vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have attempted to reach Midland Credit Management on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Midland Credit Management nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Midland Credit Management provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: AL

Complaint narrative:
XXXX XXXX  Of XXXX XXXX XXXX opened XXXX XXXX, 2018 for the amount of {$110.00}. Collection is not accurate, collection isnt 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 2021-01-31 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX my s s number is XXXX Im have a problem paying items at XXXX payl pal is preventing me from completing purchases because I dont have paypal or use it as I have been banned from paypal the most recent was XX/XX/2021 INVOICE DATE XX/XX/2021 ORDER NUMBER XXXX SOLD XXXX ( 1 item ) INVOICE TOTAL US {$120.00} Order XXXX XXXX XXXX Electric Guitar. Custom color, matte finish, Perfect See cancel details - INVOICE DATE XX/XX/2021 XXXX XXXX XXXXXXXX Electric Guitar. Custom color, matte finish, Perfect Status : The order was canceled beacause I couldnt complete the transaction all my creditcards are effected I can not us them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: SC

Complaint narrative:
I have attempted to reach Amerifinancial Solutions on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Amerifinancial Solutions nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Amerifinancial Solutions provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration for the multiple accounts that they are listing on my credit reports under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have attempted to reach NFCU on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. NFCU is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC

Complaint narrative:
Despite making timely payments to XXXX mortgage lender/Lakeview servicer, the organization has failed to make timely property tax payments resulting in penalty and interest accumulating on the account. Lender/servicer has also deducted amounts from the escrow account in excess than what was due for property taxes. 

Timeline : -Property tax bill issued XX/XX/XXXX XXXX showing {$1300.00} due for XXXX -LakeviewXXXX deducted {$1500.00} from escrow on XX/XX/XXXX XXXX for tax disbursement -Called Lakeview in XXXX to inquire about issue, and finally on XX/XX/XXXX, XX/XX/XXXX XXXX -Submitted waiver request form to XXXX on XX/XX/XXXX, to recover excess amount paid by Lakeview -Contacted XXXX to follow up on waiver request XX/XX/XXXX XXXX -Received reply from Real Property Program Specialist at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX who indicated no payment was ever received from Lakeview/XXXX -Sent letter to Lakeview/XXXX via certified mail on XX/XX/XXXX XXXX requesting a resolution to the nonpayment, penalty/interest issues and to correct the amount deducted from escrow. Also sent a digital copy of the letter using a form on the company 's website. 
-Received confirmation from Lakeview/XXXX  on XX/XX/XXXX that the letter was received -The accounts have not been corrected and there has been no response from Lakeview/XXXX to the XX/XX/XXXX letter.

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 2021-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As recently as XX/XX/XXXX my XXXX score was XXXX and had been hovering between XXXX and XXXX for quite some time. Then as of XX/XX/XXXX it dropped to XXXX and as XX/XX/XXXX it was XXXX. 
I was not notified of any problem, prior to the drop. 
My inquiry with the three credit score companies disclosed that TransUnion was the culprit. And that XXXX XXXX had hired XXXX XXXX XXXX to collect a claimed debt of $ XXXX.That was the first I knew of it. 
I've had an auto insurance policy with XXXX, since XX/XX/XXXX, when I moved to XXXX  from XXXX I paid them each and every premium that was due them. XX/XX/XXXX was the expiration date of the last auto policy I had with them. I, also, had a Condo policy with XXXX which I kept until XX/XX/XXXX. Effective as of XX/XX/XXXX I had a new auto policy with XXXX XXXX XXXXXXXX XXXX XXXXXXXX.. 
Furthermore, XXXX reported me to the STATE OF Of XXXX XXXX, MOTOR VEHICLE COMMISSION for lack of liability insurance on my auto. I had till XX/XX/XXXX to prove to them that I was indeed insured. In a letter dated XX/XX/XXXX, they wrote that my XXXX XXXX registration privilege will not be suspended because you have provided proof of current automobile liability insurance ... ....

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 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Garnishment assigned and no verification of debt received from attorney as asked for. 
Garnishment is from XX/XX/XXXX and then again XX/XX/XXXX {$2000.00} Call place XX/XX/XXXX and was informed they would send verification of many owed, never received, Attorney states they sent letter XXXX with a response. I have never heard from this attorney. Garnishment collected twice XXXX XX/XX/XXXX and said completed Writ og garnishment Doc Id XXXX, Case XXXX I remember having a XXXX XXXX card 20 years ago, my husband has one now. Name on ganishment is not spelled right. I was informed it did not make a difference the person was me. I told them that is not how I spell my name described to them I haven't had a credit card for them in 20 years. They informed me it was to late and this will continue as a garnishment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Reference number XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: SC

Complaint narrative:
I have attempted to reach XXXX on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

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 2021-01-31 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: SC

Complaint narrative:
I have attempted to reach XXXX  on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

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 2021-01-31 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: NY

Complaint narrative:
I opened my credit report, and i saw accounts and inquiries which are not mine. I believe, that someone stole my information and applied for these creditors.

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 2021-01-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an item being reported fraudulently to my credit files with XXXX, XXXX  and XXXX from Citicards. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with Citicards, XXXX, XXXX and XXXX, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission Lawsuit Against XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.

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 2021-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These three companies lack knowledge to how correct or report data. The issue of correcting my mortgage balance was never update or investigated. How can they lie that tis was done when I am still seeing the big error still on my reports. 

It is not in the $ XXXX as they report so their just do not know what their doing or lazy and think consumers should take their foolishness. 

Currently as of today my account with XXXX XXXX is the balance below. 
MORTGAGE ... XXXX {$100000.00} Outstanding principal balance This is what is currently shown on XXXX. Nothing was done. 
Report Number : XXXX Date Generated : XX/XX/2021 Account NameXXXX XXXXXXXX XXXX XXXX  Account XXXX Account TypeMortgage Balance {$100000.00} Balance 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 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc
State: WA

Complaint narrative:
First my complaint is not against XXXX XXXX XXXX as documented in your records. But against XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
There was also an error made in having XXXX XXXX begin their records search on XXXX XXXX, 2017 rather that XX/XX/XXXX, 2017XXXX XX/XX/2017. The actual dates that I was a patient at XXXX Hospital. Despite this error, you will see that it has no effect on the outcome of this very serious matter. 
Below you will find the attached timeline of my stay and the events that followed. Each with a documented evidence supporting my argument.

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 2021-01-31 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: TX

Complaint narrative:
I have an item being reported fraudulently to my credit files with XXXX, XXXX and Transunion from XXXX. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with XXXX, XXXX, XXXX and Transunion, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission XXXX XXXX XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.

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 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I recently refinanced my mortgage with Huntington Bank. My first payment was due on XX/XX/XXXX. I paid that first payment in full on XX/XX/XXXX. On XX/XX/XXXX, the payment was reversed as " misapplied '' but not returned to my account. I was charged a late fee and now my account shows over 30 days past due, which is not accurate. No one has attempted to contact me about this error and I only found out looking at my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. TOYOTA MOTOR LEASING Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TOYOTA MOTOR LEASING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
In XXXX, I purchased a phone number from the XXXX store because my old number was disactivated but I didn't like the number I bought so I tried to change but they told me that I needed to pay a fee of XXXX $ to open a new account and get a new number so I did, I payed the XXXX $ and I bought myself a new phone number but the lady helping me out forgot to disactivate the other number so XXXX charged me for every month even though I was not using the phone number. In summary I was charged a debt of XXXX $ for a phone number ( postpaid ) I was not even using because some lady forgot to disactivate it ... I tried a hundred times to dispute the transaction, I talked with 20 or more people on the phone contacted their debt collector company called " convergent outsourcing '' and they kept refusing to give me an explanation for the debt, they didn't know why I was being charged, they even told me that they conducted an investigation and that they sent me a mail to my mailbox but I did not receive anything. They ended up offering me a discount of XXXX $ and pay XXXX $ to clear the debt. I kept arguing with XXXX and convergent on the phone in vein. I was obliged to pay the debt of XXXX $ because they would eventually charge me the debt. If I hadn't payed the debt they would have pursued 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 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed an unusual charge on my Capital One statement. I contacted Capital One to resolve the issue. They extended a credit for the amount then simply reapplied the charge without notice or incident. I attempted to rectify the situation further only to be transferred 4 different times, each time having to explain what was going on. Fraud department refused to change the charge and said that there is absolutely no way it could be fraud even though the charge was at a business over an hour away from me ( in an area I would not go for any reason ) and something I would not patronize. So much for their " customer protection ''. 

Beware of using ANY of their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-31 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
XX/XX/XXXX. 

All sudden got notice that my lowes account was closed. Lowes won't say why account got closed.

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