vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it may concern, After filing my first complaint with PRA through mail, experian, and the CFPB I still havent been able to resolve the issue of proving this debt belongs to me. In their last response to my complaint they said the mailed me letters in the mail that saying a deb that does not belong to me has been sold to them. I never recieved it. They replied that this debt is mine by listing an adress which incorrect and it is no where on my credit report stating that this address is accurate.They also said it is the responbility of XXXX XXXX  on what they reported to them. I contacted XXXX XXXX  as I have two credit cards with them curently active and in good standing. They have no records of these accounts, further more they have a strict policy that if I were in collections with a past card of theirs I would not be able to obtain new cards and even credit increases. This is further proof that this debt does not belong to me. After asking PRA to provide proof which should be easy to do if the debt is mine they told me they are not legally required to do so. They only inform of an incorrect address from XXXX  years ago and say that this debt is mine. They have not provided me witha contract that I have signed which bonds me to any form of angreement. They have only sent a screenshot with my last 4 of my social as well as an inaccurate address from a town I used to live in but it was not my accurate address which I explained in my letters i mailed to them. They have sent me over 30 letters stating I have a right to ask for proof that a debt iis mine but has not sent me the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We have been trying to get NewRez/ShellPoint Mortgage Servicing to sign a SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT for 7 months and they will not respond. This will cost the homeowner over XXXX XXXX dollars over the life of the lease. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: TX

Complaint narrative:
A company by the name of MRS BPO showed up on my credit report to collect on a debt that was provided to them from XXXX XXXX XXXX XXXX - this debt is not mine and I have had multiple conversations with XXXX  on this matter. 

When relaying this information to MRS BPO they stated they didn't care what I had provided to XXXX  of proof of address and/or that this was not my account and that this was my debt no matter what - they would ensure this would stay on my credit and ruin my chance to do business with other utility service providers until I paid this debt. 

I want this removed - I want this company flagged - I want this debt to be cleared from my social security number at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX  by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, XXXX  XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX, Transunion and XXXX XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not Transunion and XXXX  , and company continues to report the information now. 

XXXX  Credit Bureau Reports Lanier Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.

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 2020-11-11 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
XXXX, XXXX  and XXXX is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX and XXXX is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Today, XXXX  XXXXXXXX  Day, I contacted Navy Federal Credit Union to discuss my credit card rewards and a new application. The person who picked up had no idea how the rewards work and he was part of the Credit Card team. Repeatedly he gave me the wrong guidance on the program and mis-directed me on the web site. 

I then asked him about application XXXX which denied me an additional card. He said it was because I only make {$10000.00} a year. I told him I make much more than that and he said well that's what I put in the application. I explained that every time I apply for a mortgage, auto loan or some product NFCU just screws it up and never grants it. 

They have my true salary and also get direct deposits from my employer 2 times a month. They have all my information and my FICO score is XXXX. 

So this XXXX  tells me that I put that value on the web site and I had to tell him 5 times that i did not. He said well we dont have access. I corrected him and said of course you have access to the application, the database and all components. i requested an audit and to speak with the Fraud Department. He refused to transfer me to either group. 

Meanwhile it impacts my credit by NFCU always running my credit score and then not providing a product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: ND

Complaint narrative:
I went to the ER in XXXX NE in the summer of 2019 while traveling. I first went to the VA XXXX  in the same town, as I am a XXXX veteran with a XXXX  XXXX  rating, and they couldn't care for me there so they sent me to the ER at XXXX XXXX XXXX. The VA XXXX  talked to the VA XXXX  in XXXX ND to gain access to my medical records and obtain an authorization number for my ER visit to be billed to. The authorization number is XXXX through XXXX. The authorization was faxed to the hospital ER and I also hand delivered a hard copy to the triage intake team. Within a few weeks of the visit I checked with the VA and they said it was paid in full. A few months later I started receiving threatening phone calls and a couple of letters from a debt collector called CMRE. CMRE said I owed some company called Virtual Radiologics for the ER visit and if I didn't pay right away they would ruin my credit. They said they could take a portion of my XXXX pension to pay off the bill as well. I gave CMRE the authorization number and told them to contact XXXX or the XXXX ND VA XXXX if they didn't believe me. They refused to accept the authorization and refused to talk to the VA or XXXX. Now they have illegally placed derogatory info on my credit reports. They are refusing to remove the derogatory info and they have called to harass me from several different phone numbers. After each time they have called to demand money and say they will take my pension I block the phone number. 
What CMRE is doing is a clear violation of the rules of the FCRA. I contend that XXXX XXXX  and XXXX XXXX XXXX are also complicit in this matter because they had the authorization number from the beginning and could have put a stop to this, but they have refused to discuss this issue with me and refuse to talk to the VA or XXXX to help settle this matter. I need the derogatory info that CMRE put on my credit reports removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
Account frozen since XXXX and still won't let me withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I recently obtained a copy of my credit report and I notice that it was an inaccurate acccount on my report. I have attached my FTC report ( reference number XXXX ) and my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I attended a timeshare presentation several years ago but did not make any purchase or commitment. 
Meridian Financial is now trying to collect from me for XXXX XXXX, but I never made a purchase, or signed a contract, or paid them any initial payment. 
I demanded that Meridian send me some sort of proof that I signed an agreement but they ignored my demand. 
Meridian has placed this fraudulent collection on my credit report at all 3 credit bureaus, which is damaging my credit score and causing me financial damages by inhibiting my ability to obtain credit.

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 2020-11-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I pay my balance in full every time I make a purchase using the banana republic synchrony Visa card. I had been issued a new card and the card number had changed months ago but I did not realize it would require a new entry in my online banking bill pay. I paid the balance as I always did and since I never received a paper bill or an electronic bill I assumed everything was fine. 

Weeks later, I start receiving delinquency notices via email. I called Synchrony to see what was wrong and they told me the balance was applied to the wrong card ; a card that had expired over a year ago. They assured me the payment would be reflected on my current balance and to be patient as it may take up to 10 business days. What went on after that was very frustrating. I make calls each week to follow up on the status with the representatives telling me it would be taken care of this time. I finally got so frustrated after about 2 months of dealing with them that I paid the bill again over the phone just to make the emails and phone calls stop. I still have not received any update about the payment made to the older card even though it was paid twice. 

I have since closed my account and will not do business with synchrony again.

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 2020-11-11 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: MD

Complaint narrative:
I sent a letter to Experian well over 30 days ago about the inaccurate information being reported by them and have not heard back from them what so ever. It seems I have been ignored completely.

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 2020-11-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion, XXXX  and XXXX  is reporting this repossession inaccurate on my credit report. First Transunion and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. Transunion and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

TU is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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