vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: MO

Complaint narrative:
This company ( Enhanced Recovery Co ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
OLD INFO REAPPEARED

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
OLD INFO REAPPEARED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a letter collecting on a debt owed to the IRS, even though the debt is not mine. I know this not only because all of my taxes have been paid to date, but also because the letter does not identify me properly and has the wrong SSN listed. This seems to be a shady practice of claiming to collect on a debt that does not exist.

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 2019-11-05 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: MO

Complaint narrative:
I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry fromXX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/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 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
Received a letter from CMRE Financial Services for medical debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I received a phone call from a debt collector on a Friday afternoon. I explained to him that my XXXX union was notified and they were going to pay for the services. He then proceeded to ask why wouldn't I pay the bill with a credit card and i can get reimbursed from the insurance company. I explained to him that the information was already being processed. The claim was paid for I don't owe any copays or coinsurance. He stated why wouldn't I pay for the services. You have excellent credit, why wouldn't I just pay. This man harrassed me while I was at the supermarket with both my kids. I asked him to give me until Monday because I did not have the proof in front of me. I called both the credit company and XXXX  office. I was told they were going to retrieve the account from the collection company. I received a call last Friday telling me that the account was placed on hold until they completed this investigation. I called Dr. XXXX XXXX office spoke to XXXX who stated to me that I am not responsible for this bill. I am very upset that I was harrassed for this bill and it was put on my credit report. When I have been cooperating with them in trying to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early warning systems is reporting a fraudulent bank account that looks like the bank is trying to update my information to, and it says Account type is unknown but that it has a combined loss and fee of XXXX Which again is fraudulent, I never opened this account nor do I have an email address they have listed. 

Early Warning again providing fraudulent information since I am a victim of identity theft and they refuse to block the fraudulent account # XXXX which says Contribution reason - Account Abuse. I have never opened this account, there are no XXXX  locations near me the email address they have listed for this account is also fraudulent. It is illegal to put my address on a fraudulent account when I never received anything from this instituion. This account is fraudulent, and as a result of identity theft. This account should be blocked from my file. 

Again Contribution Reference # is XXXX Early warning refuses to do anything about it and continue to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Bass & Associates, P.C., Attorneys at Law
State: MI

Complaint narrative:
I tried to make a payment arrangement with Bass and Associates to try to resolve my account. I was denied the hearing because if two pieces of documentation. Now my wages are being garnished from two different student loan one is XXXX that is already garnishing 15 % of my wages now Bass and Associates would not make reasonable accommodations on repaying back the student loan. I asked them for options one option was to pay XXXX in 90 days to close the account. I asked them what are the other options they stated i would have to pay XXXX a month current make XXXX a hour with a wife with a XXXX that work part time and a XXXX year old child. I thought by getting and completing my degree that life would be easier but it just made it worse. I sent them all of my paper work that they requested which outline all my bills and submitted the information and was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Lost my job in late XXXX and I couldn't keep up with the current mortgage. Wells Fargo but me in the forbearance plan and when I found a new job in XX/XX/XXXX, Wells Fargo asked me to repay the entire late total in full. I requested a loan modification several times and Wells Fargo denied me. Wells Fargo is requesting I pay XXXX dollars are my home will be foreclosed on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
This is for transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, date cleared : XX/XX/XXXX, for {$120.00} My bank is Zions First National Bank, routing : XXXX I went to XXXX XXXX  on XXXX XXXX XXXX XXXX, XXXX, UT on Sunday, XX/XX/XXXX, around XXXX XXXX, and checked out around XXXX XXXX  During checkout, I paid by using my Zions Bank debit card, and decided to take some cash back for {$100.00}. 
The cashier till drawer was empty, and she only had {$100.00} bill. 
She gave me a brand new, crisp, {$100.00} bill, and it was an old series {$100.00} bill from XXXX. 
She said, she only have this {$100.00} bill. 
I was going to reject it, and asked for the new series, but there were a long line already, and decided to accept it. 
The cashier at that time said, she just opened her line, and took the till from the safe room. 
Also I thought, hey the bill was brand new and crisp, just older series. Also it came from the `safe room`. 
VERY BAD Mistakes on my end! 


When I looked at the bill in more detail, on Monday, XX/XX/XXXX, I noticed the bill : 1. has a wrong security strip that says XXXX, 2. has wrong watermark, from XXXX XXXX  bill 3. on the back, right corner of the bill, there is still some shadow of {$10.00} written. 

I went back to the store the next day, but neither the store manager, nor the store loss prevention care a little bit. 
I called my bank, Zions bank, and they will not help either Apparently no one ( merchant, and the bank ) care about counterfeit {$100.00} bill at all. 

On the same day, I went to the XXXX XXXX XXXX - US Secret Service field office, because this is a big issue ( which unfortunately the manager of the store does not think of an issue! ). 
I gave the counterfeit bill to the agent, and she immediately recognized it as counterfeit. 
I explained the whole story, of what happened, where I got it. 

She gave me the receipt of the confiscation of the counterfeit {$100.00} ( it is attached ). 

I opened a dispute with Zions Bank, my bank, and they closed it as " no error occured ''??? And I need to resolve this with the merchant directly, even though the merchant simply will not resolve this issue at all.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McNeil & Meyers Asset Management Group, LLC
State: IL

Complaint narrative:
My wife and I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX with the final distribution signed by the judge on XXXX ( attachments provided ). One of  the creditors listed was XXXX XXXX. The debt owed to that company was discharged with our other debts on XX/XX/XXXX. Fast forward to XXXX when we tried to refinance our home and found an adverse credit mark on our credit from a company called : MCNEIL & MEYERS RECEIVABLES MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX. According to our credit reports, the debt was placed for collection on XX/XX/XXXX. This date is 6 months after our bankruptcy was discharged and nearly a month after the final distribution. We had opened no new account with XXXX XXXX. I contacted McNeil & Meyers and sent a copy of the bankruptcy discharge paperwork showing XXXX XXXX had been included in our XXXX bankruptcy. They refused to take it off our credit report and said they could only comment it as a bankruptcy. We then disputed the debt through XX/XX/XXXX and XX/XX/XXXX ( XX/XX/XXXXdid not show it ).  This what we received fromXX/XX/XXXX which is how we started the dispute : Direct Dispute Past Dispute XX/XX/XXXX Completed MCNEILMYERS Reported on XX/XX/XXXX {$0.00} Item Results Result : Deleted - XX/XX/XXXXhas deleted the account or record from your XX/XX/XXXX credit report. 

Dispute Reasons Accuracy : This account is not a collection or charge-off. 
This account is included in bankruptcy. 
Dispute Results From XX/XX/XXXX XX/XX/XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

I just got a message today about a new adverse mark on my credit report and this same debt collector has entered this same incorrect information on my and my ex-wife 's credit reports, showing that it was closed on XX/XX/XXXX and our account updated on XX/XX/XXXX. My ex-wife checked her report and it is back on hers as well. 

My wife and I have since divorced and both of us are getting ready to buy new homes and this will obviously affect our ability to do so or to get a better interest rate. I want this entry removed from my credit and this company advised to stop adding it to my credit. It was not a charge off, it was discharged in bankruptcy and this company knows full well that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector has been harassing me and my family for years. My credit report shows that this company does not own any outstanding debt on my credit report however they are making soft inquiries into my credit without my legal permission and in turn lowering my credit score. The dates of these inquiries are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. Phone number listed for the company is XXXX. Please do something about this as they are also harassing people in my address/building.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2019, my Amazon Store Card ending in **** was hacked, and fraudulent purchases never made or authorized by me, in the amount of {$XX/XX/XXXX}, were charged to my account. I received notifications from Amazon that these items -- including cubit zirconium wedding rings, baseball caps, gardening supplies and kitchen supplies -- were being shipped XXXX on XX/XX/2019 ) and delivered to my address. None of these items, however, was ever received by me, except for one small, light package ( which I assume was the wedding rings ), which I returned to sender, unopened. 

Numerous attempts have been made with the credit card company, Synchony Bank, to resolve this issue -- but to no avail. Several times the charges have been removed from my account -- only to be put back once again after Synchony denied my claim. I have provided to Synchony all of the documentation I have. ( I will provide all of this documentation to you as well, along with this complaint. ) I don't know what else to do, and so I am reaching out to the CFPB in the hopes that you can help me resolve this matter.

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 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
XX/XX/XXXX Car payment is due however I was out of the country due to a death in the family. During the time I was gone I received multiple text messages to my telephone. I receive text and telephone calls multiple times per day. No bill in the mail. 
XXXX Your XXXX payment is now 4 days past due and we don't have anything scheduled! 
XX/XX/XXXX You are 5 days delinquent. 
XX/XX/XXXX account past due XX/XX/XXXX Contact Prestige to get your XXXX payment scheduled ... 
XX/XX/XXXX XX/XX/XXXX Your account is now in active collections. we must have your arrangement secured immediately. The longer you wait to pay the more money you are adding to the loan ... 
XX/XX/XXXX Prestige is a second change lender. 
XX/XX/XXXX Is there a problem ... 
XX/XX/XXXX We are running into a pretty substantial problem ... 
XX/XX/XXXX If there is a problem or you need help with arrangement or a reduced payment ... 
XX/XX/XXXX You have options including a reduced payment ... 
XX/XX/XXXX I would rather keep this between you and I but collections efforts continue unless I can show that we are working .... 
XX/XX/XXXX sorry but if you aren't going to make these payments I can not help ... 
XX/XX/XXXX I am sorry but if you aren't going to make these payments ... I can not help this is your transportation and should be a priority .... 
XX/XX/XXXX Normally your account is paid by now ... 
XX/XX/XXXX I you are struggling I have options ... 
XX/XX/XXXX You have put this off until the very last day and now we only have a few hours to resolve the delinquency. 
XXXX Effective today your contract with Prestige has been forwarded to XXXX in Collections due to non payment .... 
I returned to the US on XXXX when I went through my mail I did not find a billing statement. Also I have been making payments of {$370.00} monthly for years but my balance is higher that the original balance. I think Prestige is stealing from customers and they threaten instead of allowing clients to pay off their vehicles. The more they threaten the more they charge and the accounts never get paid off until they repo the cars making them more money. Its a horrible unethical company and I wish I never purchased a vehicle through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TAG Intermediate Holding Company, LLC
State: TX

Complaint narrative:
I Have a account on my XXXX file number XXXX. I did not open this account 3 years ago. I need proof of date signed and signature for the date in mentioned. If none could be provided under this contract I request it come off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient, who apparently is a debt collector, has called my home for the past 3+ months, 2 times every single day about debt for a person that is not in my family. They leave messages about this person who apparently has debt and request that i call them back, 2 times a day around XXXX and around XXXX, every day. Me, nor my wife, nor my XXXX XXXX  daughter have have ever had any school debt, and both of us are college grads and I'm a XXXX. I have a common last name apparently. They are violating FDCPA law by leaving messages about someone else 's debt on my phone and asking me to return their phone call more than once, which they do every single message, 2x a day. I have emailed them asking them to forward my email to their legal dept to remove my phone number from their system and today I receive a message, case closed, with no action. I'm tired of deleting 14 messages every week and more tired of listening to them call at XXXX every nite when I'm with my family.

Company response to consumer: Closed with explanation