vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
XX/XX/2019 - Statement date from original provider XXXX XXXX with a 30 day payment expiration notice, amount owed/balance of account on statement {$300.00}. 

XX/XX/2019 - Notice of collection from Thunderbird Collection specialists ( TCS )  demanding payment for {$8200.00} Notice of collection dated three weeks prior to payment due date from original provider. 

The original provider was contacted and I was told that I had no choice but to talk to collection agency, despite the statement notice did not expire until XX/XX/2019. 

XX/XX/2019 - Validation letter was sent to collection agency, ( TCS ) requesting validation of the account. Validation requests included itemized account of charges, ledger, proof of services, my signed authorization for this specific account. I have not now nor have I ever sought medical services from the provider and am confident that no such medical agreement exists. I have requested this documentation and the provider and now collection agency will not comply with my request. 

XX/XX/2019 - TCS responded to validation letter and only provided a statement balance. The did not provide any of the debt/account validation documents requested. 

XX/XX/2019 - I was contact by a representative XXXX by phone at XXXX XXXX, XXXX phone no. XXXX. XXXX identified her self as Calling with " TCS representing their client XXXX XXXX. TCD did not identify themselves as a collection agency. TCS representative stated if you do not pay this we will move forward with this case in favor of our client. When asked for clarification on what she meant by this statement, she replied again that they will move forward with this case in favor of their client. I responded that I will send corresponded in writing. Representative XXXX then began to ask me multiple times over and over again have you ever been sued for debt you owe I asked her what she trying to imply, and she continued to threaten to sue me. 

She specifically referred to XXXX XXXX as her " client '' and that they would mover forward with the " case favorable to their client '' then threatened multiple times to sue me. 

Attached is all that I have received and the dates are inconsistent and the actual services/account unfounded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA

Complaint narrative:
In XX/XX/2017 I obtained a XXXX XXXX/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cascade Mortgage, Inc.
State: AZ

Complaint narrative:
I have been making payments on time one payment I made the day of the last payment date that I could make it before it was more then 30 days past due. The company posted the payment late even thought I made the payment before the cut of time and day. I called the company and they were rude and did not want to help me.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-20 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: NV

Complaint narrative:
I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NV

Complaint narrative:
I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX   XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-20 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: FL

Complaint narrative:
XXXX, XXXX  AND EXPERIAN IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX  XXXX  XXXX  | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX  | XXXX INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
I only have a single negative mark on my credit reports from a Florida debt collection agency. 

Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. 

Or, XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX They are claiming I owe XXXX {$200.00} for an unpaid phone bill. 

I've never had a contract with XXXX, only a prepaid account a few years ago. 

I filed a dispute with the credit agencies in XXXX of 2019 ( See attachment 2 ) and had this fraudulent collection account removed. However, Enhanced Recovery has refiled a new collection account with a new account number in XXXX of 2019 for the same amount, {$200.00}. 

Unbelievable that a company can make this claim, fraudulently, then do it again a few months later. I do have an attorney friend from college that works for the state of Florida in XXXX that I will be contacting to file charges against them, but in the meantime wanted to file this report publicly. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This is intended to reopen issue XXXX. I was told to give them 30 days from TD Bank 's response on XX/XX/2019. It is now XX/XX/2019 and my household continues to receive mail from them. THis time addressed to my wife, at our home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2019-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALL FAMILY FINANCE, LLC
State: GA

Complaint narrative:
Hi, my name is XXXX XXXX I purchased a car on XX/XX/2018 by XXXX XXXX XXXX in XXXX Ga. The loan company is called All Family finance. I put a {$700.00} down payment on a 2008 XXXX XXXX with an interest rate of 29 % on the XXXX, drove off the lot. I was two weeks later I put down another {$300.00} on the vehicle to cover taxes and registration. I was keeping up with my payment of {$240.00} every other week with an additional {$90.00} per month because the company would not take only liability insurance they required all car be fully insured which is not Ga state law and offered partial insurance coverage for the price of {$90.00}. I continued to pay my car payments as well as the insurance payment, also known as the CPI payment totaling to {$570.00} per month. 

In XXXX I had XXXX, to receive a XXXX  XXXX XXXX. In XXXX, I was terminated from my job and I got on unemployment. In explaining my situation to the company, I alerted them of my financial situation and how I was doing my best to keep up with the payments. I fell behind because my income from unemployment was not enough to cover my payment or living expenses. All Family Finance continued to harass me calling my family members, leaving voicemails and messages calling me up to 10 times a day. When I finally found another job I sent them a partial payment right away altering them of my new payment schedule. Thet continued to call non-stop and when I would offer to pay at least half of the payment amount they refused to take my payment over the phone. Last week they said my balance was {$1000.00} I paid half of {$540.00} and said I could pay the other half my next pay period. The next week a woman name XXXX from the repossession department called saying if I didn ; 't bring my car up to current they would disable my car and come and take it away. I pleaded with this woman saying I just paid her {$530.00} last week I needed to get to my next pay period but she refused to listen and said I had by Friday or they would come and pick my car up. Now my car is disabled and they are harassing me daily to pay the balance of {$540.00} dollars. 

I went through a financial hardship and I did my best to try to pay on the car at least half the payment every month. I am only one full payment behind and they are being extremely ugly. The amount I am paying on this car is 10 times worth the amount! it has XXXX miles when I got it and the balance on my loan is still at {$12000.00}. I desperately need help to get from under this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: LA

Complaint narrative:
The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NV

Complaint narrative:
the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: IL

Complaint narrative:
I have written XXXX  and Equifax several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). XXXX  and Equifax has failed to provide me with proof of contract and has not removed the following accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have trying to refinance and my mortgage servicer Flagstar has added XXXX to my principle balance making not possible for me to do an FHA Streamline. I first contacted Flagstar around XX/XX/XXXX to ask them why they added XXXX to my balance and they could only say that there was a shortage to them when they purchase the loan from XXXX XXXX XXXX. I asked them, what does that have to do with me and how is it legal to add principle to my mortgage balance. They just said they can do it. I have called a total of 4 times and each time they say they will escalate to management to try to resolve my issue. I was able to contact the original lender XXXX XXXX with the help of my loan office and XXXX XXXX was able to confirm that they transferred the loan with the correct loan balance and that there was a principle reduction that took place at closing in the same amount that Flagstar added to my loan balance which I believe is an illegal act. You can't just add money to someone loan balance and effect the amortization of the loan. I gave the proof that Flagstar is in error to their customer service person ( you can not speak to a manager ) and so far my loan balance has not been updated and my interest rate is expiring thereby not allowing me to refinance because I can't get an accurate payoff. This problem can be resolved in 30 minutes if I can somehow speak to a person who has the power to see the error or put that person in touch with the represented from XXXX XXXX ( the original lender ) but apparently Flagstar is so big that you can't speak to anyone that can make a decision. They quote 24 to 72 hour to resolve the issue but I am on 4th try over span of 3 weeks going on 4 weeks and nothing. You should nail these Flagstar guys as I am suffering a loss because they can't seem to get there loan servicing straight. Again, I believe it is illegal to add principle to a loan balance period. How in the world could a borrower owe more money to their principle when all payment have been made on time and the loan was originally funded with the correct principle balance. It's not possible. Please help me get through to these people. Sincerely XXXX XXXX. XXXX, 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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to Consumer Affairs, and the complaint department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have credit card from BBVA compass.

I did setup auto pay on the app.

But it does not work, then I went to the bank center and they fix it but still not working. But the time I miss payment because the only way pay at bank center or pay phone. And that time Im out of the county. When I back I pay off because they dont let me pay by the app or online.

They keep charge the late fee even Im pay on time by setup auto pay. 
They said the will refund the late but they dit not

Company response to consumer: Closed with explanation