vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX  XXXX, as shown on my 3 credit reports, is showing incorrect information. Basis for the dispute : 1. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current. ( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1700.00} } and the account is listed as " past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX  ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or  completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past  Due '' as of XX/XX/2018 as Midland is not a creditor and I do not have any installment agreement with Midland. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f. I have contacted Midland on three different occasions to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: N.A.R., Inc.
State: UT

Complaint narrative:
I have paid this account in full and it is reporting to the credit bureaus that no payments have ever been made on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX XXXX or XXXX XXXX to speak with her on behalf of why I was denied a line of credit she then stated that she worked for care credit and could assist me in getting approved. I transferred money to her XXXX account and received an invoice saying that I had a XXXX line of credit under synchrony bank. She also stated that my card would be mailed to me in 7 to 10 business days. Then I realized I had been scammed.

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 2018-11-06 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: EQUIFAX, INC.
State: ME

Complaint narrative:
After 4 phone calls, being put on hold for an hour at a time by the call center in the XXXX, I was finally able to speak to an American. As I am speaking to her, I find out that the address they ( Equifax ) are reporting for me is 10 years old. Yes, TEN years old. Their collection account activity is also incorrect as ALL of the collections were paid by my attorney in XX/XX/2018. The hospitals and doctors sent the attorney all bills due to the injury suffered ( broken shoulder - and needed to be replaced ). The hospitals and doctors agreed to a settlement for which was negotiated by the attorneys and the hospitals and doctors offices. Equifax has NOT made any changes at all and this has been going on now for 4 months. Equifax has refused to remove anything from my credit report OR make the correction to the address for which has been incorrect for 10 years. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Midwest Recovery Systems
State: UT

Complaint narrative:
I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
Greetings my name is XXXX XXXX and I am writing in reference to my Bayview Loan Services loan # XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX. I have reached out to Bayview repeatedly to alert them to a problem with in their system that was not reflecting the correct zero balance for my account. I have not received a response from Bayview. I sent emails to Bayview on XX/XX/XXXX and XX/XX/XXXX to the  XXXX email address that was provided to me. 
I also spoke to customer service on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire about a response. And both told me that my documents still had not yet been updated in the system. 

This is particularly disappointing because since my loan was transferred to Bayview in XX/XX/XXXX, I have had a terrible customer service experience. I started working on a Deed in Lieu around that time and it was stalled for over two years due to lack of responsiveness from XXXX XXXX at Bayview and overall failure from Bayview to move my file forward, despite having had a complete file on three separate occasions. This repeated and seemingly deliberate failure to move forward my deed in lieu requested created a disparate impact on me and also resulted in a financial hardship on me. With the unfair, deceptive, or abusive acts and practices ( UDAAPs ) policy in mind, I filed a complaint with the CFPB last year. After CFPB involvement, my deed in lieu was finally moved forward and eventually approved in XX/XX/XXXX. At that time, I was advised that any and all debt, fees, and obligations had been dissolved and that I as no longer liable to Bayview. 

However, unfortunately, I continued to receive bills/statements from Bayview. I contacted XXXX XXXX at Bayview on XX/XX/XXXX to inform her of this and she advised that this bill/statement was an error and that Bayviews system simply needed time to update. I contacted her again on XX/XX/XXXX to advise about that I was still receiving bills/statements and she said that the deed had been recorded and that I should not be receiving bills. 

Nevertheless, I continued to receive bills/statements. I spoke with XXXX XXXX on XX/XX/XXXX who assured me that the deed in lieu had been approved by Bayview, that everything had been processed on your end and that she showed a XXXX balance for my loan in her system. I am frustrated and upset because I continue to receive bills/ statements and I thought that this matter had been resolved. 

I am reaching out to CFPB as it seems this issue has still not been resolved. So I am asking for you to help me to rectify this situation with Bayview. 

Thank you so much for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: OH

Complaint narrative:
I have disputed this medical charges that ended up on my credit report with all 3 credit bureaus. XXXX and XXXX have responded and stated that I was correct and this is not my bill nor could have provide valid proof and they have removed these from my credit record. Experian on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Experian has dropped my credit another 74 points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$720.00}

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 2018-11-06 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: ND

Complaint narrative:
On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to XXXX and Transunion with my proof of payment on two separate occasions now.

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 2018-11-06 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: GA

Complaint narrative:
I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with TransUnion, XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. TransUnion, XXXX and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with TransUnion, 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 2018-11-06 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: GA

Complaint narrative:
I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with XXXX, Equifax and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. XXXX, Equifax and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Atlantic Credit & Finance, Inc.
State: IL

Complaint narrative:
XXXX continuously calls pretending to be a Credit Agency and sometimes a Debt collector. They act very strangely on the phone and ask for employees at our company often revealing their personal info!

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
To whom it may concern. 
McCarthy, Burgess & Wolff keep sending collection letters saying that XXXX XXXX owes money to XXXX XXXX XXXX. 
XXXX XXXX has had payroll deductions for workers compensation insurance since XXXX, never used XXXX XXXX XXXX. The account number does not match either. They have been sending these letters since XXXX. We would like this to stop if they can't provide correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I received received a summons from a collection agency regarding a very old auto debt from XX/XX/2004. I believe that this collection agency is unfounded in filing the summons, as the statute of limitations for collections in the state of NC is three years, and this debt is now fourteen years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Company sent letter notifying me of debt. I disputed the debt through written notification provided in the 30 day allowance showing proof of debt awarded to spouse in divorce. Company refuses to remove the negative information 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 2018-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
1. XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX claiming account has been placed with XXXX for collection sent. 
2. Called Chase : told since I did not have the full account number that I need to call XXXX regarding the letter received. 
3. Called XXXX.Told the collection is regarding an XXXX Credit card. Told them I was unaware of any unpaid charges. Asked what was purchased. Told statements would be mailed to me. 
4. XX/XX/XXXX, 2nd letter from XXXX with payment options sent. 
5. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX ext. XXXX. Told I would receive them in 7-10 days. 
6. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX. Told media was received on XX/XX/XXXX by them and she did not know why I had not relieved them yet but I should soon. 
7. XX/XX/XXXX called XXXX because I had not received copies of statements Talked with XXXX XXXX. I told her I was disputing the charges. I was ransferred to Chase Bank document recovery and spoke to XXXX ( XXXX ). Told I should receive statements in 7-10 days. 
8. XX/XX/XXXX received copy of statements showing a charge for XXXX XXXX XXXX on XX/XX/XXXX for {$100.00} and several months of late charges. 
9. Looked for receipt on my XXXX XXXX account to confirm I did not make the charge. I have receipt number XXXX dated XX/XX/XXXX showing I paid my XXXX XXXX with my XXXX XXXX XXXX. 
10. XX/XX/XXXX called Chase bank to try and resolve issue with this charge I did not make. Talked to XXXX ( XXXX ) explained I paid my XXXX XXXX with an XXXX XXXX XXXX on the XX/XX/XXXX and I did not pay it a second time, the next day, on the XX/XX/XXXX with the Chase card. I was told my dispute was declined XX/XX/XXXX. I explained I was trying to settle this prior to filing a complaint with the Consumer Financial Protection Bureau. She suggested I talk to a Senior Service Specialist and transferred me to XXXX ( XXXX ). He offered to " accept {$70.00} to make this go away. '' I responded that I did not make this charge and I am filing a complaint with CFPB if we can not resolve it. He told me I have to write a letter to XXXX XXXX XXXX to further dispute the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: ND

Complaint narrative:
On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to Equifax and XXXX  with my proof of payment on two separate occasions now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am facing foreclosure and I applied for a short sale and my short sale application was approved by the bank. I had a buyer who made an offer which was also submitted to the bank. However, the buyer pulled out because of the extensive umber of repairs that is needed on the property. I had another buyer who made an offer and this was submitted to the bank immediately after informing them that the first buyer pulled out of the deal. 
The second offer and proof of funds along with the HUD was submitted for the second buyer. The bank advised that they have received the second offer with supporting documents and are reviewing it. I was advised today that the file is now closed and the only option available to me is foreclosure or deed in lieu. The bank refused to review the second offer for short sale.

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 2018-11-06 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: CL Holdings LLC
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX are both currently reporting the same debt collection on my credit file. They are DOUBLE reporting and this is in clear VIOLATION of the FCRA.

Company response to consumer: Closed with non-monetary relief