vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I received a summons from Portfolio Recovery Associates. I had not received any prior notifications via the USPS. I am filing this complaint to have it documented & also will be mailing in a debt validation letter to them requesting a PROPER debt validation with a request for PROPER verifiable proof to be provided PER FCRA 609 section ( a ) ( 1 ) ( a ). I am requesting to see the original signed contract between XXXX & I. The case # is XXXX. I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {$800.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc.
State: WA

Complaint narrative:
XXXX, XX/XX/2019 at XXXX XXXX  I received an e-mail from STERLING TALENT SOLUTIONS informing me they were a Consumer Reporting Agency, and they were reporting public record information to XXXX. 
At the top of the e-mail in bold it said : BACKGROUND SCREENING NOTICE. 

XXXX. XX/XX/2019 at XXXX XXXX  I receive an e-mail from XXXX writing in reference to the recently reviewed background check report provided by STERLING INFO SYSTEMS INC. XXXX gave me a link where I could review/verify the report. 
XXXX after reviewing the report decided to temporarily suspend my account and contact me to confirm the information on the report. XXXX asked me to review the report closely and if after reviewing the report, if I would like to clarify any information to contact Sterling Info Systems Inc. 
XXXX continued on by stating that the e-mail constitutes a pre-adverse action notice and a copy of my Rights under the Fair Credit Reporting Act could be found at a link they provided. In addition, WA State laws were made available at a link they provided as well. 
This ended the e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: IL

Complaint narrative:
This company, XXXX XXXX XXXX is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since 2016 that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX  but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX  is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TN

Complaint narrative:
I feel frustrated that they still haven't deleted this account when the reporting is not accurate. I've disputed this with them a number of times and they did not take further action., claiming that the account is accurate when it's not. 

Collection account from XXXX XXXX ( Account No. XXXX ) Original Creditor : XXXX XXXX The date open and closed are not accurate. The balance is also not correct. I do not owe {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
on XX/XX/2019 a Loan company violated federal consumer financial laws by contacting my reference and releasing information about my debt, time of debt, amount of debt, and informed them about my credit score being impacted by said debt. I was informed that the number this loan company had on file for me was not up to date, and that is why they have contacted my reference, but I have legal rights and my information should not have been given out for any reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have been working on improving my credit. I had 1 delinquent account left. So I contacted Design Receivables Solutions to get some information about the account. The balance began at XXXX. I noticed the balance had risen to XXXX, so on XX/XX/XXXX I called the collection agency to see what can be done. I was interested in making payments but before I could even ask. I was immediately offered a deal by the gentleman from the agency. He told me if I was willing to pay my debt in full they would be willing to remove it from my credit report. I was very surprised by the offer because I didn't know they did that sort of thing. It wasn't really a good time for me to pay the XXXX in full because money was tight. I took into consideration that I probably wouldn't get the same offer had I just made payments. I asked if they could send me a letter guaranteeing this account would be removed. I was told they didn't do that sort of thing but that they would mail me a letter after my payment was processed. So I agreed and paid the balance in full. I waited and continued to check my XXXX XXXX account for a update on my debt. I noticed the agency had reported it paid in full & account closed. This was not what we had agreed to. So to filed a dispute with XXXX  and as it turns out the agency denied that it was to be removed and it was to remain on my credit as a closed account. This is so wrong and I find it unacceptable that someone could get away with lying to me. I paid in full as agreed. I held up my end like I said I would. My question, " Why are they allowed to get away with not holding up theirs? '' I could've set up payments instead of being broke for that week and got the same results. I'm raising my nieces XXXX daughters without any financial help and my budget is tight ... .at any rate it was a stressful tight week. I'm very upset I know this is my responsibility but I don't appreciate being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TN

Complaint narrative:
I feel frustrated that they still haven't deleted this account when the reporting is not accurate. I've disputed this with them a number of times and they did not take further action., claiming that the account is accurate when it's not. 

Collection account from XXXX XXXX ( Account No. XXXX ) Original Creditor : XXXX XXXX The date open and closed are not accurate. The balance is also not correct. I do not owe {$1000.00}.

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 2019-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unfortunately, last year, I was in a financial dilemma due to job loss. As a result 3 ( to my knowledge ) of my payments to you were delayed. Because your account with me is extremely important I managed to borrow money in an attempt to bring my account current. 



I reached out to capital one at that time and explained to them my situation and basically PLEADED for them to defer the payments or move them to the end of my loan and was denied. Please note I have had my car for almost 4 years and I have NEVER qualified for that help. Thats very unfortunate and Im confused as to why Ive never qualified. 



Nevertheless, Ive persisted and have been attempting to catch up sincethus my payments are behind by SEVERAL months because the payments Ive made EACH month, since, covers those past months from 2018. 



Fast forward to today, I go online to make a payment and was informed I had to call capital one to pay and when I did I was informed that my car is in recovery status and that the only payment I can make is for {$510.00} and some change over a 3 month period to bring my account current. If I could pay more I honestly wouldnt be behind. 



All Im asking is to continue making my payments of {$220.00} maybe {$250.00} since I dont qualify for defermentand never have in 4 years. I cant afford a repossession. I have XXXX small kids and we need our car. I TRULY appreciate Capital Ones patience with me and I know Im behind by several months but if you look at my history Ive made a payment every month sinceIm trying to catch up. I truly am. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I received a letter from Citibank stating that my inquiry regarding electronic transactions on my checking account ending in XXXX XXXX XXXX XXXX had been honored and that I would be receiving a credit on to my account in the amount of {$1600.00}. They said that this credit included any applicable fees and interest incurred as a result of the disputed charges. On XX/XX/2019 I called Citibank customer service to ask when this money was going to be deposited onto my account the customer service representative I spoke with told me to give it 10 business days for the money to be deposited onto my myaccount. On XX/XX/XXXX I received a letter stating that they were not going to give me {$1600.00} with {$0.00} they were only going to give me {$200.00} with {$0.00}. I need Citibank to respect the money reimbursed to me which was {$1600.00} and credit this amount to my account just like they said they would on the letter I received XX/XX/2019.

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 2019-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have my mortgage through NewRez financial. They used the wrong parcel number in paying our property taxes through escrow, and did not notify us. I received a notice from our county that our taxes had not been paid, and that a lien would be placed on our house. 

I have reached out to NewRez for two weeks to resolve this, with no progress. They are not sharing any information, and they have not connected us with the appropriate departments to get this resolved. 

We have had significant interest added to our tax bill due to their error, and we are very concerned about resolving this issue before a lien is placed on our home. 

I have also reached out to corporate leadership as a last ditch effort to have this addressed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: MA

Complaint narrative:
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: POPULAR BANK
State: FL

Complaint narrative:
I frequent the XXXX XXXX  in the XXXX  and XXXX  XXXX   XXXX  XXXX  I worked yesterday and deposited XXXX dollars in my account by atm in that transaction the receipt returned XXXX I opened the account on the XX/XX/XXXX2019 I deposited XXXX and my next deposit was XXXX that following month as reported by customer care in the XXXX month the customer care stated that I owed for the tenth month XXXX dollars Wich I paid and she also stated an over draft fee from XXXX XXXX which may or may not be fraudulent I have another bank card that had been stolen funds from by a XXXX XXXX that may or may not be the same that was resolved as I reported it as fraudulent I've bean catching my monthly maintenance fee before every XXXX of the following month I stated that I have overdrafted and they are always below 5 dollars which is a condition I made with my bank to never go over 5 or else make the transaction declined I recalled trying my cards at XXXX XXXX and being told that the funds are not transfefing and then that I I have bean charged I resolved with the other card and the bank operater with the bppb is telling me that I must take it up with XXXX XXXX I assume this is some young personel whom is not aware of my ability to catch the false actions she suddenly changed her statement into me owing from the month of elleven this is XXXX and I payed XXXX dollars on XX/XX/XXXX which was yesterday if I overdrafted from the XXXX XXXX I would owe more than that for over draft fees daily which makes me think the teller may be in thievery or covering the theft as I have bean making payments like this I would have covered the fee with the XXXX dollars I deposited to pay my balance and from my last statement I did not exeed XXXX dollars and I have overdrafted before she attempted to explain that the maintenance fee arrives on XX/XX/XXXX Wich is false for that fact that I bean conducting in this manner and that may dates should match XX/XX/XXXX so I assume she is new and undereeducated or she thinks that I am I called within an hour an 30 minutes from this number 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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX opened an account under my name, social security number etc without my consent. I got mail from XXXX saying congratulations on opening an account.I called fingerhut to close any account because I was not interested in their services. They first said I didn't have an account. I got another piece of mail with a card in it with my name. I called XXXX again and this time they told me it will be closed. Now it appeared in my credit report. I have the Experian app that said there was a change. XXXX appeared on my credit report. Experian never investigates or protects the consumer Experian refuses to remove it Experian refuses to remove my student loans that are more than 8 years

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13.  See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from Midland Credit and they were calling about a Debt with XXXX XXXX. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from XXXX and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from midland credit.

Company response to consumer: Closed with non-monetary relief