vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The company put {$6700.00} on my credit report as to what is owed & the amount is twice less at {$2700.00} and wont take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program Consolidated Credit and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did  charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.

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 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing to dispute the charge off in the amount of {$360.00} of Walmart account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to XXXX XXXX XXXX ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.

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 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  : Debt Recovery Solutions Amount {$310.00} Claiming That I Owe XX/XX/2019 Date Reporting On My Credit Profile Requesting *** VOD *** Validation Of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program XXXX XXXX and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.

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 2019-04-27 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: MO

Complaint narrative:
In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a XXXX ( XXXX ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 )  XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.

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 2019-04-27 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: MO

Complaint narrative:
In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a XXXX  ( XXXX ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 )  XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.

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 2019-04-27 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: MO

Complaint narrative:
In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a junior ( jr ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 ) XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 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: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX  XXXX ; XXXX   XXXX XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Somehow I owed approximately {$94.00} to an old electric company. I have not been with the company for almost 3 years and was not notified of the amount still owed. 

I had payment arrangements with Express Recovery Services and stopped paying them regularly when they notified me of the additional charge from the XXXX XXXX power company. On XX/XX/2019 I contacted them concerning my bill and the extra charge and requested on two separate occasions that I be sent a statement on this bill and where it came from and for when the charges had occurred. I did not receive any imformation. 

On XX/XX/XXXX I received a bill for the above mentioned electric bill AND for another charge for XXXX XXXX XXXX for which I have no records of even having a bill with them. I still have not received the statements for the power bill. 

Prior to the incident in XXXX I had been paying on a medical bill from the XXXX XXXX XXXX Hospital that I was not able to pay prior. However, once I began receiving these additional bills I stopped the auto-payments and have not made additional payments to the account as I am still waiting for a detailed payment statement to arrive. All I receive in writing from them concerning the amounts that I owe are the companies they are claiming they bought my debt from and the amount and interest. There is no further information to protect me so that I know these payments are legitimate. No account numbers, no dates, nothing. I am also not getting accurate information from the individuals I am speaking with on the phone and they are clearly not taking accurate notes and not sending me the proper information. 

Today I received a threatening letter from the XXXX XXXX of XXXX XXXX XXXX stating if this was not disputed and paid they would send this to have a judgement placed. 

The ONLY written correspondence that I have received from the company are the attached documents. None of which answer my questions as to what I owe and why. The employees I spoke to we're XXXX and XXXX both of which informed me that sending documentation wouldn't be a problem. As you can see from the uploaded documents the statements do not provide enough information for me to know where these bills came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I, XXXX XXXX, am writing regarding the charge off in the amount of {$380.00} of XXXX XXXX account # XXXX, XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$30.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus shows reported payments received from XX/XX/XXXX up until XX/XX/XXXX. 

I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$120.00} ; however, my XXXX report shows an original charge off in the amount of {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am a valid member of Navy Federal Credit Union, they have locked my account due to a fraudulent check which I e deposited. I have sent a Fraud Appeals 6 page letter about the fraudulent check ; however, Navy Federal Credit Union will not release my account so I can pay my Bill 's. I will gladly provide you with a copy of my NFCU fraud response. My telephone number is XXXX. My email address is XXXX. I look forward to either hearing or reading your response. Sincerely yours, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: OH

Complaint narrative:
I contacted the credit bureau regarding accounts that are inaccurate and that Im not aware of and have no obligation to. Credit bureau is still reporting the account ( s ) and not sending requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 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: MO

Complaint narrative:
I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXX XXXX. Please remove these unauthorized unknown accounts.

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 2019-04-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've contacted Experian for a couple months or more regarding the accounts on my credit report. They're inaccurate. Nothing that I have knowledge of and obligation to. I havent received any information and the accounts are still re-reporting as negative.

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 2019-04-27 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: MO

Complaint narrative:
I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXXXXXX XXXX. Please remove these unauthorized unknown accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I, XXXX XXXX, am writing regarding the charge off in the amount of {$380.00} of Synchrony bank account # XXXX, XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$30.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus shows reported payments received from XX/XX/XXXX up until XX/XX/XXXX. 

I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$120.00} ; however, my XXXX report shows an original charge off in the amount of {$380.00}.

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 2019-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
I received the first collection statement dated XX/XX/XXXX, from Century Credit & Collections , LLC. The statement was addressed to myself and also listed my XXXX minor children. First amount requested was {$1400.00}. Total amount listed was {$1900.00} " due '' by XX/XX/XXXX. There was no breakdown of charges for either amount. 

I sent a response letter asking for a breakdown of charges and to advise of the XXXX minor children as they should not be listed. I received a voicemail from XXXX XXXX requesting payment and asking if what I had stated in my response letter was true. 

The next letter from Century Credit & Collections , LLC dated XX/XX/XXXX listed a new amount due of {$1900.00}, " due '' XX/XX/XXXX An additional letter dated XX/XX/XXXX stated that I had been given sufficient time to pay my debt and that I have ignored their attempts to collect the debt. The new amount due was {$1900.00}. 

This agency has been adding to the balance due approximately every XXXX weeks, with no breakdown of charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
2 years ago I was mistakenly given a violation by the county toll  roads. I had, and still do have, an account and FastTrack tag with the toll roads, however on the date in question the tag did not register when going through the toll. When I received the violation, I immediately contacted the toll roads via telephone. I gave the representative my account information and assumed the problem was solved. However, for the last two years I have been receiving collections letters from multiple collection agencies regarding this violation. And every time I provide proof of my account and that the violation was a mistake etc etc, but still the collection attempts continue. The latest agency to buy this account is Linebarger, Goggan Blair & Sampson, LLP, who continually ignore my attempts at resolving this matter. I have disputed the violation and provided proof to the company in the manner they request, and they ignore it. And I have sent the company three cease and desist letters, all of which have been ignored. As a result, Linebarger, Goggan Blair & Sampson, LLP have clearly violated the Fair Debt Collections Practices Act ( FDCPA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: FL

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Unkown : XXXX ; Unkown : XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
ic systems is trying to collect debt for XXXX who sold a non functional phone product but they knew they had insufficient cell tower coverage when they sold the product/service.

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 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX  is trying to collect debt for XXXX who sold a non functional phone product but they knew they had insufficient cell tower coverage when they sold the product/service.

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