vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
This has been going on for a couple of years. 

Diversified Consultant Inc. Keeps reporting on and coming off all 3 credit bureaus. They would call my cell phone everyday and hang up. I disputed this Company with XXXX XXXX and XXXX. Only information I received is from credit report for XXXX XXXX, as far as I am concerned I do not owe dish anything. We haven't had service with them in years. 

After disputing with two bureaus. I received a letter from Diversified that they are gathering information that the debt is still owed. This has been two weeks since. Still never received what debt and original date of nonpayment information. 

This seems to be harassment. They instead of sending a letter that they are gathering my debt informstion. Should of sent the information. 

I am looking for the answer or them to cease this activity and permentanly remove themselves from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TX

Complaint narrative:
I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M and T Bank now deny that I ever had a loan with them. They claimed they have nothing to do with the taking of my house. I was called today by the lawyers at M and T and they claim they have no record of them ever being involved even though I'd been in touch with XXXX XXXX and XXXX XXXX at headquarters for some time now. I was promised a resolution but got none.

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 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
I keep receiving calls from a collection agency called Independent Recovery Resources. There is also a collections account on my credit report from this company. I was placed in collections for an unpaid {$130.00} medical bill from a medical office named XXXX XXXX XXXX XXXX XXXX. My father paid the bill in 2014. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to XXXX XXXX XXXX. I called XXXX XXXX XXXX today and they stated that I do not have an outstanding balance. I then called Independent Recovery Resources and spoke with a representative who provided suspicious information. I asked the representative for the reason I was being called when I have no outstanding balance with the medical company. She stated that an account with XXXX XXXX XXXX XXXX group was still open. I asked when was the last time her company spoke with the office and she stated the medical office was contacted last month. I was curious as to how they could have spoken to XXXX XXXX XXXX XXXX XXXX last month when the company is now XXXX XXXX XXXX. I explained to the representative that I just spoke to my medical office and they stated that I do not owe any monies. The representative stated that she will have someone call the office and immediately disconnected the line. I then called back and spoke to another representative, I asked the representative for the phone number that they have for the medical office so I can contact them and she replied " its a corporate office '' and did not provide the information I requested. The representative stated that I owed {$130.00} and {$15.00}. The {$130.00} collection charge is on my credit report which I was aware of. I was unaware of a {$15.00} debt due to the fact that I have not received any notices nor is it on my credit report. The representative misrepresented the amount I owe which is a violation of the Fair Debt Collection Practices Act 807 section 2a. This collection agency is not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I offered to pay {$10.00} or {$20.00} to my bill I told the lady at XXXX XXXX XXXX that I couldnt pay {$50.00} every week on my bill and she got an attitude and told me if I didnt my credit would be ruined and she was very rude

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KS

Complaint narrative:
On XXXX, I bought a pair of shoes form the website of XXXX at the price of XXXX through Discover it credit card, and I returned the shoes on XX/XX/XXXX, and then I made a payment of XXXX bucks on XX/XX/XXXX through XXXX XXXX, the bank statement says that the payment is finished on XXXX, but I didn't receive the payment in Discover account, my available credit is still minous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received an promotional email for an XXXX XXXX credit card issuing by Bank of America. I clicked through the email to apply the card. The promotional email indicated that my first year of annual fee would be waived. However, once I received the card and call into Bank of America, I was told that the fee would not be waived and they have no knowledge of this offer. I spent over an hour on the phone with Bank of America and was told to forward the promotional email to a supervisor as proof of the offer. I was told that someone would get back to me on this. Five business days later, I still have not heard from anyone. I called back again and once again was told that they could not help me since person that can help is already gone for the day. I was told to call back again.

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 2019-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: TX

Complaint narrative:
I borrowed from cashcall in XX/XX/XXXX, they garnished my wages in XX/XX/XXXX, I paid it off but now in XX/XX/XXXX they are coming after me again saying I owe another {$2000.00} in interest and fees.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for XXXX leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To whoever it may concern, I am a college XXXX from XXXX XXXX and I have had on going difficulties working with Firstmark Services in trying to find a more reasonable payment plan in order to pay back my student loans. My plan was scheduled to start in XXXX of 2019. Before my start day I tried to get my loans into deferment in order to same income in order to pay off my loan because I was not able to make the {$500.00} monthly payment as set up by Firstmark Services. After going back and forth for a couple of days, Firstmark eventually granted me the 3 month extended grace period for my loans. I was very grateful for the fact they approved my request, but was also nervous because I was working a minimum wage job and knew three months would come up quick. 
Due to life circumstances I had to relocate from New York to Florida, which had a big impact on my finances. Now paying rent for an apartment, car bill, insurance, phone bill, utility bills, and other expenses, while being unemployed, I put in a request for another 3 month grace period due to these circumstances. Although I did start a better paying job in XXXX, I still was not in a position financially to start an additional {$500.00} monthly payment including all my other expense. After that request got denied, I reached out to Firstmark to see if we would be able to refinance the loan for a smaller payment for a longer period of time, which was denied. Even with offering to provide sensitive financial information, Firstmark refused to even talk with me and simply sent me an email denying all my request. I can not afford to lose my apartment, car, and job because this private loan company refuses to work with me even a little. I want to pay off these loans, but a monthly payment over {$500.00} is something I can not realistically make. I desperately need help and I hope someone will be able to help me because I'm running out of options of what to do. Thank you for letting me get a chance to submit my claim and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for XXXX leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, XXXX, SC XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 explanation
Consumer complaint received 2019-11-08 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for medical leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.

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 2019-11-08 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: GA

Complaint narrative:
I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my 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 2019-11-08 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: NJ

Complaint narrative:
Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/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 2019-11-08 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: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a letter was sent to XXXX regarding 4 collections on my credit report that I was not familiar with, asking XXXX to investigate the accounts and provide proof that these accounts are legit and belong to me. The accounts in question are XXXX XXXX XXXX, Acct # XXXX, for {$500.00} and Wakefield & Associates, Acct # XXXX, for {$410.00} and another for {$650.00} ( the fourth was removed ). XXXX sent me a letter stating that the accounts were " verified '' for the {$500.00} ( XXXX XXXX ) and {$410.00} ( Wakefield & Associates ) but removed the {$650.00} ( Wakefield ). How can you verify one account and not the other?? And on the " verified ' accounts, they failed to provide me any proof these accounts were mine. I sent a second letter regarding the same matter ( XXXX and Wakefield ) on XX/XX/XXXX and XXXX sent me a letter stating once again that the accounts were " verified '' but again failed to provide any documentation that these accounts were mine. The letters sent cleary ask for such information, but these request are ignored. Yesterday, XX/XX/XXXX, I noticed that Wakefield & Associates suddenly decided to report the accounts stated above ( the {$410.00} and {$650.00} no account number provided ) to my XXXX   credit report. These had never been reported to my XXXX Credit report. Mind you, these accounts also date back to XXXX of XXXX. I see this act as retaliation from Wakefield for disputing this incorrect info. I am concerned and disturbed on how they acted regarding this dispute. I have also contacted a law firm regarding the issues with Wakefield which I was advised to hold on taking any action until CFPB has conducted their investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: NJ

Complaint narrative:
Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: NJ

Complaint narrative:
Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$2600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff

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