vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I do not have a contract with this Ad Astra. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX  reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.

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 2018-02-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and  XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Upon an annual review of my credit report on XXXX, I noticed an account in collections I did not recognize from AMSHER COLLECTION SERVICES in the amount of {$2200.00}, beginning on XX/XX/XXXX, for  XXXX XXXX XXXX. 

XX/XX/XXXX - Called AMSHER directly and they told me that even though I've never had XXXX XXXX service in my life, this was legitimate and I needed to dispute it through the credit bureau. 

XX/XX/XXXX - Opened dispute online through XXXX XX/XX/XXXX -  Dispute results became available. AMSHER stated that the collections claim was legitimate and it would remain on my report XX/XX/XXXX - Called AMSHER once again to dispute the collections claim. Spoke to a XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX, XXXX based in XXXX, AL. He asked for my SSN and name. He informed me that my name didn't match the account in question, nor did my address. The account in question is under XXXX XXXX at XXXX XXXX XXXX, XXXX, TX. I do not, nor have I ever lived there and that is not my name. 

XX/XX/XXXX - Reviewed my credit report once again and found discrepancies with my past addresses, name spelling and SSN, including the name and address mentioned in the collections claim. I opened cases with XXXX and all incorrect information was removed from my report. 

XX/XX/XXXX - AMSHER responded to the dispute through XXXX and stated that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Please help, this information is NOT correct and it's affecting my credit score. Please let me know the next steps. Thank you. - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I submitted 4 disputes to Transunion.  They were accepted and I thought they would be handled in the 30 day time limit.  On XX/XX/XXXX I received a notification that the results would not be ready until XX/XX/XXXX and noticed Transunion had changed the date I had submitted my disputes. I call them and spoke with a lady.  She then told me they had computer issues and were unable to do anything for those nine days. That was of course a lie as my husband disputed one item on XX/XX/XXXX and it was resolved on XX/XX/XXXX.Now XXXX  has locked me out of my account so I cannot see the progress of my disputes, will not give me any information on the phone or help in any way at all.They are quite possibly the worst company I have ever dealt with.  XXXX has been great. Nothing has taken longer than 10 days, they are helpful.  XXXX is like working with an 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 2018-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Charged late fee and I do not know why.  Always make payments on time.

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 monetary relief
Consumer complaint received 2018-02-09 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: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I got a letter from this collection agency XXXX XXXX XXXX the letter state that I owe them a debt for {$250.00} was dated XX/XX/XXXX. They said I must notify this office in writing within 30 days from receiving this notice that if I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy and mail it to me. I then sent them a certified letter with a signature receipt on XX/XX/XXXX asking them to do so. I request they send me something in writing with my signature verifying that I owe them this debt. I then received another letter from them stating that they got the okay from their client to add this to my credit report again I have not received anything from them but yet I get alert on my email on XX/XX/XXXX telling me a new collection has been added on my credit report. How can they add this to my all my credit report without first sending me something with my signature verifying this is my debt? I feel the company violated my rights under the FDCPA. I have not received any letter from this company to explain or etc and I notice they placed this collection on all 3 bureaus without validation letter. I am going to report this action to Attorney General and the Better Business Bureau today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my 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 explanation
Consumer complaint received 2018-02-09 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: PA

Complaint narrative:
I have derogatory information on my three credit bureaus from XXXX, Equifax and XXXX  that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up for BBVA Compass's Mega Blitz promotion in which I could apply online for a checking account and receive $XXXX if I completed a direct deposit within 60 days of opening my account. I opened my account on XX/XX/XXXX, and completed a direct deposit from my employer on XX/XX/XXXX. Per the terms of the offer, the $XXXX  should have been deposited into my account within 60 days of the direct deposit, i.e. XX/XX/XXXX. I haven't received this bonus. I have contacted BBVA on XX/XX/XXXX to find out the status, but never heard back from anyone. I have attached a print out of the promotion information when I signed up for the account for reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
I closed on a cash out refinanceXX/XX/XXXX. Checks were made by the title company. Checks were issued only to creditors. Check for XXXX XXXX was XXXX XXXX My payoff was XXXX $ to XXXX. I sent the check priority mail with tracking # XXXX and was delivered to XXXX at XXXX XX/XX/XXXXInstead of paying my loan balance off and returning the overpayment, as several other creditors have done, they took a XXXX $ payment out of my account XX/XX/XXXX. After an hour on the phone with XXXX and several times being placed on hold, I was told " it takes time to process it ''. " we can't accept an overpayment '' " we can't say that we have received it '' and on and on with going around and around in circles. I never got a straight answer.

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 2018-02-09 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: PA

Complaint narrative:
I have derogatory information on my three credit bureaus from XXXX, XXXX and Experian that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.

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 2018-02-09 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: NY

Complaint narrative:
I requested validation of accounts from credit reporting agency for accuracy. Did not receive documents nor responses validating accounts on report are accurate.

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 2018-02-09 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: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to XXXX sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named Zwicker and associates. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with Zwicker for an auto deduction, I looked online at the XXXX XXXX   court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not have a contract with this Midland. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX   ) and  they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: DISCOVER BANK
State: OH

Complaint narrative:
I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to Discover sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named XXXX XXXX XXXX. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with XXXX   for an auto deduction, I looked online at the XXXX Muni court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I obtained a car loan through XXXX XXXX XXXX. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed.I had not taken possession of the car again after that time.On XX/XX/XXXX, XXXX XXXX reported to the credit agencies that the car was repossessed. (Not sure why, maybe to extent the bad credit filing)On XX/XX/XXXX XXXX XXXX reported to credit agencies that I reopened the same account.On XX/XX/XXXX XXXX XXXX reported to credit agencies that the car was repossessed. This leaving the account on my credit until XX/XX/XXXX.I have attempted to resolve this matter with XXXX XXXX and the credit agencies with no avail. XXXX XXXX continues to put fraudulent information on my credit report and refuses to correct their own error.I have only had one account with this company, which ended in XX/XX/XXXX upon them taking possession of the car.

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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Hello - XX/XX/XXXX - At the advice of my tax advisor I prepaid my XXXX real estate taxes due to XXXX XXXX for my property located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX / PARCEL ID XXXX. TRACKING # XXXX XX/XX/XXXX - XXXX XXXX deducted {$2800.00} out of my XXXX XXXX account for the payment of the XXXX real estate taxes. 

XX/XX/XXXX - I spoke with Ditech Financial ( XXXX ) customer service to inform them that the XXXX property taxes were paid in full and inquired as to the procedure for requesting an escrow analysis and subsequent refund as my escrow account is significantly over funded. Much more then one-sixth ( 1/6 ) of  the estimated total annual disbursements from the escrow account. Customer rep at Ditech provided a fax number of XXXX to send a request for analysis. 

XX/XX/XXXX - Drafted and faxed letter to Ditech along with my supporting documentation. Fax confirmation came thru and is attached in the PDF. 

XX/XX/XXXX - Receive letter from Ditech via US Postal Service dated XX/XX/XXXX denying request for escrow analysis.

Company response to consumer: Closed with explanation