vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   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 non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX 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 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX failed to cancel my policy when asked. Out of nowhere this debt is listed on my credit without any written notification. How can XXXX XXXX XXXX  report a collection on someone's credit when this is not a financed account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2018, my account NCSECU North Carolina State Employee Credit Union withdrew {$410.00} from my checking account ending XXXX for payments missed in XX/XX/XXXX. This caused several items to be overdrawn and several returned check fees acquired on my behalf. I was never notified of this transaction prior to it being processed an was told by XXXX XXXX XXXX XXXX XXXX officer that the transaction was made due to the funds being available. Upon investigation the amount being auto drafted was changed 3 times by State Employee Credit Union in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. These actions were erroneous and cost me the lender. I visited several branches and made several phone calls hoping to negotiate a payment plan, have my funds returned to my account, and have the return check fee paid on the banks behalf because these insufficent funds were not due to my actions. I was denied and the loan officers were unwilling to negotiate because the fee was already collected. I am contacting your office in final attempt to correct this error. Please contact me should you require any further information regarding this manner. 

Thank you, 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 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hi, and Good Evening! Listen, i was going through my credit again and noticed a collection from XXXX. Looking closely at this account the way it's reporting, i've seen several and multiple innacuracies with the way it's reporting to all the 3 credit bureaus ; such as : wrong reporting date, open date, date of last activity etc. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Company repeatedly contacts me in attempt to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
I am a single mom of a XXXX year old and XXXX year old that lost her salary paying job a couple years ago. I have been doing everything possible to keep this home that I have had for many years over my kids head but was not able to makes ends meet. I was told I could take out a loan on my home to help build my business and I took the opportunity as my kids are the most important thing in my life. I found this company after dealing with 1 other reputable company that told me I was able to qualify for XXXX at 11.50 % term was 48 months first position, as I was told I had to pay off my 5 % first in order to qualify and it is due on to be paid in full on XX/XX/22. I have missed one payment and they are telling me they are filing a notice of default and increasing the interest rate to above 17 %. I have attached the notice. I was also told before loan docs were sent out that I need to set the loan up as a rental property. So I needed to give an alternate address so they can foreclose on me quicker if I become in default. I am very worried about what is going to happen to me and my XXXX boys during the holidays so I would greatly appreciate any advice I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company repeatedly contacts me in attempt to collect a debt that is not mine.

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 2018-11-09 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
Company has mailed, called both cells and work phones, and emailed several times from different numbers leaving messages. This company has called early in the morning as well, each time their calls are blocked they use a new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: CNG HOLDINGS INC
State: MD

Complaint narrative:
In XX/XX/2016 I and my wife loaned {$3000.00} from XXXX XXXX {$1500.00} each to buy a piece of furniture and immediately we started paying the loan using my account and making payments of {$500.00} every month. In a years time, we payed off the loan amount including interest totaling an amount of {$6000.00} and some change. Since XXXX never sent us any statements of payments and balance during the period of the loan, I had to change my bank account at some point when I realized that they kept withdrawing money from my account with an explaining as to what we are still paying for. 

I am now surprised to see that XXXX XXXX sent my information and that of my wife to collection starting that I still owe them {$2500.00} while my owes them {$2100.00} meanwhile we had payed them more than {$6000.00} meanwhile the money we borrowed from them was just {$3000.00} .This is very ridiculous and I am demanding a thorough investigation and complete removal of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TX

Complaint narrative:
In XX/XX/XXXX, I broke my lease with XXXX XXXX XXXX located in XXXX, TX due to my requirement to go overseas. I provided the leasing office with my orders ( attached ) as well as my forwarding address. 3 months later, I discovered an open collection on my credit report on behalf of the apartment complex indicating that I owed {$210.00}. I called the collection agency NCC Business Service to inquire and was advised that The leasing company reported me for non payment of " fees ''. My credit report showed date of first delinquency as XX/XX/XXXX, which was not even 30 days after my move out. I had not received a single letter, notification, phone call, NOTHING. I reached out to the leasing office to no avail. I ended up just paying it because, i was afraid of my credit being adversely impacted. I knew that I had the right to dispute the validity of the debt, but was not given the opportunity. Nearly 4 years later, I'm still fighting to get that collection removed from my credit report. I discovered that because i live in Texas, i have the right to request Debt Validation under the Texas Financial Code. I had the letter ( attached ) mailed via USPS to NCC Business Service 's address that is listed on my credit report with signature confirmation on XX/XX/XXXX. They have yet to respond. As a result of them not responding within 30 days, that Texas Financial Code states that the tradeline must be removed from my credit report. I'm requesting assistance to get this matter resolved, as I have exhausted all my options. I've disputed that account countless times, with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I had a XXXX XXXX account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX  XXXX. I contacted XXXX   XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I had a XXXX  XXXX  account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX XXXX. I contacted XXXX   XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX  XXXX  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