vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is what I sent to LoanCare with their contact information Dear LoanCare I am writing you because I believe I received late charges that I did not deserve. I would like the charges refunded or taken off my principle. 

this month I made 2 mortgage payment one was receive and the other was not. 
Please view a payment made on the XXXX as well as the XXXX. The payment on the XXXX was processed after a number of days but the payment on the XXXX was never process. 
the XXXX payment was received ; the XXXX payment was denied for bad check reversal. When I called Loan care I was told I did not use the correct account and routing number. I checked with my back who told me I was using the correct account and routing number. 
Further I have resubmit my payment with the same numbers and it was receive with a late charge. I would like the late charge returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Loan Inquiry : LoanCare XXXX. XXXX  XXXX XXXX   XXXX, VA XXXX Attn : Consumer Solutions Department Payments : LoanCare XXXX XXXX  XXXX XXXX, PA XXXX Notices of Error/Information Requests : LoanCare XXXX XXXX XXXX XXXX XXXX, VA XXXX Attn : Mortgage Resolution Overnight Address : LoanCare  XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Sent from my 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 2018-03-29 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: PA

Complaint narrative:
I want to report XXXX &  Experian for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I sent a certified letter to XXXX   disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that XXXX VALIDATE that said information was mine. I advised XXXX that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet XXXX still claims the BK Court has CERTIFIED the information is accurate. Advance Resolution Services INC. has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC
State: FL

Complaint narrative:
A GreenSky Credit participating Merchant charged entire amount of GreenSky Credit Line ( {$9000.00} ) without notice, without a legally valid and executed Certificate of Completion, without Authorization to Charge and before commencement or completion of contracted scope of work and against my express request that it not accept said charge. Merchant submitted forged, fabricated and/or falsified documents to GreenSky in order to obtain said payment of {$9000.00}. GreenSky was put on notice of this falsification and continued to honor this change and debt. GreenSky has continued to attempt collection of this debt despite being provided with complete copy of Police Report, Sworn Complaint Affidavit and Dispute Forms. Legal counsel has contacted GreenSky relative to this matter and it still refuses to issue a credit of {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2015 XXXX XXXX XXXX ( Account ) # XXXX appeared on my equifax credit report with a balance of {$870.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: LA

Complaint narrative:
The accounts listed below was deleted off my credit report and was later put back on my Equifax credit report. By law Equifax is required to notify me 5 prior before reinserting any account ( s ) back on my credit after the account has been deleted. I will take further actions if the accounts are not deleted off my credit report. 

Account : XXXX XXXX XXXX XXXX : LA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2018, I received a written notice from XXXX XXXX XXXX XXXX XXXX. regarding an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2016 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of {$13000.00}. ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX appeared on my credit report with a balance of {$1700.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: NV

Complaint narrative:
I had an issue with XXXX XXXX that stems from XXXX losing my account for twice. I had been a customer for 7 years and suddenly my service gets cancelled. The reason I was given on one of my 9 calls to XXXX was somebody tried to open service at my address and they weren't supposed to cut service but they did. After repeated communications where their accounting system did not show I made payments via auto pay or that I had an account for 7 years I was told by XXXX  to dispute the charges with my XXXX credit card, which I did. I also closed my account. At the time of closing I had a XXXX   balance as I paid everything. Months later I was sent a bill with cancelled payment fees. I contacted XXXX again notifying them I closed my account and that XXXX told me to dispute charges. XXXX stated they are submitting paperwork to resolve the accounting issue. I haven't heard from XXXX since and it has been a few months. Today I received a notice from my credit monitoring that there are open accounts and derogatory marks posted by a collection company employed by 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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of XXXX ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On my credit report I am getting penalized for deliquent credit card accounts. These two accounts were my ex-wife 's, which she had prior to our relationship. She made me an authorized user on both of the accounts during the relationship. Now, being divorced for almost 2 years, my credit report still shows association with her credit cards. The credit card companies can not access these accounts without her authorization or passwords, which I have zero access to which leaves me with my hands tied behind my back and at fault for her debt. I am unsure of the exact amount she owes or how long these accounts have been deliquent. I don't even know her account number or credit card numbers.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX representative called to collect a debt and had the wrong address. Ive written emails to dispute however Im faced with several calls indicating I owe a debt.

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 2018-03-29 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: TN

Complaint narrative:
Equifax has not deleted the collection from XXXX XXXX XXXX in the amount of {$5000.00} despite the fact that we how sent them documents that this is well outside of the reporting deadlines and has been illegally re-aged. The other credit bureaus has removed the incorrect information by Equifax has still not removed this account to accurately report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked Equifax and XXXX  both to do more research on my score to repair it and they did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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: FL

Complaint narrative:
Hello. 

I keep getting harassing calls for a debt I do not have. The alleged " debt '' is from XXXX XXXX. The harassing calls and fraudulent debt claims are coming from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These people are also adversely affecting my credit record through this fraudulent claim that they have reported to the credit bureaus. 

Please have them cease and desist the harassing calls. I also want them to remove this information from the credit bureaus and from my credit record. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked XXXX and TransUnion both to do more research on my score to repair it and they did nothing.

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 2018-03-29 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: LA

Complaint narrative:
Experian credit bureau is doing a very poor job at protecting me the consumer. I have disputed this account ( XXXX ) with Experian before and it has never been resolve. This account is falsely reporting negative information on my credit report. On my Experian credit report it shows updated payment history and I did not make any payments on this account. If I did may any payments why the balance owe did not go down? 7 years of this account will be up this year and I believe this company is updating payment history so the date of delinquent payments will start over meaning the 7 years will start over also. 

ACCOUNTS : 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 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Repeated told him that this accounts or not mine its fraudulent open and keep getting phone calls disputing and keep getting phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: OH

Complaint narrative:
Borrowed money in XX/XX/XXXX for {$1000.00} and the payments were never deducted from my bank account. After a few months, I contacted the original loan company and was told that they had no file with my information for a loan. I did not hear from them after that until XX/XX/XXXX when I received a rude message from a woman from XXXX XXXX stating that myself and my attorney needed to contact her. The woman also stated in the voicemail that I was the registered owner of a XXXX XXXX vehicle. The vehicle she mentioned belongs to my ex husbands wife, who happens to have the same name as me, following her marriage to my ex husband. I do believe the lady from XXXX XXXX received my contact information from my ex husbands current wife. After that, I continued to receive numerous messages about a file connected to me. I have been working with a credit repair company for a year and they had sent requests to this debt collector requesting they validate the debt but the documentation was never produced. I am in the process of taking the steps to purchase a home and I needed to get this debt removed from my credit report to move forward. I spoke with the lady at XXXX XXXX and requested validation of the debt which again was never produced. I was told my only option to resolve the debt was to pay a sum of {$850.00} to which I did pay on XX/XX/XXXX so that I can proceed with a home loan. All of the information that was listed on my credit report about this debt was incorrect and not validated. I am asking to have this information verified and corrected or have the account deleted from my credit report due to false information. I would also like to request a full refund for the sum of {$850.00} that I was forced to pay. Other than what was reported to the credit bureaus, there has not been any sort of documentation printed on paper regarding this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NV

Complaint narrative:
On XX/XX/2018 I received a notification from XXXX  and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief