vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap. 

1. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX  This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RC HAS BEEN CALLING HARASSING ME AND TREATING ME & REPORTED FALSE INFORMATION TO THE XXXX XXXX  TO HURT MY CREDIT SCORE IF I DONT GIVE THEM CASH PAYMENTS AND MY SSN #. FOR AN ACCOUNT THAT I DO NOT OWN. THIS WAS A FRAUDULENT ACCOUNT & XXXX XXXX HAD REMOVED IT FROM MY CREDIT HISTORY & CLEARED ANY RESPONSIBILITY ON THIS FRAUDULENT ACCOUNT THIS FROM MY CREDIT HISTORY. PORTFOLIO RC HAS BROKEN CUSTOMER CREDIT LAWS FOR FALSE INFORMATION TO HURT MY CREDIT SCORE. XXXX XXXX HAD SENT ME A LETTER 4 YEARS AGO AND LAST YEAR THAT THIS ACCOUNT WILL NOT BE ON MY CREDIT HISTORY EVER AS THIS WAS A FRAUDULENT ACCOUNT, THAT SOMEONE STOLE MY INFORMATION. PORTFOLIO RC HAD NO RIGHT TO ADD THIS FRAUD INFORMATION TO THE CREDIT BUREAUO. I HAD WRITTEN A LETTER PAST 4 YEARS TO XXXX XXXX XXXX XXXX XXXX AND THEY BOTH AGREED TO REMOVE THIS FRAUD ACCOUNT FROM MY HISTORY. PORTFOLIO RC BROKE THE LAW AND ADDED THIS REMOVED FRAD ACCOUNT, THAT IS NOT MINE, IN MY NAME & THEY NEED TO REMOVE IT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/21, my mother in law received a text supposedly from Pay Pay, addressed to me, stating it would help get my account in good standing. They also gave a number to call. There is no reason my mother in law should get calls or texts regarding my debts. In addition, her phone number is nothing like mine, so it could not have been a mix up. the number listed that sent the text was XXXX, the number on the text was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCHRONY BANK HAS DISCRIMINATED AGAINST ME BY CLOSING MY ACCOUNT THAT I HAVE HAD WITH HSN FOR THE PAST 9 YEARS SYNCHRONY BACK TOOK OVER AND IN ONE YEAR THEY CLOSED MY ACCOUNT. DURING A GLOBAL PANDEMIC WITH NO REASON. 

SYNCHRONY BANK SHOULD BE INVESTIGATED AND CLOSED DUE TO THEIR AGGRESSIVE ILLEGAL BUSINESS TACTICS. 

I DEMAND THAT MYACCOUNT WITH HSN BE OPEN SYNCHRONY HAS CLOSED MY ACCOUNT FOR A FRAUDULENT REASON THEY HAVE BEEN PAID AND THEY ARE LYING AS TO THE REASON THEY CLOSED MY ACCOUNT. I WOULD LIKE SOMEONE TO LOOK INTO THIS DUE TO THERE FRAUD AND TREATMENT OF MINORTY CUSTOMERS LIKE 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 explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XX/XX/2021 I XXXX XXXX sent a debt validation letter to XXXX XXXX for an alleged debt owed. On XX/XX/2021 they breach my right to privacy which is a violation of 15 usc 1681 with a false certain and deceptive form. Which is a violation of 15 usc 1692J and 18 usc 1341. I never did business with this company so I don't know how they got my personal information which is a violation of 18 usc 1028. In this form I received they told me that it was an attempt to collect a debt. Which is a violation of 15 usc 1692b ( 2 ). Also they had their logo in the contents which is a violation of 15 usc 1692b ( 5 ). They also harmed my reputation by reporting this false information on my consumer report which is a violation of 15 usc 1692d ( 1 ). They also used obscene language by telling me I owe an alleged debt and this was an attempt to do so, which is a violation pursuant to 15 usc 1692d ( 2 ). They also tried to make me pay the alleged debt by advertising it on my consumer report for companies to see, which is a violation pursuant to 15 usc 1692d ( 4 ). Since I know deletion is admission, I now that they know they violated me. Every attached document, I have also sent to the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I filed a Chapter  XXXX bankruptcy that was granted a discharge XX/XX/XXXX by XXXX XXXX. I did not sign a Reaffirmation Agreement and I kept possession of my XXXX XXXX financed through T.D Bank and continued my payments. After a car accident the XXXX was deemed totaled by the insurance company and T.D Bank was paid in full and T.D Bank actually was overpaid and had to cut me a check for the difference. 
T.D Bank has repeatedly reported to XXXX credit agency incorrect and negative account information. I have reached out to T.D Bank via mail and telephone and T.D Bank has not responded or corrected the errors that were reported to XXXX ( This has been an on-going issue since XXXX ) I have submitted multiple credit disputes with XXXX regarding T.D Bank violating the Fair Credit Reporting Act, each time the dispute resulted in XXXX adjusting or deleting the incorrect and negative account information reported by T.D Bank and within days T.D Bank would report new negative and false information to XXXX. The most recent being XX/XX/XXXX, T.D Bank reported one week that I was currently in a active XXXX  XXXX  and after I submitted a dispute XXXX  deleted it. Within days T.D Bank reported that an account I have not had in ten years was delinquent, missed payments for 30, 60 and 90 days as recent as XX/XX/XXXX. 
T.D Bank violating the Fair Credit Reporting Act has played a huge role in qualifying for credit line increases, qualifying for low loan rates, credit denial and completely stopped my pre-approval for a mortgage. 
My lawyer sent a letter to T.D Bank requesting they correct the errors immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My mortgage loan was sold to Carrington Mortgage. They are suppose to be applying the loan modification to my account to bring it current. They have refused to do this. They have had my loan for almost 6 months now. They also put me in a Covid-19 program. I never asked to be placed in this program, I never signed up for it!! They have threatened to foreclose on my home. I started making payments in XX/XX/2021 based on the loan modification set up with XXXX XXXX XXXX, I have been paying. Carrington Mortgage sent a letter today saying the Covid-19 program I signed up for has ended, they have been reaching out to me about making payments on my mortgage???!!!!! They have not reached out to me I have bene reaching otu them since day 1 and not one has helped me with getting the loan modification applied to my mortgage to bring the account up to date. I have spoken MULTIPLE times to XXXX XXXX with Carrington Mortgage. She initially told me they dont have the loan modification, I faxed what I had more than 50 times to them. She now says oh we have it, wejust needs to be processed.?? I feel like they are trying to take my home by not processing the loan modification. I got the letter about the covid-19 program today. That disproves anything she has told me. I need HELP. I am doing the right thing I am making payments like I should Carrington Mortgage and XXXX XXXX have horribly mishandled my Mortgage. They should not be able to get away with this. I feel mostly that everything they tell me is a lie. They are trying to take my home. I am stressed, worried daily. I have XXXX and XXXX with all of this. I am trying to do this on my own with not results. HELP ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NY

Complaint narrative:
Letter sent to Equifax on XX/XX/2021 in regards to a collections account that was reported on credit file. This was removed in XX/XX/2021 and re reported on XX/XX/2021. This is incorrect information as the collection agency XXXX sent a letter that it has closed and requested it be deleted from Credit Agencies. Equifax is in violation of FCRA. Subject to XXXX USD fine. This item was reinserted on my credit In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
A debt collection company " I C SYSTEMS COLLECTIONS '' on behalf of XXXX XXXX has reported that I owe {$120.00} to credit agencies. 

The last time I had a XXXX XXXX account was XXXX of 2019. That service was at an address, XXXX XXXX XXXX XXXX, GA which I left in XXXX of 2019. At that time I paid the final bill, returned equipment and never got another correspondence from XXXX since XX/XX/2019. I've not received an email, phone call or written notice that anything was owed or that I was being sent to collections. I had absolutely no opportunity to address any issues with XXXX or I C and now have a collections on my credit. 

Until this appeared on my XXXX credit report I had no idea that their was an issue and to date I have still not received anything stating that I owe anything to XXXX  much less what it is that they claim I owe {$120.00} for. 

I don't live at the address where the service was but XXXX had an email address and phone number to reach me if they needed to reach me about something I owed. Instead they chose to silently send a balance which I do not believe I owe to a collection agency.

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 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: TN

Complaint narrative:
I received an unusual text from National Recovery Agency about a debt with a Maryland utility company, XXXX. I had never heard of National Recovery Agency and I have never received a text message in place of a letter from a collection agency, with a link to pay processing fees in addition to the amount owed. A few hours later, I received a call from the original debt collector, XXXX, who had no knowledge of or connection to National Recovery Agency. Fearful of a scam, I contacted XXXX directly and took care of the balance. I then called National Recovery Agency and spoke to a XXXX XXXX. I explained what happened and asked to be removed from their list. I explained that I didnt know if their tactics were legal, but that I no longer wanted to be contacted by them. XXXX XXXX became belligerent, and abusive, telling me that I only called to argue and then she abruptly hung up on me. This behavior, in total, is unacceptable.

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 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
XXXX XXXX is deceased. XXXX XXXX, I'm the owner of XXXX XXXX XXXX XXXX XXXX MD XXXX. I Took over mortgage payments in XXXX. 

I was unaware I had to pay XXXX XXXX, additional {$98000.00} XXXX XXXX XXXX balance XXXX for previous refinance, by the deceased homer owner.

The bank want the lump sum at one time So I to File bankruptcy XXXX, in order to keep my home. 

According to bankruptcy court she had a Orginial fixed rate loan payment with a due date pay off was in XXXX, which I still paid beyond the due date. 

According Master bankruptcy court my attorney was to investigate the loan as directed by the judge on the fixed and ballon payment. 

The judge said it was fixed loan. I'm still paying loan {$87000.00} 9.8 % rate interest XXXX principal. 

XXXX XXXX sold mortgage to 3 times to subsidiary banks such XXXX XXXX servicing, SN Servicing Corporation. 

Since then XXXX cash my homeowners insurance check to fix {$6200.00} foundation in XXXX, never return it to fix foundation. 

Homeowners insurance also sent need new roof XXXX and the SN SERVICING CORPORATION received the check from my Insurance is still holding that check for over a year, and I can not get roof or foundation fixed due to this issue with my mortgage compand and im still paying them for the loan through bankruptcy court. 

My ceilings have molded, also part ceiling fallening, and my income tenant move out. This is also a health hazard to me and my family. Roof still leaks. I'm still in bankruptcy paying mortgage to SN Corporation ... about $ XXXX so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC
State: TN

Complaint narrative:
I have already filed a complaint about the abuse I suffered at the hands of XXXX XXXX of National Recovery Agency. National Recovery Agency violated the law by sending a text to me before XXXX in my time zone. Their text was sent at 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 2021-07-02 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: CT

Complaint narrative:
The Equifax response to my complaint XXXX was non-responsive. Since I have been significantly damaged by their actions, score drop of 86 pts in 1 month after successfully refinancing my home for {$570000.00}. I have filed a small claims action in XXXX XXXX XXXX seeking {$10000.00} in damages and/or referral to NY State Attorney General against Equifax/XXXX  XXXX XXXX. I will be filing a complaint with the Connecticut State Attorney General shortly as well. 

Equifax/XXXX  must be ordered divulge the exact statistical method, factors, parameter estimates, confidence intervals, false negative/positive rates, point estimate errors and other such data as to ascertain the efficacy of their credit scoring business and the harm it can inflict on individuals like me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, nor did I authorize these inquiries to be pulled. Please remove them from my credit report.

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 2021-07-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TX

Complaint narrative:
XXXX XXXX XXXX WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.

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 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation