vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 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: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE 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 non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has given place a address on my account linking me identity to someone else in their database. 
I have copies of when I paid my account and this very different address comes to my email stating that this is my personal information. 
I have never lived here and Bridgecrest has made this mistake. 
I have proof that this was a continuous problem that Bridgecrest never updated their database mixing accounts together. 
I know Bridgecrest would tell me about their system was down and having problems taking payments and sending out reminders and confirmations to customers in the past. 
But never not one letter stating that there was a data breach and offering any resolutions to resolve this identity problem about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
I have disputed this debt numerous times. I sent Conserve a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Conserve has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Conserve : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: GA

Complaint narrative:
Since 2016, I have been in dispute with two of the three credit reporting agencies, XXXX and Experian, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to Experian and XXXX on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. Experian nor XXXX are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to 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 2018-06-14 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: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My current mortgage company " Mr. Cooper " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX.

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: NV

Complaint narrative:
I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: WI

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both Equifax & XXXX in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to Equifax & XXXX in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXXXXXX XXXX  has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXXXXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a debt validation to Waypoint Resource Group which they received on XX/XX/XXXX. In response the collection agency provided a account number with a bill/account history. I filed a complaint through the CFPB on XX/XX/XXXX advising that collection agency did not provide the documentation that was asked for which was to validate the alleged debt in questioned. The collection agency responded to complaint advising that their records are correct and accurate. I am filing another complaint because I requested for validation of the debt not verification. Providing a bill/invoice/statement is not a form of validation of the alleged debt, it is a form of verification which is not what i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I started the process of a HELOC application with BBVA Compass Bank after recently moving. From the beginning of the application process I provided everything to them and all within a timely manner. The application was mishandled by the banker who took my information and did not gather all the correct information. He strictly took the details available to him and generated the application. Upon complaints of processing taking so long I was finally told that he had done this wrong and my account was the handed to a new relationship person based out of XXXX. She was friendly but continued to ask for duplicate information and I thought we had everything resolved. Finally I got an email that said that additional information provided was not sufficient and that I needed something further. Upon providing this to them earlier this week I am now being told that my application has been declined for insufficient information - even without this review. It is astounding to me that a bank would treat someone like this. I have referred several friends to BBVA based on having an earlier account with them but now am faced with the choice of restarting the application. I will re-start the process but it will now be with another institution as they have lost all my trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: GA

Complaint narrative:
Since 2016, I have been in dispute with two of the three credit reporting agencies, Transunion and XXXX, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to XXXX and Transunion on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. XXXX nor Transunion are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have disputed this debt numerous times. I sent I.C. System a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute I.C. System has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to I.C. System : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible 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 explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
VA Lender XXXX XXXXXXXX XXXX sold Va loan to Round point Mortgage to collect {$260000.00} and foreclose my home. 
XXXXXXXX XXXXXXXX XXXX denied my legitimate claim to repair my exterior because of uncircumstances of plumbing water leak inside of the walls. 
XXXX new home construction of XXXX refuses to fix my home issues. 

XXXX XXXX has a law firm to denied my claim. 

I am XXXX, Retired.I am in XXXX having XXXX XXXX XXXX   with my primary doctor XXXX XXXX XXXX since XX/XX/XXXX till present. There could be a possible XXXX. 
I need to be in my home after my medical treatments in XXXX. I already filed complaints against XXXX XXXX and Round Point, there is a major scandals, fraud and corruptions of XX/XX/XXXX till Present. 
My home is not in condition for me to be living because of molds, and repairs issues. 
What is the investors are going to do about my XXXX accommondations under my ADA Disability Act Civil Rights under Department of Justice? 
This is a very urgent matters. I am stress and i am prescription medications for my pains.

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 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: RAS LaVrar, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX RAS LAVRAR LLC, went into my daughters account and put a legal order debit on it, I have a XXXX XXXX Bank. My daughter is XXXX years old and she's the primary account holder I'm just the co-signer because she's a minor. This company said that they sent me to court and I had not received any notification and this is not right. I'm currently living on XXXX XXXX, XXXX and that account I had it open in XXXX, XXXX. I opened it up on XXXX with XXXX XXXX XXXX  and this account I closed it on XXXX. I really need help because I don't think this is correct and something is wrong here and this company haven't try to do anything either to contact me or help me to resolve this matter. I spoke with XXXX ext XXXX, the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
original billing was with XXXX I told them to cancel long before billing I sent them notice they billed me anyway now the bill is in collection with a company out of XXXX not licensed in XXXX

Company response to consumer: Closed with explanation