vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I just recently started getting calls from this company, when they call they do not identify the company they work for and they do not tell me what they are calling for they just say debt. I am at work when they call, I asked them on XX/XX/18 to cease calling me and to make all attempts to contact me cease. I have not gotten any letters for collections owed in the mail and i have lied here for 5 years. They keep calling me, repeatedly and I am now making this a formal request to cease contacting me, I will make complaints with the XXXX and the FTC if this keeps going on.

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 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I saw my account with XXXX XXXX reporting something which perked my interst since it seemed incorrect. I went ahead and mailed them on several occasions requesting documents to show what they are reporting are accurate like the date this account was opened, the last payment on this account etc. They failed to respond even once.

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 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; Portfolio Recovery Associate, known as collections. XXXX XXXX XXXX, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. Portfolio Recovery Associate, for the amount of {$500.00}, merchant XXXX XXXX and XXXX XXXX XXXX, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I purchased a condo in XXXX County, Ohio XXXX in XX/XX/XXXX. Since that point, my Mortgage lender, Huntington National bank has not paid any of my county taxes due in XX/XX/XXXX or XX/XX/XXXX, and my mortgage states that Huntington is responsible for that. Huntington has,  However payed over {$13000.00} out of my Escrow, ( making it over {$10000.00} net negative ) to 4 parcels that I am not, and have never been associated with. On XX/XX/XXXX, I saw my mortgage statement increased from my regular {$400.00} to {$2600.00}. I contacted Huntington mortgage department on XX/XX/XXXX, spoke with XXXX, who discovered that those 4 parcels being paid from my escrow did not match my name or address. She also noted that my parcel was not listed. She told me to call back on XX/XX/XXXX for resolution. I have since spoken with multiple other people from Huntingtons tax department, including Supervisor ( name available ). They are continuing to do research but still do not have a resolution. At this point, {$2600.00} is scheduled to come out of my checking account towards my mortgage, due to Huntingtons error. And my county taxes are still delinquent, but huntington has verbally told me they will cover all penalties and fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
TransUnion has the following information on my credit report and it is not correct : Shows a late payment account from : XXXX XXXX  This has never been late. 

XXXX XXXX XXXX This is not my account. 

XXXX XXXX This account was never late. It shows charged off. {$57.00} XXXX XXXX This account was never late. It shows charged off. {$4000.00} XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

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 2018-08-28 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: MA

Complaint narrative:
I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax does not deliver credit reports via XXXX. The request always crashes and the consumer gets a message that the report can not be delivered online and must be delivered by mail. This is designed by Equifax to make the consumer endure the hassle and time delay of requesting the report by mail or forcing the consumer to BUY the report online. This is by design. Yes, it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
this company first obtain my credit report with out my authorization and now put a collection on my report that affect me to get a mortgage loan in the one i working for so long to have and i do not recognize this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm really frustrated in trying to resolve this matter with Capital one, I requested statements from them since they are reporting several lates and I wanted to see when these payments were posted since I feel I was always on time with my payments. 
My first request was with the bureaus on XX/XX/2017 I got a response from capital one XX/XX/2017 which I will provide attached. Again I sent in a request to the bureaus several times following that time to which I got the same or similar responses. I provided all the information they would need to look me up. I feel like the responses are just trying to avoid responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have a derogatory mark listed on my all 3 of my credit reports listed by a company name of XXXX XXXX XXXX. I do not and have NEVER had a contract signed with the listed company. According to my credit report the company is a third party collection agency for XXXX XXXX. By Law a third party company can not collect on a debt that is not belonging to them, so therefore it is requested that the debt listed in the amount of {$850.00} be removed from all 3 credit bureaus immediately. The company has failed, lacked to provide documents of the validity of the debt with their office and being that they can not provide a validity of the debt with them XXXX XXXX XXXX, the debt must be removed along with all call to cease!! I do not have a contract with XXXX XXXX and as a third party collector they can not collect a debt that is not owed to them!!

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 2018-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
We have sent several certified letters and emails requesting payoff amounts, proof of fees, history of payments and other pertinent information. 

NES acknowledges receipt of requests but will not respond or even provide any useful or relevant information in writing. 

The one form letter/statement NES sent left more questions and problems than answers and it did not respond to any of the concerns we inquired about, like the allegation of there being more than one account.

They have said several times that they can only communicate by telephone and thus provide no written records.

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 2018-08-28 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: NY

Complaint narrative:
I am a victim of identity theft

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 2018-08-28 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: HI

Complaint narrative:
Equifax has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX XXXX XXXX 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
The problem is I consolidated all my loans due to interests accumulating just got higher and higher in the amount of XXXX. My loans from the schools I attended XXXX loans were higher.. I work for a non profit and I fall under all the criteria for public service and Navient formerly Sallie Mae and the Department of Education didn't help or any of there programs my payments are still out of my reach and I have a low paying job because non profits don't pay much and this situation is very stressful XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I paid off lease # XXXX for purchase in the Name of XXXX XXXX  on XX/XX/XXXX. The Lease is through GM Financial. The Lease was for a XX/XX/XXXXXX/XX/XXXX serial # XXXX. This was a lease in my mother 's name. As she entered a XXXX XXXX and we rearranged her finances, I decided to pay off her lease and purchase the car for my own use. Since the payoff I have repeatedly attempted to obtain a title. To date I have faxed the odometer statement and titling instructions a total of 4 times and to 2 different # 's supplied to me by GM Financial Representatives. I call weekly and every week there is a new excuse. First they don't have a fax, then they have the faxed odometer statement, but not the titling instructions. Both documents have been included in all of the faxes sent, and I verbally communicated and faxed ( 4th fax of the same docs. ) titling instructions on XX/XX/XXXX. It is now XX/XX/XXXX and I am on hold again after insisting that I speak to a supervisor and faxing the same documents to her direct fax line. This is my 5th Fax transmission all from a business fax line that sends as many as 100 faxes/day. She has purportedly called the Titling department to and passed the documents to them. However she has informed me there will be a 3-5 day delay for " processing '' : I feel at this point, that this is a pattern of behavior with the objective of holding the title after receipt of the payoff in order to make the asset side of their balance sheet reflect a more positive number. When one works the numbers conservatively, if GM Financial is successful in holding titles for 25,000 units at an average payoff amount of $ XXXX for 30 days it is a $ XXXX addition to the asset side of the balance sheet. This is called working the " Float '' and GM Financial appears to have it down to a science.

The length of the title transfer process of GM Financial needs to be looked into by the the CFPB and punitive actions should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX XXXX XXXX   Experian, XXXX  and XXXX Disputing a debt in the amount of XXXX. All letters were sent Certified return receipt. As of this writing, I have not received one letter from XXXX. ( 5 ) months. I called multiple times and was transferred to ( 3 ) Collection agencies that could not find my account. I strongly maintain that I do not owe XXXX XXXX XXXX XXXX dollars. 

Letter 1 XX/XX/2018 Letter 2 XX/XX/2018 Letter 3 XX/XX/2018 Letter 4 XX/XX/2018 Letter 5XX/XX/2018

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: AL

Complaint narrative:
Payments was made to selene as always. I made 4 payments in one month XXXX. Also in XXXX made 2 payments this was to applu for the month of may and  XXXX. I also made a payment in may that was informed the shortage due from escrow analysis and if paid in full monthly rate would not increase. Selene shows no  payment activity document med feom XX/XX/2018 to XX/XX/2018 in which the state I am two month behind. The payment was not received despite it being documented on the mortgage statement they mailed. They have XXXX unaccounted for that keeps getting reversed appled to escrow now showing fee changes and fines. Which are under dispute. They to this to scare me with an intent to accelerate notice today. Refuse to return call. Or respond respa any further that acknowledging the document was received. They have violate my rights and livelihood intentionally refusing to correct this matter that shows evident on their statement that the funds wss received. I have contacted an attorney but this Is still my responsibility to ensure action is being taken to correct this. Havoc and moral turpitude exhibited causing my family a hardships in several ways

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
THIS IS BEING REPORTED AS A NEW DEBT I HAVEN'T BEEN TO XXXX HOSPITAL IN MANY MANY YEARS. I HAVE WROTE LETTERS TO THEM FOR DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am surprised to see a late payment reporting in XX/XX/2017 from Toyota as far as i'm concerned all my payments have been made on time. I have made requests from toyota to show me when they received the payment which would have caused this late to occur I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
I have a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX  my original loan was with XXXX  until they were indicted been sold off to XXXX XXXX XXXX who promised me a modification made me go into default and then while I was in XXXX they foreclosed on my property this unaccredited service or XXXX XXXX  based out of XXXX what is going on here. I am in litigation and I need assistance Does this agency really protect the consumer. I tried to modify my loan in XXXX What does property in XXXX and put a ton of money into it. They purposely did not want to modify my loan. To collect fees from the Fed. There is a case of XXXX County court the property is XXXX XXXX XXXX XXXX XXXX XXXX mass I have been obliterated by these banks please assist as I may have to go to the press for this entire event, this is ruining our socioeconomics in the country running our children and our economics with unfair play. Please assist XXXX XXXX XXXX. A law firm called XXXX XXXX XXXX XXXX  based out of XXXX illegally foreclosed on my property on XXXX XXXX put it on auction and illegally sold it off without proper notice and jurisdiction of the Commonwealth of Massachusetts. Supposedly the new owner never closed he came to my door and told me he bought my house online. I have no Trust passing signs on my property and yet he still knocked on my door looking in my windows I filed a complaint with the police department. I am suing the servicer the bank and the attorney that represented the bank or an accredited service are based out of XXXX Florida XXXX XXXX who I never heard of Ive been paying my mortgage since XXXX taxes insurance maintenance this is got to stop please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I do not have a signed contract and or knowledge the company Receivables Performance Mgmt which also goes by the name of RPM. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$540.00}. It is against the law to collect on a debt that is not associated with the original collector and RPM has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to RPM

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