE BY ANY OTHER NAME OR LIVED AT ANY OTHER ADDRESS OTHER THAN THE ADDRESS LISTED ON MY DL. THE REP TOLD ME THAT THEY DO NOT HAVE A DEPARTMENT LIKE THAT! THEN THE REP ASKED FOR MY SSN AND TRIED TO USE TRICK TACTICS FOR ME TO AGREE THAT THE ACCOUNT IS MINE. I TOLD HER THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER HAD THESE SERVICES. THE REP KEPT ASKING ME AND I KEPT SAYING NO! PLEASE PROVIDE ME WITH THE FAX# AND OR EMAIL JUST SO I CAN SIMPLY SUBMIT A LETTER AND PROVIDE THE DOCUMENTATION PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! THE CUSTOMER SERVICE REP PLACED MY CALL ON HOLD NUMEROUS TIMES AND TOLD ME THAT THEY DO NOT HAVE A FAX#, AN EMAIL ADDRESS, OR A MAILING ADDRESS THAT SHE COULD PROVIDE TO ME. AND SHE SAID THIS IN A VERY NASTY WAY BECAUSE I WOULDNT SAY THE ACCOUNT WAS MINE, IT IS NOT!. I IMMEDIATLEY SEARCHED THE WEB AND FOUND COUNTLESS CUSTOMER REVIEWS ABOUT CBE GROUP & XXXX XXXX/XXXX XXXX  STATING HOW THEY USE TRICKY WAYS TO PLACE THINGS ON YOUR CREDIT FILE AND WILL NOT OFFER YOU ANY HELP TO REMOVE INCORRECT ITEMS. I ALSO SAW A REPORT ON A CLASS ACTION LAW SUIT AGAINST THE CBE GROUP AND TERRIBLE REVIEWS FROM THE "XXXX" LISTED. BUT I THEN CAME ACROSS THE NAME OF XXXX XXXX   (CHEIF ADMINISTRATIVE AND INFORMATION OFFICER aka:cheif client officer) I CALLED HIM TODAY @XXXX AND HE DID NOT HELP ME BUT ROUTED ME RIGHT BACK INTO THE DIRECTION OF THE XXXX NUMBER EVEN AFTER I EXPLAINED ALL THAT I HAVE JUST BEEN THROUGH WITH THE TERRIBLE/RUDE CUSTOMER SERVICE HE TOLD ME THAT HE WOULD NOT HELP ME!. HE TOLD ME THAT HIS COMPANY DOES NOT HAVE EMAIL AND HE WOULD NOT HELP ME WITH THIS, I VERIFIED HIS EMAIL FROM THE "XXXX" IS (XXXX).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I sent out a letter in XX/XX/XXXX to R.A. Rogers Inc. for them to validate a debt that is currently being reported on my credit file as I sent out one in XX/XX/XXXX and never received a validation. I received a letter in XX/XX/XXXX saying they sent out one previously and will not be sending out another letter to validate the debt but has stated that they will ignore all other request from me that I send to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Comonwealth Financial Systems didn't send any correspondence to me in reference to this debt. I have disputed the debt through credit agencies and have sent them letters requesting verification including original bill/signature and haven't received anything from this company. Commonwealth isn't bonded in the State Of Georgia to collect debts..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} Rpm ( RECEIVABLES PERFORMANCE MGMT ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened on XX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX hasn't sent any correspondence, nor have they responded to letters sent in reference to a debt claimed. Date opened XXXX for XXXX. I've disputed this debt through credit agencies, however the debt was updated. I've asked fro verification including original contract/signatures and that hasn't happened.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: COMMERCE BANK
State: MS

Complaint narrative:
A Credit Card account with Commerce Bank in my name appeared on my Credit report as having been opened onXX/XX/XXXX, after I had applied for and I assume was approved for by them. The problem is it is now XX/XX/XXXXand I have not received the card. I am worried it may be lost in the mail and I do not want it to be used fraudulently. I have attempted to contact someone at Commerce who can confirm the fact that the card was actually mailed and that it may be lost. I have emailed them 5 times, but they refuse to acknowledge or answer my emails. I can not understand this lack of concern on their part and do not want my identity compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX hasn't sent any correspondence in reference to this debt and hasn't responded to the letters sent. The debt was opened XX/XX/2015 for {$630.00}. I've sent correspondence requesting original contract/signature and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Loan amount is currently less than 80 % of original value and 12 months old. Lender is stating a seasoning requirement of 24 months and evidence of improvements. Photo of newly constructed deck was provided to lender. Lender has not responded to request and new monthly statement contains PMI amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX  ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2017, I contacted Wells Fargo and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing Wells Fargo business practices. 

It has come to my attention that Wells Fargo has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. 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 non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates hasn't any correspondence in reference to this debt opened XX/XX/2015 {$750.00} and hasn't responded to my letters sent. This company isnt bonded in Georgia to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was advised to close my account because someone wrote a check And forged my signature a {$44.00} check I opened another checking account with new number and closed the old account Being a senior citizen ( XXXX ) and knowing almost nothing about banking I asked and thought I was told my bills coming in to my old account would be sent to my new account Boy was I in for a surprise all 20 or more bills automatically send to my old account were returned as account closed I was hit with returned check fees galore and the worst was gas company who threatened to turn of my gas and pay only in cash No checks I incurred many late fees $ XXXX- {$37.00} because of this Times 20 my fixed retirement income will not support this at all

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 monetary relief
Consumer complaint received 2018-03-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Regarding recent credit file confirmation number : XXXX My name is XXXX XXXX and I recently received my Equifax credit file and noticed that there is still a major problem despite me having sent your dispute letters and account holder having sent you a police report for identity theft. The XXXX XXXX XXXX Account is NOT mine and it is NOT my charges that add up to that amount. ALL those charges were fraud and we filed an identity theft and police report and sent you copies. Now please remove that negative trade line from my credit file or else I will have to file an FCRA lawsuit against Equifax. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: SC

Complaint narrative:
MY PROBLEM IS WITH EXPERIAN CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED EXPERIAN 'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME.

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 2018-03-28 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX my dispute of 2 questionable reportings from Chase Bank via certified mail # XXXX and # XXXX was signed. The account is being reported as charged off for {$5400.00} and {$3700.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of these accounts that are being reported to all three credit bureaus.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have been mailed statements ( with no signatures ). I mailed 2 more certified letters via certified mail # XXXX and # XXXX and they were delivered XX/XX/XXXX requesting the validation. 
Please see attached dispute and supporting docs. My dispute requested that Chase Bank provide the substantive information used to verify and authenticate the purported account. The failure to report the items " disputed '' with in 30 days constitutes an immediate removal of this item from my credit report ( time stamped credit reports 31 days after Chase Bank signed for the certified letters ). Per federal regulation these items must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: The CBE Group, Inc.
State: SC

Complaint narrative:
MY PROBLEM IS WITH XXXX CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED XXXX  'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Yesterday XX/XX/XXXX18 I tried to apply for an income based repayment plan. I went to student loans.gov. However the link to IRS did not work. I seem to remember this was a problem last year. I this still a problem? I was able to upload information to my to Navient as a paper application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. 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 2018-03-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NY

Complaint narrative:
On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. 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