vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
It has come to my attention that National Credit Adjustment recovered a payment for a debt that I never owed.National Credit Adjustment reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If National Credit Adjustment had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that National Credit Adjustment collected. National Credit Adjustment had no legal right to attempt to collect a debt as I never authorizedan account with their named creditor. National Credit Adjustment never validated this debt nor sent me a notice of collection. I have learned that National Credit Adjustment is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I bought a product advertised as a small folding bike from a XXXX company called " XXXX '' on XX/XX/2019 for {$89.00}. They never sent me this advertised bike, but sent me a pair of socks. I contacted Capital One about this clear and obvious fraud. They initially refunded me my money, but then, after the fraudulent company sent me XXXX pages of documents, put the charge back on to my account. I called them several times about this. Their agents said that I needed to send them a letter, which I duly did, at my expense. I never heard back from Capital One! I am contacting you as I don't think it's right that I have been charged for a product that I did not receive. I also do not think my treatment from my credit card company has been satisfactory. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
This complaint involves a utility, XXXX XXXX, in New York, and their collection agency LJ Ross Associates in XXXX XXXX XXXX Michigan, XXXX XXXX XXXX, XXXX MI XXXX ( XXXX ) XXXX. 
I have a stellar credit record, always paying my bills and have no late or bills in default. 
I had moved to an apartment building and was disputing charges that were inappropriate to my account with the utility. The basis for my complaint is that after a few months, I actually moved out of the apartment but was being charged by the utility as if I lived there. The charges were several hundreds of dollars monthly based perhaps on another tenant 's prior usage but not my actual usage. XXXX  XXXX - without any notice to me - sent my account to LJ Ross Associates. In turn, and once again without ANY NOTICE to me, LJ Ross Associates put a collection notice on my credit report -- permanently damaging my credit standing for absolutely no reason. I never said that I would not pay the bill, rather the bill from the utility needed to reflect the accurate charges. 
My complaint surrounds treatment of me and complete disregard for the credit rating and score that I have had all of my life, having paid all of my bills without ever being late or delinquent. These are harsh and unforgiving tactics that are undeserved given that I absolutely was intending to pay my bills, as I have for the past XXXX years as a XXXX XXXX client in New York. This shows me that utter disregard and harm has been done, given that collection efforts CAN remain on the credit report for up to 7 years. This is bullying, destructive and cruel, with malice, with absolutely no care for people in a pandemic. I will also state I closed my XXXX XXXX account and moved out of state ; however, my email and phone and all contact information was readily available and in the possession of XXXX XXXX and its collection agency. 
I am hoping with this complaint that an investigation take place and that these firms institute corrective measures to 1 ) provide notice of collection referral prior to damaging an innocent person 's credit report ; 2 ) request and strongly encourage LJ Ross Associates to remove the collection activity from my credit report to be permanently expunged since it was there wrongly and without ANY justification and notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have tried to voluntarily repossess the lemon that XXXX XXXX sold me haven't even had my car a year and the engine failed. They never mentioned anything about XXXX XXXX having engine failure especially that specific make and model the XXXX soul plus. Usually people just repossess the car they want me to pay for my own tow and sign paperwork which is not something that usually happens with paperwork my attorney advised me not to sign any of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: PA

Complaint narrative:
The debt collector was notified that I paid the debt in full to the original owner XXXX XXXX. Furthermore XXXX  was notified that XXXX  XXXX of XXXX XXXX never delivered the furniture in 2015 that I signed to purchase as they claim it was out of stock and gave me something else. The entire file is fraud and misrepresentation originating from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.

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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I requested several times to the 3 credit reporting agencies to remove these false debts and that besides that they were unfair, Inaccurate, incorrect, and UNJUST information, please remove this now its over 5 yrs old, as per California LAW statute passed.4 years for a written contract 2 yrs for verbal contract on collections of medical service debts as per FCRA. They also have violated my HIPPA rights by posting medical information in the medical collection account on the public record for my personal credit bureaus and they have negatively affected my ability to financially better my life and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: NY

Complaint narrative:
Helo, I recently noticed some fraudulent accounts on my report. I submitted a complaint with the Federal trade commission to address these accounts. I have attached the document. Please remove these accounts that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mortgage One Solutions, Inc.
State: MD

Complaint narrative:
As a seller I signed and closed my documents on XX/XX/XXXX. My house had been vacant since XXXX and the process had taken a while. On XXXX the buyer was not able to close because the buyers cash deposit was not accepted. This should have been discussed a while back. The buyer now and me the seller are in a waiting game with this lender. The lender is not responsive to my realtor and to the title company. The lending company is lending XXXX or mortgage one solutions in XXXX virginia. Their address is. Their XXXX  and XXXX reviews will tell you to stay away from them. The fact that they are not responsive with something like a home sale is disturbing and as a consumer I urge for this company to be audited and reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: MD

Complaint narrative:
On XX/XX/2020, I visited XXXX of XXXX to purchase a vehicle. I paid for the vehicle in cash. When I got home, I received an alert from my bank that someone had pulled my credit. I checked an found out that it was XXXX of XXXX. I did not give them the authorization to do so and have spoken to several people in the dealership with to no avail in having them to contact XXXX to remove the hard credit pull from my credit. It has affected my credit score much. I was never given a copy of the credit report that they pulled or any document showing that I gave them permission. The company that they used to pull my credit is called 700Credit.

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 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE XXXX PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by Pendrick partners that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Pendrick Partners never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Pendick Partners that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CT

Complaint narrative:
Hi, My account with XXXX XXXX has been closed and paid in full due to a lawsuit brought on by the State AG. I received my title and letter stating, " they will have it removed from all credit reporting agencies ''. I sent the letter stating just that to the credit reporting agencies and Equifax did not remove the account. 

Can you help me? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$11000.00}, {$15000.00}, {$26000.00}, {$6100.00}, {$6200.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOANS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc
State: AZ

Complaint narrative:
Tate & Kirlin calls and texts every day from different numbers in the XXXX, XXXX and XXXX area codes. I do not answer because I know they are trying to reach someone else named XXXX based on their texts. I am not XXXX. I have no overdue debt and a very high credit score with no delinquencies. They clearly have the wrong number but will not give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX the XXXX of 2020, we called the phone line for Chase Auto Finance to make our first payment on our auto loan. We provided the account and routing numbers for the bank account we were using to pay the bill to the agent over the phone. We later received a statement that reflected our timely payment, but the funds never left the account. We left the requisite funds in the account believing that some bureaucratic lethargy was occurring. 

We were later contacted by Chase Auto Finance by phone declaring that our payment was late and it was due immediately in addition to a late fee. On XXXX the XXXX, we used the debit card to that very same account to pay the bill and the funds were taken. We took the appropriate steps at the onset and were hit with a late fee as well as a late payment report on our credit reports. 

This happened a second time on XXXX the XXXX when we processed another payment by phone with the same account and routing numbers to the same account. Days later, on XXXX the XXXX, we used the debit card successfully once again yet still received another late fee and late payment report on our credit report. 

We reached out to both Chase Auto Finance and our banking institution to make a concentrated effort to figure out just what was going on. While Chase reported the funds returned, our bank reported the transaction never even occurred. We then attempted to resolve the issue with Chase by phone and got nowhere. 

On XXXX the XXXX, we wrote a letter to the XXXX of Chase Auto Finance by way of Certified Mail requesting a resolution complete with our compiled evidence supporting our claim. We received the Certified Mail receipt approximately a week later but have heard nothing in return from Chase Auto Finance, their XXXX, or their XXXX Resolutions Department since more than thirty days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: NY

Complaint narrative:
My name is XXXX, I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I also attached my proof of ID. Please block and remove all information from my credit report within 4 days according to section 605 of the FCRA.

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 2020-12-22 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: TX

Complaint narrative:
The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.

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 2020-12-22 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix financial has recently put old accounts which were removed from credit report from another collected back on my account. 
I provided multiple documents and the companies verified for my visits having XXXX XXXX. The XXXX and XXXX  agreed to remove and waive the debts due to inability to pay and my having XXXX XXXX at the time. 
Not sure how they have them now but the original creditors already removed them. 
Can easily call and verify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-22 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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