vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on my credit report. BUT, one account XXXX thru XXXX XXXX XXXX, CEO, SOLD my account to LVNV, LLC. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My XXXX balance was reported to the Management of XXXX, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But XXXX did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with LVNV my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX XXXX. It was thru XXXX XXXX. XXXX may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru XXXX XXXX. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: CA

Complaint narrative:
fraudulent accounts 1. XXXX XXXX/XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX 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 2020-01-12 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: CA

Complaint narrative:
fraudulent accounts 1. XXXX XXXX/XXXX XXXX ( XXXX XXXX , XXXX XXXX Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX CARD SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XXXX XXXX XXXX. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX XXXX. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX DXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: GA

Complaint narrative:
Multiple unauthorized access to credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
On or about XX/XX/2019 PDQ Services INC located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX Placed a debt on my credit report that does not belong to me, I was never contacted by this company or received any correspondences from PDQ SERVICES INC I have never heard of them this negative account that was placed on my report does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Sometime in XX/XX/XXXX I bought a prepaid Visa MyVanilla card for XXXX $ plus the initial fee. The card was kept in its packaging and brought with me between then and XX/XX/XXXX. In XXXX, I attempted to register the card, and was unsuccessful. I tried to do so over the phone, and was told that 13 months worth of inactivity fees had been charged. The packaging only states the cost of the initial fee, ATM fees, reload fees, and balance inquiry fees- it does not disclose inactivity fees nor did it contain a cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on  my credit report. BUT, one account BELK thru Synchrony Bank-XXXX XXXX, CEO,  SOLD my account to XXXX, XXXX. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My BELK balance was reported to the Management of BELK, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But BELK did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with XXXX my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX Bank. It was thru Synchrony Bank. Belk may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru Synchrony Bank. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, 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 2020-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
We filed bankruptcy in XXXX and XXXX respectively. I filed first, then my husband. The mortgage was not a part of the bankruptcy. We filed bankruptcy due to an overwhelming amount of medical bills not because of erroneous debts. Once bankruptcy filed, Selene took more than 30 days to process a personal check for the mortgage. Prior to bankruptcy we would pay the mortgage over the phone. Once we filed, Selene no longer allowed this payment option. After writing and calling them with no response, we started sending mortgage payments by money orders. I saved every receipt, however my purse was stolen/misplaced and I can't find those. I started paying by certified bank check some months ago. We got a notice that the mortgage was behind, so I had XXXX XXXX XXXX trace the certified checks. Only one or two had been processed and the others, months old, were still hanging out there. XXXX  XXXX XXXX cancelled them and refunded my money and we started paying through automatic bank draft. Those payments are well documented. We are being XXXX XXXX XXXX my Selene to vacate the home so that they can foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
ON XX/XX/XXXX I FILED CHAPTER XXXX BANKRUPTCY WITH ATTORNEY AT THE EASTERN DISTRICT COURT. CAPITAL ONE AUTO FINANCE RECEIVED A ELECTRIC TRANSCRIPT FROM THE BANKRUPTCY COURT ON THIS MATTER ON XX/XX/XXXX. I HAVE RECEIVED MY DISCHARGE FROM BANKRUPTCY ON XX/XX/XXXX AND ONCE AGAIN CAPITAL ONE RECEIVED NOTICE FROM THE BANKRUPTCY COURT ON THIS MATTER. ON MY XXXX XXXX CREDIT REPORT DATED XX/XX/XXXX IT SHOWS THAT CAPITAL ONE AUTO FINANCE BALANCE XXXX DATE UPDATED XX/XX/XXXX PAY STATUS ACCOUNT INCLUDED IN BANKRUPTCY AND IT SHOWS DATE CLOSED XX/XX/XXXX. SO ONCE XXXX XXXX RECEIVED INFORMATION REGARDING THIS ACCOUNT THEY WENT AHEAD UPDATED THIS ACCOUNT AS INCLUDED IN BANKRUPTCY AND CLOSED THE ACCOUNT SINCE IT WAS PART OF MY BANKRUPTCY AND IT WAS GOING TO BE DISCHARGED.. I HAVE RECEIVED ALERT FROM XXXX XXXX THAT ONE MY ACCOUNT HAD A CHANCE I HAVE A MONITORING ACCOUNT WITH XXXX XXXX SO IF I HAVE ANY CHANGES ON MY CREDIT REPORT I WILL GET NOTIFIED ABOUT IT, SINCE XX/XX/XXXX I NOTICED THAT CAPITAL ONE AUTO FINANCE WILL UPDATE THE BALANCE AS XXXX ON THE ACCOUNT EACH MONTH. WHY WOULD THEY UPDATE A DISCHARGE ACCOUNT THAT WAS INCLUDED IN BANKRUPTCY EACH MONTH. I CONTACT XXXX XXXX TO FIND OUT AND THEY SAID I COULD OPEN A DISPUTE WHICH I DID AND I EVEN OPEN A DISPUTE WIWTH CAPITAL ONE AUTO FINANCE. JUST LAST YEAR ON XX/XX/XXXX CAPITAL ONE AUTO FINANCE CHANGE THE DATE CLOSED DATE TO XX/XX/XXXX. SO ONCE AGAIN WHY WOULD THEY CHANGE A DATE ON ACCOUNT THAT WAS DISCHARGE 3 YEARS LATER. I OPEN A DISPUTE WITH XXXX XXXX ON THIS MATTER NOT ONCE BUT SEVERAL TIMES AND I REACH OUT WITH CAPITAL ONE AUTO FINANCE ON THIS MATTER WITH NO LUCK THIS ACCOUNT IS PART OF MY CHAPTER XXXX BANKRUPTCY THAT WAS DISCHAGE ON XX/XX/XXXX THAT IS 3 YEARS AGO AND WHY WOULD THEY UPDATE ACCOUNT TO MAKE MORE CURRENT. ARE THEY TRYING TO RE AGE A DISCHARGE ACCOUNT TO MAKE MORE CURRENT.. IN THE LETTER THEY SENT ME THEY STATE THEY ARE REPORTING CORRECT TO THE CREDIT BUREAU WHICH IS NOT TRUE, IT THE JOB OF THE CREDITOR TO REPORT 100 PERCENT TO THE BUREAU. I FORMALLY REQUESTING .THAT CAPITAL ONE AUTO FINANCE VALIDATE THIS TRADE LINE WITH XXXX XXXX UNDER ACCOUNT NUMBER ENDING XXXX. DUE TO POSSIBLE INACCURACIES IN THIS CREDIT REPORT I DEMAND THAT THE VALIDATION I HEAEBY REQUEST BE IN THE FORM OF A VERIFIED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY WAS NOT A PROFIT LOSS TAX DEDUCTION. I NEED TO SEE ALL DOCUMENTS ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
I received a letter dated XX/XX/2020 from a Synergetic Communication , Inc. that says they are trying to collect debt originally owed to XXXX but now owed to XXXX XXXX XXXX , XXXX. It is in the amount of {$250.00}. I do not owe any debt to XXXX, something I verified by calling XXXX and speaking to customer service representatives and a representative from the Recovery Department. My credit reports back this up. 

The letter states that unless I dispute the validity of the debt, the collector will assume the debt is valid. I don't think that is legal since I never owed the debt in the first place. 

The letter states that I can request in writing that the debt be disputed and that they will send me a copy of the judgment or verification. It also says I can request the name and address of the original creditor. I plan to do both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank was excessively charging me overdraft fees Of {$34.00} before the company policy time. The time I was informed from employees was XXXX est. I called in today XX/XX/20 to inquire about a overdraft fee that occurred after XXXX on XX/XX/20 and the employee told me the time is the bank access fees XXXX. This has been going on for awhile and Chase misinformed consumers to get extra money. The bank employees say different time and makes the consumer look like liars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The company name is XXXX XXXX XXXX. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.

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 2020-01-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I HAVE BEEN CONTACTED ONCE AGAIN BY : CENTRAL PORTFOLIO CONTROL XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, MN XXXX WITH A LETTER DATED XX/XX/19. I HAVE FILLED A FORMAL COMPLAINT AGAINST THEM IN WHICH THEY HAD AGGREED TO A CEASE AND DECIST HOWEVER STILL RECEIVED A LETTER WITH INACCURATE INFORMATION ATTEMPTING TO COLLECT ON A FALSE CLAIM. AS I HAVE STATED NUMEROUS AMOUNTS OF TIMES I DO NOT OWE ANYTHING TO XXXX XXXX XXXX XXXX IN FACT THEY OWE ME FOR HAVING ME PAY FOR MY XXXX XXXX  AND XXXX  XXXX, AND COMPLETELY ROBBING US OF OUR OVERAL SCHOOL XXXX EXPERIENCE. THE LETTER SENT STSTES AN AMOUNT XXXX OF WHICH I DO NOT OWE SINCE I WAS PAYING COMPLETELY OUT OF POCKET TO AN AGENCY WHICH RECEIVED PAYMENTS FROM THE SCHOOL I HAVE ALREADY SENT THEM A LETTER FROM THIS AGENCY XXXX IN WHICH THEY STATE NO MONEY OS OWED AND ACCOUNT HAS BEEN CLOSED. ATTACHED IS THE LETTER FROM A : CURRENT CREDITOR '' XXXX XXXX XXXX XXXX. I DO NOT OWE ANYTHING AND THE PAPERS WHICH THEY SENT SIMPLY DOES NOT STATE WHAT THEY CLAI I OWE IN THIS FALSE ILLEGAL SCAMCLAIM THEY HAVE FABRICATED. FIRST THEY SENT INFO WITH A YEAR I DID NOT GO TO SCHOOL THERE NOW THEY SEND THIS WITH IINFO PERTAINING TO PAYMENT SCHEDULE ETC. IF I HAD NOT PAID XXXX WOULD NOT STSTE ACCOUNT CLOSED NO MONEY OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
XX/XX/2020 XXXX Optima recovery services llc I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of Optima recovery services LLC first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called XXXX XXXX XXXX to settle my debt and they said they'd get back to me and they never did. I will not be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2019, I was notified by the credit bureaus XXXX, XXXX and XXXX that capital one placed a late payment on my account. I have no accounts with capital one indirectly. The account that was reported late was a walmart card through XXXX XXXX. The card walmart card that received a late pay is closed and all payments for the walmart card is handled through a company called XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX mailed out the payment to XXXX payment center and when the payment was returned they reached out trying to find out why the payment was returned and they were told that XXXX was brought out by capital one and all payments should be directed there. Myself or XXXX never received a letter of stating that the payment address was changed therefore payment was made to the previous payment mailing address as usual. The company is reporting a closed account as a late payment and this is not the case. I have no direct contract with capitalone, if capitalone brought a credit contract out it is their responsibility to send the new payment details to it's clients. This account is not accurate and has reported to my credit report an error. No contract can be verified by this company. I have never had any late payments in my life this is not true what they did. I contacted capital one on this matter XX/XX/2019 spoke to a XXXX who tranferred me to XXXX and XXXX suggested I speak with rich XXXX I contacted rich on XX/XX/2019 and again XX/XX/2019 and no reponse. Hope you can help. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: AVANTE
State: FL

Complaint narrative:
This company AVANTE XXXX is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, AVANTE XXXX   did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thrive National Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of XXXX XXXX XXXX XXXX first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called national fitness center to settle my debt and they said they'd get back to me and they never did. I will not be harassed.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
The company name is Wakefield and Associates. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.

Company response to consumer: Closed with explanation