vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: USCB, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX collection company USCB slapped a collection account on my credit report after no attempts to collect from me for almost 3 years. The previous attempt at collection was last noted in XXXX of XXXX. These were originally reported delinquent in XXXX and XXXX, but I need proof of the original tdebt to understand what all these charges are for, exactly. 

I am working with a credit repair company, XXXX XXXX, that cant seem to locate the original debts. It is my understanding that the collection agency must show proof of the original debt in order for this to be legitimate. I am willing to try to settle this and make payments on the account, if legitimate, I want the XX/XX/XXXX reporting of collections to be removed though, since they havent attempted to collect a dime from me for almost 3 years. 

I have attached copies of these debts from my credit report obtained by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : Pendrick Capital Partners LLC Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of Medical Service : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, Pendrick Capital Partners LLC had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This account was placed for collection with this company on XX/XX/2017. I disputed this debt with company on numerous occasions. What was sent to me by this company does not demonstrate proof of it being valid. I requested a original copy of my ssn or Identification and original signatures matching my correct full name. I also requested the method in which was taken to prove that this my account.I am requesting the practices Act section 809 ( b ). I will not submit any information to this company as proposed. If all is valid then they the company should be able to provide full disclosure not some assumed 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 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have already been to court to pay this debt. XXXX XXXX XXXX made a mistake charging my account with utilities in advance, that was the reason to charge Astronomic fees, also they dont received my current payments. The only way to dispute this was on court. I went to court on XX/XX/XXXX and Plaintiff was pay In full for a total of {$2100.00} on XX/XX/XXXX XXXX see Ecase view through Court : XXXX XXXX XXXX . The court records indicate that I already paid in full the Correct balance. No Absurd interest fee for negligent billing procedures in XXXX XXXX. The records that you provided show that the credit first opened in XX/XX/XXXX and was first reported XX/XX/XXXX ; four and seven months, respectively, after the debt was paid in full in court. 

I am requesting that this information be corrected. There is no reason as to why the credit charge is in a status of collection. it makes no sense, and the timing of the reported date makes even less sense. Given the due process of the law, XXXX XXXX had every opportunity to charge in court more or less than the amount they claimed, but they didnt, so I see no reason as to why they should decide to do it later by Ideall collection services.This is a clear fact how they act, they abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I wrote to the company on my credit report SOLOMON & SOLOMON P C with an Account Type as collection, Status Closed and Paid. I asked them to remove this from my reports and to show me evidence that I have a contract with them. I wrote to them from XX/XX/2018 and to date I have not received a response. I would like this negative to be removed from my credit reports as it is causing a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Without any indication or notice, on XX/XX/2018 my personal checking and savings accounts were both frozen. My bank passed along the only information that they were given. I was told to call the provided number to speak with a Midland Credit Management lawyer. I swiftly called the provided number, it belonged to my local Sheriff Dept. After talking with the Sheriff I learned only that MCM had frozen my accounts, and they were pursing a " sheriff sale '' of my personal items to pay owed debt. After multiple conversations with both my bank and MCM I felt pressured to pay this owed debt ASAP! MCM told me the easiest and fastest way to solve this issue was to pay debt in full via XXXX. XX/XX/2018 I went to my local XXXX location and paid MCM my debt in full {$1700.00}. A month had gone by and my accounts were still frozen. I contacted MCM in hopes of getting a resolution. MCM told me " yes, debt is paid in full. Attorney has paperwork on his desk. When he gets to it, your accounts will then be released ''. Now here it is 2 months later and my debt is paid and my accounts are still frozen! Beyond frustrated at this point and I do not know where to go from here. Please help/guide me in a direction to solve this once and for all. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX    XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 2018-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard Inquiry This account shows on my Equifax. This account is not a legitimate inquiry. Nor do I have an account with them. I have contacted both the company and the Bureau. The creditor never responded and neither did Equifax. Equifax is not reporting accurate information and is stopping me from getting a Business loan. 


XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IA

Complaint narrative:
My mortgage company is PHH mortgage there address is XXXX XXXX XXXX XXXX, NJ,XXXX.My payment have went through my bank and cleared yet they have no record of this for my XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and show no payment for XX/XX/XXXX. Now they want to foreclose on my home I have sent proof of checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Honestly, my experience with Navient has been a horrific nightmare since they took over from Sallie Mae. They have allocated funds to my 4 loans with them so one loan is paid off out over a year, and my other loan was charged off and they sued my dad ( who is a cosigner, and threatened to garnish his wages- he ended up taking out part of his retirement to pay his portion off to get off of that loan, but they are still coming after me ). No matter how many times I call, I get a different answer from these people. I graduated in XX/XX/2006, these loans should have been paid off by now, but the insanity of this situation is out of control. I feel like a slave to them. My online account doesn't show apples to oranges and their fraudulent practices make me sick! My credit is ruined, my father 's credit is ruined and I don't even know what recourse I have. How is one loan paid over a year and another loan in default? How am I paying them {$200.00} a month, and they get to chose how it's spent, and then I am left in the dark with ruined credit? I am absolutely disgusted and I want to know what my options are at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Dear CFPB, it is not over 90 days asking my mortgage company help to avoid foreclosure and all they keep doing is requesting for the same documents over and over again. it got to a point where I'm faxing the same documents every week to them. 

i am now in foreclosure with a sale date and CARRINGTON MORTGAGE - Loan Servicing / Supervisor XXXX id # XXXX refuses to help me because she said due to my background the investor of this loan refuses to help me avoid foreclosure. 
Therefore it is not on their best interest to help me. 

i asked for her manager and she keeps telling me they all are on vacation and they will come back until the end of the year. 

Please help me since all im asking is help to avoid foreclosure and save my home. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Amcol Systems Inc. put a collection on my credit. 
They never contacted me or anything. They just put it on my credit. It only says medical. I don't have any outstanding medical debt. I have medical insurance. 
I have sent a validation request to this agency according to the Law of the FDCPA SEC. 809B Amcol has not responded. this has been going on for over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXXSS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX XXXXt, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-09-17 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: AR

Complaint narrative:
on XX/XX/2018 I submitted a complaint with the CFPB about Transunion. The complaint was that Transunion failed and refused to send me their METHOF OF VERIFICATION. per the FCRA 611 ( a ) ( 7 ) I am entitled to request the description of all methods used to investigate the dispute,,, I am entitled to see the names of the person verifying the account with the original creditor, this is my rights and Transunion violated it and best believe I am seeking a lawyer on this matter because Transunion should have removed the account from my file,, Transunion failed to send me what I am entitled to. this is my rights and under the fcra law, I can request it and u failed,, I will be seeing one of your representative in court for the non compliance and the violation of my rights and the FCRA.. I have also provided proof of the complain that I made with XXXX with a account XXXX XXXX,,, XXXX was sent all the information like I sent Transunion and XXXX  failed to send me their method of verification,,, they were in violation also,, but in return XXXX  removed the account from my credit file, because I am entitled to see the information i asked them and i asked Transunion the same thing, and Transunion failed to send me what i asked, so we will be in court for the non compliance or u can remove the XXXX XXXX like XXXX credit reporting agency did..i have the printed copy of the complaint and the response from XXXX  see for your that the credit companies have to send this to the consumer if requested and i did that and Transunion failed just like XXXX did.. ( see the attached complaint and response on the removal of the account XXXX XXXX for non compliance with the method of verification from XXXX through the cfpb site ) i filed my complaint on XXXX with the XXXX XXXX account in XX/XX/2018.. XXXX responded on XX/XX/2018 and removed the account on XX/XX/2018 i have enclosed the proof,

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 2018-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened up a 18th months CD on XX/XX/XXXX with People 's United Bank NA on XXXX XXXX, NY. The CD matured on XX/XX/XXXX, the bank never informed me about the maturity of CD, no letter, no phone call, no e-mail. The bank renewed the CD for another 18th months with out my consent at a much lower rate ie 0.45 % annually than the market going rate 2.3 % annually, I tried to reason with the bank about closing the CD and opening an other CD with the current market rate, the bank declined and wanted to impose {$2700.00} penalty in the event I close the CD. 
I am XXXX years old and that is my retirement money, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: OH

Complaint narrative:
XXXX has called my cell phone repeatedly every day for 3 consecutive  days in an attempt to collect a debt from someone unknown to me. 

I have blocked the number on my phone but they continue to call.

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