vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 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: OK

Complaint narrative:
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says 11 XXXX / 11 XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

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 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I received a derogatory mark on my credit reports in XX/XX/XXXX from XXXX XXXX aka Resurgent Capital Services. The alleged account was opened in XX/XX/XXXX and is now being reported as collections all these years later. I never received written communication about this or the opportunity to validate or dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: SIMM Associates, Inc.

Complaint narrative:
Additional information for CFPB complaint # XXXX about XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, XXXX responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from XXXX the account was charged off and transferred to SIMM ASSOCIATES, INC See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: Hillcrest Davidson & Associates
State: KS

Complaint narrative:
The salesperson for XXXX XXXX XXXX said their company would buy out my existing security system contract. They did not. I was approached at my home by two salesmen from XXXX XXXX XXXX on Saturday, XX/XX/XXXX. I told them I had a security system ( XXXX ) and my contract was in effect until XXXX, XXXX. The main salesman assured me that XXXX would take care of the switch/buy-out my contract, etc., with XXXX and that I need do nothing. I agreed to switch companies, signed a digital copy ( no paper contract was received ), they installed the equipment, and a few days later, the monthly fee was deducted from my bank account. It wasn't until a couple of weeks later, when the XXXX monthly fee was deducted did I realize there was a problem. I contacted XXXX and they knew nothing of the switch. XXXX also claimed I had made a verbal agreement with them in XX/XX/XXXX to extend my contract. ( I had no recollection of this, but that is another story. ) A XXXX technician came to my home to uninstall the XXXX XXXX equipment, which I still possess, and install new XXXX equipment. After multiple conversations with both companies over several weeks, I forwarded the buy-out statement and new contract with XXXX to XXXX XXXX. XXXX XXXX contended I still owed them money and on XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, from a collection agency representing Fluent Home, stating that I owe them {$2600.00}. I called the called the agency and was given the offer to settle for {$1700.00}. I was also told that since XXXX salespeople work on commission, they can tell the customer anything to get them to sign up, and the company has no obligation to stand by the salesperson 's word because it is not in the contract. I did not receive a paper copy until I requested one from the company weeks later. I offered to pay 40 % of the amount they are requesting, mainly because I was too trusting and completely foolish, however, they provided me with only three weeks service, which I paid for. I consider what they are doing to be extortion and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XX/XX/2017 {$850.00} I have filed a compliant against the collection agency on the XXXX website using the following sentences : Complaint Description. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection this debt from XXXX XXXX. I am not responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I have 3 credit card accounts that I accumulated late fees due to XX/XX/XXXX XXXX making my payments late. Two of these waived the fees and I thought that meant it was WAIVED period. I then deducted the fee amount and paid the balance required for the month. I contacted all 3 and the 2 I tried resolving said, even though I said I was never told such, the fee and interest to boot is applied to my balance thereby increasing my next month 's payment substantially. These 2 accounts are one with Walmart and one with XXXX XXXX. Synchrony Bank at this time is looking into the Walmart account. The XXXX XXXX is XXXX who specifically said only 1 waiver a yr can be. I sent a letter to their dispute office ( md. ) on XXXX and never received a response. I spoke today with them and there are no phone # 's to reach anyone, I was told to do what I had to. I have several traumatic XXXX XXXX and receive limited income on the 3rd of each month and mail all bills the same day or a few days ahead, but dated the 3rd. If an individual is consistent and I also changed all payment due dates as well to avoid any issues in the future, and can not pay a late fee, how can they then pay an additional one plus interest that these companies decide will be added to the balance, but still increase a person 's monthly amount due. I never in my life heard of such a thing, if a courtesy was given a late fee was removed PERIOD, I am not sure what this type of thing is that is being done but it scams people out of more money and they are not giving their consumers any courtesy. I find this to be not quite fair or above board. I would like some assistance please as my ability to afford such is simply not there. 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 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a purchase from XXXX for {$1800.00} on Friday XX/XX/XXXX Selected to pay with my XXXX card Once selected there were 3 types of payment available to select 1 ) 5 % rebate 2 )  Special Financing ( interest free for period 6, 12 & 24 months ) if paid within period 3 ) 24 Equal monthly payments ( See Document # 1 ) The transaction was accepted and instead of being charged 1/24th on the total transaction ( XXXX ) my XXXX card was charged the entire amount of {$1800.00} putting my card {$1000.00} in the red ( See document # 2 ) On Saturday XX/XX/XXXX I called XXXX to find out what is going on and was transferred to XXXX XXXX and I was repeatedly transferred back an fourth between XXXX and XXXX XXXX. No one including managers from both XXXX & XXXX XXXX were not able to tell me the difference between option 2 & 3. This is clearly a case of deceptive business practices and deceptive financial advertising. Buyers be aware that when making a large purchase on XXXX and when you choose to use your XXXX XXXX card to pay and choose the 24 EQUAL MONTHLY PAYMENTS OPTION be prepared for your XXXX card to be charged the FULL AMOUNT of the transaction instead of the first payment of 24 payment like the option states.. XXXX XXXX is clearly attempting to deceive the consumer and try to hide it with equating both options 2 & 3 as the same!! Lastly I would like to note that all the reps I spoke to, including managers, at XXXX XXXX did not want to hear or listen to anything I or the XXXX supervisor had to say trying to get to the bottom of this issue with 3 way phone conversations we had on Saturday XX/XX/XXXX. All XXXX reps including supervisors were clueless and kept referring me back to XXXX XXXX putting me on and endless nightmare merry-go-round of finger pointing without any resolution. I spent 4-5 hours on XX/XX/XXXX & XX/XX/XXXX trying to resolve this issue with no results!!

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 2018-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
Borrower experiencing hardship since XX/XX/2017 but found that property was not marketable at a price that would satisfy loan in full so started the short sale process. Property was under contract with 'conventional loan ' purchaser. Due to the lengthy process buyer asked to be released from the contract. Parties were told that HUD denied the offer because of the 3 % closing help but we were told later that file was denied because short sale application package was not complete. Meanwhile, Seller relocated thinking they were closing because nobody could get the story straight and XXXX XXXX   vendor took possession of the property by cutting AGENT lock-box off and winterizing the property creating a whole NEW set of issues as property went back on the market but not able to perform home inspection. Went under contract again but XXXX XXXX ( sub-servicer of LAKEVIEW LOAN SERVICING ) closed file on a CASH OFFER due to not having proof of funds when they were contacted 2 weeks prior to submitting and were told sale was contingent upon sale of existing home within in weeks of offer. Meanwhile, Buyer was able to prove they had had funds but made them start the process ALL OVER FOR THE 3rd time - RIDICULOUS! They continue to lose documents provided so proof of funds have been given to them multiple times and now they say they expired. Have never once spoken to point of contract nor have they ever returned our calls. Communication HORRIBLE. This buyer is now asking to be released if no approval by Thursday. NO MORE EXTENSIONS TO CONTRACT. LAKEVIEW has no employees, recorder instructs you to pick # for sub-servicer. (??? )

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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a disput to XXXX stating there were errors in the two bankruptcy entries I have on file.  I responded to the courthouse and they gave me the correct dates which were reported wrong by XXXX.  I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate.  I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX , but then the same inaccurate information reappeared on XX/XX/XXXX.  No proper investigation in my opinion was done and they should delete.

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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a disput to XXXX stating there were errors in the two bankruptcy entries I have on file.  I responded to the courthouse and they gave me the correct dates which were reported wrong by XXXX.  I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate.  I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX , but then the same inaccurate information reappeared on XX/XX/XXXX.  No proper investigation in my opinion was done and they should delete.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 

Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. 
6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from me despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
First let me make clear that I am not using ANY credit repair company! I am a regular person who is tired of getting the same reply to my letters no addressing the information requested. I have been requesting that this company validate all the collection notations they have been submitting to the three major credit reporting agencies using account numbers XXXX, XXXX and XXXX. They continue reporting inaccurate information. It's like they don't care. On my last letter, I demanded validation and requested to be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: OK

Complaint narrative:
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

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 2018-08-27 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: OK

Complaint narrative:
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
paid off home loan XX/XX/2018 ... still shows on credit report as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: CA

Complaint narrative:
I got 3 letters from XXXX XXXX XXXX XXXX on XX/XX/XXXX for Charges that were through XXXX XXXX and XXXX XXXX Payments that happened in XXXX. i double checked my records and bank transactions and the listed charges ( XXXX, XXXX, and XXXX ) are non existent. When i contacted them, they claimed the purchases were made on a account from XXXX XXXX XXXX under my name. Contacted XXXX XXXX to be told there is no account under my name at all. While contacting XXXX they asked me for my State ID number which i refused to give them. I want to these scam charges cleared before it affects my 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
Consumer complaint received 2018-08-27 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: North Shore Agency, LLC
State: AZ

Complaint narrative:
A magazine called XXXX 's XXXX started sending me issues of their magazine unsolicited. After a few issues they sent me a bill which I returned to them and told them I didn't want their magazine and to please stop sending it to me. In spite of my request to stop sending me their magazine they kept sending it and every month or so would send me another bill. Finally they stopped sending me magazines and bills but now they have turned it over to a collection agency, North Shore Agency which has sent me a bill threatening that I either pay immediately or face further action. 
I am not going to pay for something I didn't order and I do not want my credit damaged because of this. This is fraudulent, criminal activity and they should be stopped. 
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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LendUp Loans LLC
State: MO

Complaint narrative:
On XX/XX/2018 I sent a letter to Flurish Inc dba XXXX disputing a negative account I found on my credit report. This letter was signed for on XX/XX/2018. I never received any correspondence from Flurish Inc regarding my dispute and my report was not marked disputed within the 30 day time line. On XX/XX/2018 I sent a second letter to Flurish Inc disputing the negative item on my credit report. I never received any correspondence from Flurish Inc but they did mark my reports as disputed-resolved consumer disagrees. On XX/XX/2018 I sent out a third and final letter to Flurish Inc asking for proof that this account on my report was actually mine. I still have not received any information from this company. Under the current law Flurish Inc should have marked my reports disputed within 30 days of my complaint and they did not. Nor have they attempted to prove this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am currently disputing a bankruptcy item on my Transunion credit report. This Bankruptcy belongs to my father and is on my credit report. I submitted a dispute on XX/XX/XXXX and still have not heard anything back as of XX/XX/XXXX. I was asked by an agent with Transunion to open a new up a new dispute again but, I hadn't heard anythingback from my previous dispute on XX/XX/XXXX. I'm asking why is the dispute taking so long and that incorrect item be removed from my credit file.

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 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
The company has received a notice of debt collection for a debt that is not ours. 
The notice of collection is from Professional Bureau of Collections of Maryland , Inc . 
There is creditor listed : The XXXX XXXX The account balance is {$1000.00} No other information is provided.

Company response to consumer: Closed with explanation