vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Midland funding To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Credit Karma, LLC
State: MI

Complaint narrative:
I have hard inquires on my report from XXXX from another city

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have several loans with Navient. All but one are defaulted. The defaulted ones have been sent to a collection agency, who bought them from Navient. I am working with the collection agency, XXXX XXXX, on those loans. The one loan that I have open with Navient, I send a check for every Saturday. The loan number for the open loan is in the check memo. Navient continually applies this payment to the loans that are closed that they have sold to the collection agency. Every three months this ruins my credit report by showing missed payments on the open loan. This is happening even though I was {$1300.00} paid ahead on the open loan when I started making the weekly payments. I am pretty sure it is illegal to apply payments to closed accounts that you no longer own. These payments that are being applied to the closed loans are also not being reported to the collection agency and lowering the balances on their end, so in reality, it is just theft on Navients part. This has been ruining my credit for over a year now and every three months I have to call them and fight with them to correct it. However, the second they receive another payment, they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I agreed to pay XXXX XXXX of XXXX to complete my documentation for student loan forgiveness. They agreed to prepare the necessary documentation and continue to prepare the documentation for 3 years. The cost would be about {$1300.00} with {$50.00} per month payments. Apparently, they use a third party finance company called XXXX XXXX, which I thought were the same company but turns out they just buy the note from XXXX XXXX. XXXX XXXX XXXX is no longer in business and have not completed my paperwork for the loan forgiveness program. XXXX XXXX wants me to continue paying them for a service I am no longer receiving. This is a scam and they are defrauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I Have applied for a Loan, And been Scammed into a Fraudulent activity. I dint Know. Its has hurt my account and caused it to be in a Negative Balance. I have been on the phone with my Bank all last week. It has falling on me. All this begin on XX/XX/19. Now i just do know what to do, i am in hole. My bank should see my History and know i have not done any like this before. My bank act so cold towards me like they do not care. i am very surprise at them and very hurt.

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 2019-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
COMPLAINT XXXX XXXX has violated several rules of The Fair Debt Collection Practices Act : They called me numerous times daily, leaving messages and then to immediately turn around and call 2 of my family members leaving personal information with them including who they were. I spoke to them around XX/XX/XXXX asking them not to call anyone but me after that they called my sister ( s ) leaving a message as to whom they were.

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I started this dispute process in XX/XX/2018. NCS, said this information belong to me, but it is inaccurate. I have set multiple statements and verification in and the collection agency still say its valid. This issues is hindering on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In early XXXX of XXXX, I started receiving letters from attorneys and other companies stating that a notice of default has been filed on my home by Specialized Loan Servicing ( SLS ) therefore on XX/XX/XXXX, I called SLS and spoke with a representative named XXXX. XXXX advised me to send in a Request for Modification Assitance application ( RMA ), and that once received I will be assigned to a single point of contact to work with me throughout the process. 

On XX/XX/XXXX, I called SLS to inquire why my application was still in the status of Document Intake and was informed that they would only accept a court order for child support, although their RMA application does not state that a court order is the ONLY acceptable documentation. Consequently, I sent a letter via email requesting SLS to process my RMA application with my other income. On XX/XX/XXXX, I called to follow-up on the status of my application and was informed that my application had been withdrawn and I would need to start the process over. The representative was unable to tell me how, when, or why it was removed. I asked to speak with a supervisor, but as usual, no supervisor was available. 

On XX/XX/XXXX, at approximately XXXX XXXX I called SLS and spoke with XXXX who again stated that the application was withdrawn. I asked for a supervisor and instead was transferred to XXXX in the Loss Mitigation department ( XXXX XXXX ). I explained the situation to XXXX, and he apologized that I was informed. He stated that SLS had all of the necessary documentation. Thus, he would reprocess and send my application to the underwriting team for review, and they would assign me to a single point of contact. 

As of today XX/XX/XXXX, my online RMA status still says document intake, SLS has not been in contact with me, and I have yet to receive a notice of default from SLS. 

Documentation timeline submittal via their specified email XXXX is as follows : XX/XX/XXXX : RMA Application,  Paystubs, and XXXX Tax Return. 
XX/XX/XXXX : Hardship Letter, Bank Statements, and KYHCA Approval Letter XX/XX/XXXX : Child Support Documentation XX/XX/XXXX : Child Support denial letter Please Note : Each time that I have called SLS I have been advised that my loan is at 2 % which is the lowest rate available. However, that is incorrect as my loan is currently at 4.375 %.

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 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA

Complaint narrative:
On XX/XX/2019 the company wrote that the debt would be settled in full if we paid {$11000.00} by XX/XX/2019. They received the funds on XX/XX/2019. On XX/XX/2019 the wrote acknowledging the payment and demanding the original balance. The settlement offer clearly states hat the {$11000.00} would clear the debt and that we would be receiving a letter to that effect. I have called them twice and been told that the letter had been mailed. They are obviously lying. 

The company Id : Stoneleigh Recovery Associates XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: GA

Complaint narrative:
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 2019-04-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1200.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my Equifax and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector. 

When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything. 

This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report. 

I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/2019 I contacted XXXX XXXX bank to locate the owner of my debt. XXXX XXXX sent me a letter ( attached ) with the name and address of the Creditor. It was Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX CA, XXXX ( XXXX ) XXXX. XX/XX/2019 at XXXX PM EST, I contacted the creditor at the above telephone number. I spoke with an operator named XXXX.I told XXXX that XXXX XXXX had stated that they owned my debt and I was calling to settle it. I stated that I was not willing to make any payments over the phone, however I will make a payment at a company website. After he verified my contact information, he stated that the company did not offer online payments. So I asked him to send me an invoice and I will return the bill with a check or money order for the full amount. He told me that they will not send anything without a payment agreement delivered over the phone.I asked for a manager. An XXXX XXXX stated that they would not send anything to me unless I make a payment agreement over the phone. I stated that I dont make any business transactions over the phone. I asked him if he was refusing to accept payment from me and he stated that they will not send me a bill or written explanation of the debt without a payment agreement delivered verbally over the phone.They are preventing me from settling this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Today, Monday XX/XX/2019, I was charged for a TransUnion Report, Score, and 3-Bureau Monitoring service that I never requested. I just wanted to place a fraud alert after my brothers identity was stolen, but, while in the process of creating an account online with TransUnion, received an invoice for this service that I did not select. After a brief call, they said they would cancel it but couldnt ensure a refund. I find this behavior by one of the 3 primary credit monitoring bureaus to be deceitful and disgusting.

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 monetary relief
Consumer complaint received 2019-04-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX never late

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 2019-04-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization,  Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX never late

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 2019-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In Mid-XX/XX/XXXX2019, I received a letter from XXXX XXXX XXXX, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that XXXX was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through Firstmark Service was going to be terminated or how Firstmark Services was going to be notified of this settlement result. 
When I called XXXX XXXX XXXX for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through XXXX XXXX XXXX, and no one else. When I called Firstmark Services, they insisted I needed to pay Firstmark Services. 
I called both Firstmark Services and XXXX XXXX XXXX multiple times, and verified that that all of my private loan that was being serviced through Fiirstmark Serivces wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both Firstmark Services and XXXX XXXX XXXX are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXX XXXX XXXX   without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for XXXX XXXX after multiple transfer of calls. Neither Firstmark Services nor XXXX XXXX is willing to look into my situation. Both Firstmark Services and XXXX XXXX are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither Firstmark Services nor XXXX XXXX XXXX has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX and Firstmark Serivces seem to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I request CFPB to look into this matter for me. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my XXXX and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report

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