vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Cavalry Portfolio Issues XX/XX/2018 On the evening of XX/XX/2018 I called Cavalry Portfolio Services ( XXXX ) XXXX to verify that my defaulted XXXX XXXX account placed with them for collection was paid off in a negotiated settlement. The balance due was around {$900.00} and we agreed to a settlement of {$600.00}. 

Here is the conversation that occurred during the call : I told the Representative that I was still getting letters saying that the bill isnt settled. During the phone conversation the Representative said they didnt have any records of the bill being settled. The Representative than added that the only thing he can see is that a payment was returned for {$94.00} because of NSF. I asked for details about that payment, but he couldnt provide any details. I than ask how is it possible for a collection agency not have any records of our settlement agreement, payments received, but just a returned payment of {$94.00} for NSF, but no details on what the payment was for? His response was that if I wanted any information about the account I need to call XXXX XXXX XXXX ( XXXX ) XXXX. 

The following telephone conversation took place with XXXX XXXX XXXX : Their representative XXXX XXXX stated my balance was {$410.00} and they were willing to settle for {$280.00}. I asked if there were any records of any past agreements or payments in my file? Ms. XXXX sad, there wasnt anything. I than ask could I pay {$94.00} to settle the account? She stated, let me consult with my Supervisor. She came back with a counter offer of {$240.00}. I told her that the most I would pay is {$94.00}, but I know I dont owe anything. At this point her Supervisor XXXX XXXX took over the conversation. 

I asked Mr. XXXX can he see any settlement offers or payments in my file? He asked me how did I get their number? I told him the Representative from Cavalry Portfolio Services. I told him that I had reached a settlement offer with Cavalry Portfolio Service for {$600.00}. He again stated, there wasnt anything in the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. I sent a certified verification letter to XXXX XXXX XXXX XXXX on XX/XX/18. I still haven't received a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: MD

Complaint narrative:
JH Portfolio Debt Equities turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to XXXX XXXX, XXXX. This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked JH Portfolio to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX   about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: PA

Complaint narrative:
XXXX XXXX XXXX also dba XXXX XXXX, XXXX has received several requests from me to validate a debt that they have claim I owe. I have informed this company on several occasions that the debt they are demanding and harassing me for is a fraudulent debt. This debt is not mine and I asked for proof on numerous occasions. This company has failed to prove the information I am requesting, but instead provided a letter stating they are the " owner '' of a " sold '' debt. Midland has threatened to take legal action against me for a debt that does not belong to me. I have yet to hear back from Midland with the information requested as they continue to send " Pre Legal Notices '' and " ownership '' letters to stale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regards to a BusinessLine Mastercard with Wells Fargo.I had an  outstanding balance with favorable interest rates ( adjustable based on some index ) that had no expiry date ; it was offered to me more perhaps close to 10 years ago. Because I had a large amount of unused credit, last year the bank offered 3.99 % for 12 months. I called in to ask if payments would be applied to the balance with lower interest rate ( which I wanted because it has an expiry date ) and was told yes. However, in reality that is not the case. Some amounts were applied to the lower interest rates but some to the higher one. When I called in to request that all of the payment ( after interest and bank fees ) to be applied to the lower interest rates ( which has upcoming expiry date ), I was  told that that's not possible because they " can not make adjustments ''. When I asked why the payment was not applied to the lower interest rates as I was told, the reply was that that's the general practice but not always and I was referred to some fine prints that says the bank can decide how to apply payments. Most of the phone reps didn't even know about this fine print. I talked to three different phone reps and when I said payment was not applied to lower interest rates, they all initially seemed to think that their computer made a mistake!

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have had a mortgage, serviced by Shellpoint, which has been in default for over 5 years. My ex-husband was awarded the home. I was removed from the deed years ago and he ultimately refused to sell the house, allowed it to go it foreclosure and now filed bankruptcy to negate any financial responsibility. I've practically begged Shellpoint to foreclose on the home to put a period on the final item within my divorce that has been open for eight years. They refuse. I can not obtain credit because the account just  remains open in a very negative status accruing thousands and thousands of dollar in interest. I refuse to file bankruptcy. I've scraped to put my daughter through college. I can not obtain any type a loan because of this item and when it is foreclosed, face an additional seven years of negative reporting plus a potential lawsuit from Shellpoint because of any deficiency balance. I've complained many times, I am the only one receiving bills, calls, notices on a home that I have zero power in its final fate. It is deceptive on the part of Shellpoint to allow this loan to continue to accrue interest, to not execute a timely foreclosure and not provide a chance to work through and settle any deficiency balance. My ex-husband has lived in that home, mortgage free for almost 5 years. I don't understand how to end this nightmare and need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was notified on XX/XX/18 via credit monitoring service about a fraudulent inquiry appearing on my credit for Barclays Bank. I immediately called to advise them the inquiry was fraudulent and was advised their systems were down and that I would need to call back. I was alerted on XX/XX/18 that an account was established with Barclays Bank with XXXX XXXX. I advised it was fraudulent and the representative advised that only one declined  transaction was attempted and that the account would be closed right away. I also submitted a dispute with the credit bureaus and received a response that Barclays determined the account was mine and it now had a balance of nearly {$4000.00}. The account was opened with a fraudulent address in XXXX, AZ and with a fraudulent phone number. I have never lived anywhere other than TX.

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 2018-11-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB on My credit report twice First hard inquiry-XX/XX/17-National Credit cards/Airline Second hard inquiry-XX/XX/17-National Credit cards/Airline Both of these are completely wrong- I have tried calling SYNCB, National Credit Cards, XXXX XXXX and XXXX   and I keep getting the run around.

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 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX requesting validation of an account in the amount of {$1900.00}. 

On XX/XX/XXXX I opened a dispute with each of the credit bureaus ( XXXX, XXXX, and XXXX ) to verify the accuracy of each account. All were verified with exception of XXXX, which deleted the account. However, the date open is inaccurate since the accounts date of first delinquency is XX/XX/XXXX ( confirmed by the original creditor during call on XX/XX/XXXX ) and XXXX XXXX XXXX is reporting the open date as XX/XX/XXXX. From my understanding the Open date must match the date of first delinquency. 

On XX/XX/XXXX, XXXX XXXX XXXX responded with a copy of the statement, private medical information ( which is hippa violation ), hippa agreement. XXXX XXXX XXXX is not listed on any hippa disclosure agreement they sent to me.They did not provide all of the requested validation items which included a request for an agreement with the original creditor stating their authority to collect on the alleged debt. Additionally, how are the credit bureaus able to very an account that not been validated with the consumer. 

On XX/XX/XXXX, I contacted the original creditor to get all previous statements that would have been mailed to me prior to the account being turned over to XXXX XXXX XXXX. The hospital billing department could not provide me with the statements and told me that I needed to contact XXXX XXXX XXXX to obtain those items since the account is now with them. However, the hospital did inform me that the date of first delinquency was XX/XX/XXXX. I called medical revenue services to obtain a copy of all statement and was told the only I will get is what they have already sent. During this call the associate and supervisor were rude, condescending, and made a few accusations in regards to my character stating that I lied in a dispute to the credit bureaus stating I was never at the hospital which is entirely false based on the letters I have to this complaint which I have attached. She also made comments about my mode of living and stability, which can be proven to be inaccurate.I have attached a recording of the call from today.

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 2018-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Opened XX/XX/2007 Charged Off/Closed The account is 8 years + old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has private interest rates on my loans set for 13.25 % I have almost {$50000.00} in private loans, its been at this high interest rate since I graduated. They tell me, they don't set the interest rates, there is nothing they can do. This company is a virus, they make it so you can only pay interest and nothing happens to the balance. I have tried everything with them but my credit score is too low to refinance with another company and I can't find a co-signer that works either. I have been out of school for 6 years, I have a good paying job I am an XXXX - what they are doing is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've just seen my credit report for the first time, and I see all the inquiries that I do not recognize. I'll list all of them here.

1 ) XXXX XXXX XXXX : XX/XX/XXXX : Never applied for Credit.

2 ) XXXX XXXX XXXX  : XX/XX/XXXX : Never applied for Credit.

3 ) XXXX XXXX : XX/XX/XXXX : Does not use XXXX. We use XXXX.

4 ) XXXX XXXX XXXXXXXX & XXXX XXXX XXXX : XX/XX/XXXX - it has 2 hard pull inquiry on credit report. Please combine into one, as two of them incurred on the same date of XX/XX/XXXX. Bought only one car.

5 ) XXXX : XX/XX/XXXX : Do not recognize this entity.

6 ) Furthermore, I only have 4 XXXX  Credit Cards, and on the Credit Report, it lists 6.

Please delete 2 of 6 inquiry.

Lastly, thank you for your help.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE SOME MEDICAL BILLS ON MY CREDIT REPORT, BUT THIS COMPANY IS VIOLATING HIPAA LAW. 

IM REQUESTING TRANSUNION TO REMOVE COLLECTIONS AS THEY VIOLATED HIPAA LAW. 

PLEASE BE ADVISED THAT UNDER FEDERAL STATUTES, THE FAIR CREDIT REPORTING ACT, ( 15J U.S.C. 1681 ET SEQ ) AND CALIFORNIAS CONSUMER CREDIT STATUTES, AND SUBTITLE D OF THE ARRA, SEC.13401. APLLICATION OF SECURTIY PROVISIONS AN DPENALTIES TO BUINESS ASSOCIATES OF COVERED ENTITIES, AND DEC. 134407 ( 1 ) BREACH OF SECURTY. 

THE TERM " BREACH OF SECURTIY '' MEANS WITH RESPECT TO UNSECURED PHR IDENTIFIABLE HEALTH IMFORMATION OF AN IDIVIDUAL IN A PERSONAL HEALTH RECORD, ACQUISTION OF SUCH INFORMATION WITHOUT THE AUHORIZTION OF THE INDIVDUAL YOU MANY BE HELD LIABLE FOR THE ACTIONS OF 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 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data Search NY, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to Track America , INC . This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked XXXX XXXX to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX  ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Today is XX/XX/2018 and for the past few days I have been in contact with XXXX XXXX   customer support team. I do believe that there has been a breach in the contract since contract expressly states that the loan is a daily simple interest loan which accrues interest on a daily basis. So when the contract says in plain english that " prepayment of principal may reduce the total amount of interest you pay under this agreement '' then I do expect to save money on the interest as stated. So on date of XX/XX/2018, I paid {$1000.00} so shouldn't I have saved on the interest according to the contract? But instead my balance went up more then the original pay off amount so I getting ripped off by these people while I am here trying to do what's right. Why am I paying more interest charges of the portion that has been paid in advance in a daily simple interest loan? This is not what I signed in the contract. I do also have copies of the email correspondence from Netcredit 's support team sounds like they gave me the run around. 

My total balance on XX/XX/2018 was {$1600.00} and I paid a total of {$96.00} on Friday and {$1000.00} on XX/XX/2018 so why is my balance {$600.00} Where is the reduced total amount of interest?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation