vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-27 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company listed below states that they are a creditor and that I owe them {$3500.00} for one account and {$2900.00} for a second account and this is reported on all three credit reports. I submitted a dispute with XXXX regarding this matter and the company in question has not returned an answer for my dispute. I never received any written documentation or have been notified by any means regarding this debt that the company claim I owe. I do not have knowledge of this debt and the company has yet to prove that I owe it and have reported this collection debt to all the credit bureaus and state that I owe {$6400.00} in collections on my reports. This is false and they can not prove it and have not yet answered my dispute. This is illegal and do not meet FCRA requirements. The company states the account was opened in XX/XX/2018. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH 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 2019-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received a letter from COMMONWEALTH SYSTEMS INC stating i owe XXXX for a Medical bill. this account was on my reports before about 4 yrs ago. another Collection Agency had this account first. this account was disputed and removed. now a few a years later COMMONWEALTH FINANCIAL SYSTEMS INC is reporting the same account on my XXXX and XXXX   reports now. they purchased this account from the original collection agency, XX/XX/2019. This account is causing problems for me getting approved for a Home and  other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery continues to contact me regarding a debt, that I have no recollection of and continues to report with the three major CB. I have filed several disputes asking for validation other than a bill from years ago. It seems as if they should have some type of signed contractual agreement entered into by me in order to continue their reporting and contacting me. According to Portfolio, they are attempting to collect XXXX for XXXX XXXX for a company called XXXX XXXX XXXX XXXX. I'm simply asking for proof that other than a bill from XX/XX/2012, ie a sign contract, just simple proof that it was actually an account that I am responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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:
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XX/XX/XXXX IXXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX ask us to update our information in their system on XX/XX/XXXX, because we are an owner of the timeshare and they told us that the company has a new system. So since we did not accept our tablet last XX/XX/XXXX and the welcome package they sent us, they will contact the main office if they can reinstate the expired offer. They asked our ID and SSN to verify our account and ask us to sign that they authorize us to look at our account in the system but they never informed us that they will run our credit. I just found out because I have XXXX  XXXX  who monitors our credit scores.

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 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
Hello how are you. I recieved a letter on XX/XX/2018 from NCC BUSINESS SERVICES , INC showing I owe a balance of {$3300.00}. I dont know why this is being reported on my Credit reports. because this is not my debt. I would like to get this account removed immediately. it is causing me problems on getting an Apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: FL

Complaint narrative:
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX-XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I file a complaint earlier against this company and they responded that I have file five compliants againt their company about this collection. I was unaware that their was a medical collection on my credit report until I applied for a car loan and was told that a medical collection was place on my credit report, that was XX/XX/2018. I was never notify by the hospital or a collection agency that I have a medical collection. I learned about this collection from the creditor whom I applied for a car loan. That when I disputed this collection not five times that the collection agency is claiming which is false. I receive a recent collection notice from them for first time about this debt. l am submitting a copy of the collection letter that was sent along with the hospital payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I am currently receiving collection notices from Real Time Resolutions ( RTR ). RTR has refused to fulfill many obligations and prove up the validity of the debt. Please see the primary points listed below.

1. This loan was originated in XX/XX/2006 by XXXX XXXX XXXX. Per the FDCPA law, RTR needs to prove up there rights to collect. They have not demonstrated true ownership or have disclosed the collection rights for the owner of the debt. Per the Florida Consumer Collection Practices Act ( FCCPA ), RTR is required to allow 30 days to dispute the validity of the debt based on assignment. RTR has not produced an along to the note of affidavit 2. The accounting ledgers have never been requested on many occasions and the balance of the debt has been challenged. There is no way the balance could be over XXXX, which is alleged by RTR ( exhibit A ). The most recent statements show a balance of XXXX. Per the Florida Consumer Collection Practices Act (  FCCPA ) proper accounting disclosure is required to prove up the alleged balance due. 
3. RTR has refused to complete the underwriting process to modify the alleged debt. Per CFPB law, full underwriting is required if the homeowner submits the required documentation. 
4. RTR has threatened legal action and foreclosure against me. Per the FCCPA, this action is illegal unless warranted. RTR is a Texas corporation and does not have the legal authority to execute on a foreclosure ( exhibit B ). 

Based on the points listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Never issued this fraud alert and unless requested by me, Experian better not issue another one. Remove this fraud alert immediately, FCRA violation. 

Please provide documentation of who issued this fraud alert when and what address. 

Copy of Alert : Consumer Statement XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning 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 non-monetary relief
Consumer complaint received 2019-01-27 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: ERC
State: MO

Complaint narrative:
So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experians has locked me out of my accounts and not giving my creditors my credit report clear violations of my rights and XXXX has done nothing to help 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 2019-01-27 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: FL

Complaint narrative:
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX 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 2019-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
I have a VA home loan. The originating XXXX, XXXX XXXX XXXX put the paper out onto the market where it was assumed by PennyMac Financial, XXXX XXXX, CA. As a XXXX Veteran, my home State of Wisconsin allows me full credit for my property taxes if they are paid, in full, by the close of the calendar year. PennyMac has billed me and held the tax amount in an escrow account. 
Well in advance of the tax due date, I phoned and e-mailed PennyMac offering specific information to ensure my property tax bill would be paid from the escrow account. I received a reverse thrill on XX/XX/2017, when the Township Treasurer informed me that payment for the taxes were not received. I paid the amount due out of my own pocket. What occurred from that point was a litany of fables and no release of the funds from my escrow account. 
The number of roadblocks and disingenuous statements I received proved to me that PennyMac has a policy to delay payment of escrow amounts to enrich themselves. I understand " working the float '' and their collective errors could not be happenstance. Only after pressure was applied to PennyMac by XXXX, did I receive some degree of solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I purchased over {$2000.00} in furniture from XXXX XXXX using the store credit card issued by XXXX XXXX on the promise that I would receive {$200.00} in rewards I could use at XXXX XXXX. We ordered the furniture in XX/XX/XXXX, our card was charged on XX/XX/XXXX. As you can see from the attached statements, we had a {$25.00} reward certificate with the XX/XX/XXXX statement and an additional {$170.00} certificate with the XX/XX/XXXX statement. However, when I tried to redeem them I was told that the account had been closed and the {$170.00} certificate was no longer valid. I was not notified that the account was being closed or that the certificate was no longer valid. I contacted XXXX XXXX and they referred me to XXXX XXXX as the card issuer. When I contacted XXXX, they told me the account was closed and as a result, the most recent certificate was no longer valid. I did not close the account, it was still active and carrying a balance, and in good standing. The account will be paid to zero on the next due date, XX/XX/2019, and I don't understand why if I can make payments on the account I can't use an unexpired reward certificate. This is unacceptable. I expect either a store credit or for the certificates XXXX has already awarded to be honored. XXXX has been completely uncooperative in resolving this or even explaining why an active account was closed without notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had a XXXX XXXX now Chase Freedom card in excess of 5 years. When they discontinued their affiliation with the XXXX  XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from .25 to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 16.99 % in XX/XX/XXXX/XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. 
If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: TX

Complaint narrative:
I pulled my credit reports and noticed that XXXX had a hard inquiry on my for both XXXX and Equifax. I wrote both credit bureaus and in XX/XX/2018 and it was still there. I then wrote XXXX and they responded on XX/XX/18 that they could not find any information on me. They wanted my address copy of my credit report and my account number ( switch I couldn't provide because I did not apply for XXXX ). Then gave them all the information on XX/XX/XXXXto the XXXX  and as of XX/XX/XXXX have not responded to me. I have called XXXX XXXX customer service number and no one could help or have information of someone to contact. The Credit Bureaus won't remove it and XXXX has no idea how it got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
have had a Chase Military Star Card now Chase Freedom card for about 8 years. When they discontinued their affiliation with the XXXX XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from XXXX to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 15.24 % in XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I received a notice LVNF Funding LLC was  garnishing my wages on XX/XX/2018 I sent a letter requesting to know what the garnishment was in regards to and what specifically it was they are claiming I owe for. 

I looked up what to do online to find a template for a letter requesting that information without including anymore personal information. 

On XX/XX/2018 I received a response only restating their original information. 

I have not heard from them since. 

I have no idea what the claim is a result of i.e. merchandise, services or other. 

I hope this is the correct place to submit my complaint.

Company response to consumer: Closed with explanation