vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have received communications from Resurgent Capital Services about a debt I know nothing about.

I have 2 letters all dated on the same date of XX/XX/2018.

1. Reference ID # XXXX in the amount of $XXXX
2. Reference ID # XXXX in the amount of $XXXX

I have a XXXX credit card currently and it is in good standing. 
I don't have an account with XXXX ending in XXXX.

I have zero clue what this is but I have been a victim of identity theft in the past.

I have written to the company disputing the debt but have not had any communication on validation of this debt in any form. 

I have sent letters to this company in the past and then they go quiet. Then a year or so later this resurfaces again with another attempt to collect something they can't prove is mine.

I just have a letter telling me to pay it without any information except some made up numbers.

Thank you
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, Experian and XXXX regarding XXXX XXXX XXXXXXXX for {$2300.00}, XXXX XXXX XXXXXXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX 's letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My identity was stolen back in XX/XX/2016. Multiple credit lines, banks, and other products were open under my name. My wallet was stolen and my drivers license, social security card and credit cards were stolen. Bank of American was one of the banks that opened these fraudulent accounts under my name. Now they have placed me in XXXX XXXX XXXX marked with a notation of fraud. I was never aware of these accounts being opened. I was never notified by bank of American and Bank of America has not validated that any of the accounts and checks that were cashed were mine, they have not provided me with any documentation with my signature. By law any fraudulent accounts that were opened due to Identity theft should be blocked and removed. Bank of America is in violation of many federal banking laws and the FCRA federal laws I have filed complaints with the OCC and my local attorneys general office. I am aware of my consumer rights and my father is an attorney. If this issue isnt corrected by Bank of America I will seek litigation to clear my name!

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 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Endpoint Resolution Services (ERS)
State: PA

Complaint narrative:
XX/XX/XXXX@ XXXX at my job XXXX ( couldn't understand his last name ) from ERS called stating he was calling about a returned item from my Bank ( I work at XXXX XXXX XXXX XXXX ) that requires my immediate attention. Please return my call at XXXX. I returned the call 2 days later when I was back in the office and he said oh this wasn't for you. 
XX/XX/XXXX@ XXXX at my job Robo call from ERS about a notice that was sent to my address or listed as my home residence today we haven't received notification from you about this important matter. 
XX/XX/XXXX/ @ XXXX at my job Robo call with the same message above XX/XX/XXXX @ XXXX XXXX I called them back, from my job, asking what this was about. He said was I XXXX, I said yes, he said is your address, XXXX XXXX XXXX XXXX PA, I said yes, he said we are calling about a notification that we mailed to your home address onXX/XX/XXXX. I said I don't know what you are talking about as I didn't receive any notification and it is alreadyXX/XX/XXXX, so I don't know what you are talking about. Gave me vague information about whatever debt they are referring to and stated that they would be taking this to court and I would have legal fees to deal with along with ruining my credit. We can do monthly payments or we can take a payment amount lower than the outstanding debt of {$2000.00}. Told them they were calling my job and he said sorry about that. I said I would call him back when I'm not at work that this was my job. He said well you didn't tell me what you are doing about this, are you making a payment ( Yelling at me ) so I hung up. 
XX/XX/XXXX @ XXXX at my job Robo rom ERS with the same message XX/XX/XXXX @ XXXX at my job XXXX from ERS saying , I'm calling back again from the Pre-Legal Dept from ERS please call me back at XXXX XX/XX/XXXX@ XXXX XXXX  on my cell number saying this is XXXX calling back with the Pre-Legal Dept of ERS I had spoken to you on the XXXX and I still have not had a response from you and the client is requesting a decision be made on your behalf by close of business tomorrow so I would like to speak with you before verification is faxed. If you can contact me back immediately my office number is XXXX. 

These are all the ones that I have documented. They constantly change the number they are calling from. Some of the numbers look like local numbers so I'll answer and others look like out of area, so then I don't answer. I haven't acknowledged anything and I'm really tired of being harassed at my job over and over again. I have a job to do and it isn't being harassed by ERS. 

Thank you very much! 
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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To obtain financing on my purchase, Synchrony Bank asked me to jump through several hoops. I have excellent credit, have lived in my home for more than six months, and was born in the US. I also have a Synchrony savings account. 

On XX/XX/XXXX, I submitted my application. On XX/XX/XXXX, Synchrony instructed me to submit a notarized affidavit of identity. They offered me a {$25.00} credit because of the inconvenience. I faxed it to them on XX/XX/XXXX. They were supposed to make a decision within a week. 

On XX/XX/XXXX, Synchrony Bank rejected my application because they could not authenticate my identity, even though I'm already their customer. Why? 

Will this rejection affect my credit report? The Synchrony staff didn't know. Can you prevent this error from hurting 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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to a dealership where a friend works to see what vehicles were in my selected price range. I made sure the employee ( my " friend '' ) was aware that I was not ready to purchase, and I DID NOT want my credit to be checked. He assured me that they would not conduct a hard inquiry on my credit and proceeded to speak with his manager.  Shortly after I received a notice on my phone ( from XXXX XXXX app. ) that there was a new hard inquiry on my credit. I IMMEDIATELY informed them of the unauthorized hard inquiry and they provided me with documentation to dispute the inquiry.

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 2018-05-03 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: FL

Complaint narrative:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME. 

1. XXXX 2. XXXX BANK 3. XXXX XXXX XXXX 4.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a lease with Ally Financial for a XXXX XXXX XXXX vehicle in which I have had leases with the organization before. I paid every payment. Though paid on time, there were some late fees applied because it was still after their grace period. I ask the company if the will remove ( waive ) all late fees applied as I have been a loyal customer. Also, I have had other vehicles with the organization with perfect paying history and never asked this before. Also, every lease that I have, I've returned the cars in with approximately 9 or 10,000 miles unused miles that I paid for on my lease. I returned the vehicle in immaculant condition always having it serviced with XXXX and having it once again serviced before the lease termination. Again, I asked if they will dismiss those fees as a loyalty courtesy. I even informed them, that I was getting another lease and would request for Ally as I would continue to do business with them. Well, today, I receive an alert from the credit bureaus with my credit scores decreased saying Ally has added a remarked to the credit bureaus saying-Full termination, balance owing. Now, I am extremely upset because I have had a descent rapport with this company, great paying history, paying the lease out and for them to report that remark damaging my credit, I am extremely upset and want that immediately removed. The company should have been reporting Full termination, obligation satisfied. How could they do this to a loyal customer and Ally did not even contact me prior to doing this. I just recieved this alert from the credit bureaus and I was floored. Also, I requested for Ally to finance my next vehicle and the company XXXX went through XXXX, which I was shocked and also extremely upset because they did not do what I requested which was to continue to do business with Ally. I have correspondences in regards to this to show I did make that request. I could be incorrect but this made me feel that this is why they did not remove the charges as I was told they would. Also, I am sure the company records the conversation between the customer and the represenatives as I called several times in regards to this matter. I ask them to go back to the last recorded call as the represenative inforrmed me that he would submit this request because I have been a loyal customer and the fees would be waived in 24 to 48 hours, he even thank me for being such a loyal customer. Ally is reporting Ally is showing a balance owed of {$260.00} on XXXX   and reporting Full termination, balance owing on XXXX and 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 2018-05-03 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 — Problem with personal statement of dispute
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This sucks I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts. 
HELP!!!!!!!

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX, parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohls Dept Store has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 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: FL

Complaint narrative:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I sold my XXXX dollar truck because I wanted to get a cheaper commuter. So I asked XXXX XXXX XXXX XXXX for a loan and they are the ones who made as aware of this delinquency. I had no knowledge of any medical bills owed. I pulled my credit report and called I C Systems. I spoke with XXXX XXXX. She let me know the amount owed was {$2300.00}. However I knew that our insurance covered his service. So I called XXXX. I spoke with XXXX, she referred me to my old employer and stated it was my old employers responsibility to pay. While that didnt seem right I called HR at my old employer and she confirmed that it was XXXX I should be talking to. So I called back. I got a lady named XXXX on the other line. She said the amount showed {$2600.00}, and it was paid. She said we had a {$40.00} co-pay that we paid at date of service on XX/XX/XXXX. She said the doctors office must have sent this to collection in error. So I called XXXX XXXX XXXX XXXX and they transferred me to billing where I spoke with XXXX. She said she had no idea why this went to collections. I then called XXXX  back and they referred me to their subdivision XXXX XXXX XXXX I spoke to XXXX. She said they paid this on XX/XX/XXXX and gave me a check number. She said she had an EOB and would fax it over to the collections agency to show it was paid. I am not responsible for this debt. I have never had a late payment, or delinquency in my entire 17 years of having 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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
XXXX St Farm Bank XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX mortgage shopping and I dont have an account with them. I do not recognize this XXXX   unauthorized Factual data-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation