vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
from XXXX through XXXX I was in college not only at XXXX XXXX college but XXXX XXXX which is the apprenticeship I was doing at XXXX XXXX. I never had credit cards with high limits I would not qualify for them nor at any time would I have tried I was in school and didnt work. I have to many medical issues to be working full time. It is a fact I have XXXX XXXX XXXX XXXX XXXX   XXXX XXXX and multiple XXXX XXXX. My records are with XXXX XXXX in Colorado and I was placed on medical leave on XX/XX/XXXX. I filed complaints on here about 2 creditors and when I filed with an attorney general in Colorado I did receive part of my money back but not all. I have several documents showing I was in school including transcripts and certificates. I also have a document stating XXXX XXXX had understood I was in college back in XXXX and had sent me an exemption letter however I did not receive it but it is on record when I filed a complaint with an attorney general in Colorado about another creditor. I was actually sent my money back and I have a copy of this check however XXXX and XXXX ignored the letter that XXXX XXXX had written up in XXXX and continued to come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from Charter One and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with Charter One for the full amount of the HELOC value - they literally would not negotiate a lower rate one penny. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found Charter One had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted Charter One to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish Charter One for a fraudulent filing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: ERC
State: NY

Complaint narrative:
I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX  and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: SC

Complaint narrative:
Debt was paid, and they agreed to remove it from my credit. however its still on my credit. I want it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: NV

Complaint narrative:
We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from XXXX XXXX and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with XXXX XXXX for the full amount of the HELOC value - they literally would not negotiate a lower rate XXXX XXXX. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found XXXX XXXX had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted XXXX XXXX to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish XXXX XXXX for a fraudulent filing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: TX

Complaint narrative:
Hi my name is XXXX XXXX Please help me! 

I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from LVNV Funding LLC the original Creditor is XXXX XXXX. I sent LVNV Funding LLC an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent LVNV Funding LLC. I have listed the Violation in the following Statement below : * I sent LVNV Funding LLC an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX  debt they say I owe. LVNV never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company. This transferring of unverifiable debt to another collection agency without validating the debt is a violation XXXX My 2nd issues is if LVNV Funding LLC who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt?

* 3rd issues is that I received a letter from XXXX XXXX XXXX trying to collect on the Same debt LVNV Funding Services LLC refused to Validate. XXXX XXXX XXXX is also claiming in their letter that they are collecting the debt for LVNV Funding LLC, but LVNV Funding LLC refused to Validate the Affidavit of dispute of the debt I sent them. 

If LVNV Funding LLC can not Validate the debt. How can XXXX XXXX XXXX Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA. 

Why, didn't LVNV Funding LLC Notify XXXX XXXX XXXX that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But LVNV Funding and XXXX XXXX XXXX are trying to manipulate the FDCPA. By LVNV Funding LLC. transferring the debt to XXXX XXXX XXXX but, having XXXX XXXX XXXX collect the debt for LVNV Funding LLC without validating the debt. These are Major FDCPA Violations. 

Please investigate these illegal tactics and violations these 2 collection agencies are involved in. 

Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Since XX/XX/2018, my credit score has been wrongfully dropping every single month due to the wrong information on my Toyota loan. Toyota has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XXXX of 2018, my credit score has been wrongfully dropping every single month due to the wrong information on my XXXX loan. XXXX has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.

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 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
Disputed twice currently XXXX dispute XXXX as of XXXX separated told XXXX XXXX divorced XXXX was not at that address at all since XXXX this is not my bill {$210.00} XXXX XXXX now it is in collections which affects my credit report me and my x just completed bankruptcy court now this!!! I did not make this bill XXXX XXXX {$210.00} said so twice to XXXX XXXX must been signed in my name I refuse to let this affect my credit report after going thru bankruptcy please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The amount this company is trying to collect I'd not the correct balance owed. I had a security deposit that was supposed to be deducted from what supposed to have owed. Also this is not the correct amount of judgement. This company is trying to collect more than was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: TN

Complaint narrative:
I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX 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 2019-04-13 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: TN

Complaint narrative:
I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. 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 2019-04-13 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: TN

Complaint narrative:
I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, DPT EDXXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is a misspelled last name showing up on my Experian credit report.. My correct last name is XXXX not ( XXXX ) I NEVER us this last name for anything and would like for it to be remove from my Experian 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 non-monetary relief
Consumer complaint received 2019-04-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CFPB case # XXXX was submitted last month for an inaccuracy reported by Synchrony Bank/ Lowes and the creditor Synchrony Bank/ Lowes agreed in writing to update and remove the inaccurate late payment reported to XXXX XXXX and XXXX ; Initially the late payment  was removed - However after the case was closed the late payment showed back on XXXX   several days later - Synchrony Bank replied to myself and the Consumer Financial Protection Bureau this inaccuracy would be removed - I also spoke with 2 managers at Synchrony Bank that acknowledged no payment was ever 30 days late and I have a 36+ month payment history with no late payments ever- Please help me update this inaccuracy as it is erroneous and is adversely affecting the ability for my daughters and I to purchase a home soon!

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 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I never owed this amount to the original business. 

On XX/XX/XXXX, I was sent to XXXX XXXX XXXX to have XXXX  done of two sections of my XXXX. My policy clearly states that my responsiblity for XXXX charges are {$50.00} per visit. Since the XXXX occurred during one visit to XXXX XXXX, I should have been billed {$50.00}. 

XXXX XXXXXXXX never issued an invoice to XXXX, my health insurance plan, and XXXX never sent me an EoB. I gave it time to work itself out, but it never did, and ended up in collections. I spoke to a XXXX   rep on XX/XX/XXXX, who was going to escalate the matter and have someone from XXXX follow up. I never received a follow up. On XX/XX/XXXX, I spoke to another rep at XXXX, and she confirmed my responsibility of {$50.00} for the XXXX. During my call, she placed me on hold and spoke to reps at Grant Mercantile, XXXX XXXX, and the XXXX XXXX XXXX. XXXX  XXXX agreed to re-bill XXXX for the procedure, and that my responsibility is {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: Tate and Kirlin Assoc
State: AL

Complaint narrative:
I received a letter from Tate and Kirkland Associates Incorporated out of XXXX Pennsylvania dated XX/XX/XXXX. The letter stated that the client has authorized to offer a discount of 50 % of my balance to satisfy the account that was originally {$690.00}. XXXX for a XXXX XXXX XXXX card I defaulted on. I call the collection agency and spoke to a representative by the name of XXXX XXXX. I I spoke with her and she agree that I can make to installment payments one on XX/XX/XXXX for {$170.00} and the next payment will be due on XX/XX/XXXX for {$170.00}. She agreed to delete the account once the total balance of XXXX was paid which is the agreed discounted offer of 50 % of the original balance of {$690.00}. I made both of the payment as agreed on time with my bank card was on file to make the payments and it was automatically drafted on the days as stated above. Now that the debt has been satisfied the account is still reflecting on my credit report with an incorrect balance only reflecting the XXXX I paid in 2 payments and still have the remaining balance left over from the original balance of the XXXX which is incorrect. As agreed by the representative from Tate and Kirkland Associates the account was supposed to have been deleted after the XXXX was satisfied. I have paid the debt, and it is still reflects on my credit report .The account balance is incorrect. I would like for Tate & Kirkland & Associates to honor the original agreement and delete the account from my credit report. I have called the company every day for the last week requesting for the original representative I spoke to to send me a letter of our agreement and to give me a call back. I have not received a call back and I have not still receive a letter from the Creditor with the original agreement to have the payment deleted from the account.

Company response to consumer: Closed with explanation