vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 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: KS

Complaint narrative:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXXXXXX XXXX put to collection Portfolio Recovery the amount of {$490.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX   and XXXX  or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: MD

Complaint narrative:
In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
My XXXX credit card was charged {$810.00} on XX/XX/XXXX, two transactions of {$400.00} each. The charge was through Western Union, and I did not make this transaction and did not authorize use of my card for this transaction. Neither XXXXXXXX XXXX nor Western Union will give me my money back. Again, I never authorized the use of my card for this transaction. Western Union charged my card without my authorization. I have no idea who they gave the money too, none, and they won't give me the money back to me. They stole {$810.00} dollars from me and I'm getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
In XXXX, XXXX, and XXXX I found out I was a victim of identity theft while serving in t he United States XXXX. In late XXXX I was XXXX and lost my belongings in storage. I tried to fight it in the past and even in the present but had no success. The accounts that I'm disputing are with XXXX and as such. 
1. XXXX XXXX Parial account # XXXX First reported XX/XX/XXXX and now is considered a charge off. Recent balance {$10000.00} written off {$7400.00} 2. AD Astra Recovery Service Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$300.00} 3.XXXX XXXXXXXX XXXX Partial account XXXX XXXX First reported in XX/XX/XXXX which is in collections. {$500.00} 4. XXXXXXXX XXXX XXXXXXXX Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: KS

Complaint narrative:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX   the amount of {$560.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXX A by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX A I decided to contact again XXXX XXXX A by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaints : 1 ) JP Morgan Chase described our home loan as a traditional mortgage loan when they turned over our home loan accounting records from XX/XX/XXXX - XX/XX/XXXX to CFPB on XX/XX/XXXX. Our loan papers clearly document that our loan was taken out under the Texas Home Equity Instrument that we signed on XX/XX/XXXX with XXXX XXXX XXXX XXXX. 

2 ) At that time, we had more than {$360000.00} in our home. The Texas Home Equity Instrument required that our payments be applied to principal and interest first and late fees always last. Many payments we have made on our loan were not recorded or misapplied to late fees after Washington Mutual Bank took over our loan in XX/XX/XXXX. 

3 ) Multiple payments made by cashier checks as well as payments made in 2 Ch XXXX Trustee cases were never credited in to our mortgage loan nor payments that were returned to us by Washington Mutual. 

In conclusion, it appears that J P Morgan Chase appears to fabricate the accounting record that stop in XX/XX/XXXX when Washington Mutual sent the Texas paper mortgage records to XXXX from XXXX and the paper records never arrived at the XXXX storage facilities. Since I have the original paper mortgage records, and we are are currently battling over inaccurate accounting records, JP Mortgage 's falsifying accounting records helps our case but other home owners should appreciate the pattern demonstrated here

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I contacted capio partners collections due to receiving a email regarding a change tonmy credit report. It stated I was hit with a medical bill of XXXX from XX/XX/XXXX I contacted the collection agency right away. The first agent I spoke with they attempted contact by mail and email and was not credit reported yet. I advise the agent it was reported and that is how I found out. The number on file was never my telephone number and the address they used is a very old address from XXXX. I was never notified of the debt as the insurance is under my child father and lives in a different state so I would not receive the bills. I contacted the hospital and agency to request record of hospital documents from that day as it would have my updated correct information. If the hospital and agency would have reviewed the documents from the debt they are stating I owe. I would of been contacted and the debt would of been dissolved and would not of effected my credit report. The agency refused to place it ima. Dispute status. I had to do this my self. I want this removed immediately as I was not notified to allow the opportunity to resolve the debt. If it not removed and settled with me correctly I will file legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). Trans financial ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX '' and XXXX XXXX ( which was account transferred from " XXXX XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX XXXX XXXX XXXX '' and I have never done any business with XXXX XXXX ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. Trans financial, just contacted me on XXXX  2018, a year and one month, after the account, was placed on my credit file. As for the XXXX XXXX account. I have no knowledge of this account, what so ever and it is not my account, nor has XXXX XXXX, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act.

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Please see attached document Final Demand For Compliance

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 2018-04-13 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: KS

Complaint narrative:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX  put to collection XXXX XXXX XXXX the amount of {$490.00} opened XXXX2015. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX  to find out why they put me in collections. I contacted XXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX I decided to contact again XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This is third attempt at fighting off the collection of this debt I have requested from the company debt validation and they have failed to validate the debt.

The company Calvary is stating that on XXXX XXXX2014 that it sent notice under 15 U.S.C 1692g which is required by law.

They're stating themselves in the letter that it was returned as undeliverable and they're right because I never received any letter or notice.

It is also been stated that Cavalry investigated the disputes and verified the information provided, however there's no accurate information to backup their allegation.

The person stated in the account who owes the debt it showed that it was a XXXX XXXX  now they're changing their allegations and saying that in the original creditor is a XXXX XXXX XXXX. I'm neither of those two names my names is XXXX XXXX XXXX requesting to have both of these debts removed from credit bureaus where they are been reported and cease collection records as they are not my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime
State: NC

Complaint narrative:
My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on.

DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this.

I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX  themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes 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 2018-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Coast Acceptance Corporation
State: CA

Complaint narrative:
So on theXX/XX/XXXX I spoke to someone in customer service because I was unable to make my payment due to the fact that I recently had a baby and was on maternity leave and would be returning to work soon. I told the girl XXXX payment would be late since my first check was going to be on the XX/XX/XXXX I first asked her if I could do both months on the same day she told me no. Okay I then asked if it was okay for me to do one payment that friday theXX/XX/XXXXand the payment forXX/XX/XXXXshe said it was fine just to not brake the agreement i then said thank and if it was anyway she can give me her name and send me an confirmation email with the agreement she then refused and said she couldn't do that. I left it alone and said okay. So fast forward to today the XX/XX/XXXX i get a call from the finance that my payment was due on theXX/XX/XXXX u then tried explaining the situation to the gentleman and he sent my call to the lady I had spoke to she then answered my call and was super rude started to scream at me saying I never said that and that she would have never made the agreement and that there was nothing she could do since my car was out for repo, I then told her I wanted to speak to her manager. I  was on hold for a really long time different people kept answering my call and wouldn't even talk to me and just kept forwarding my call until I got to the manager. Which was super ride screaming at me saying I was a liar! Because his employee never said that and he couldn't help me and that if I didn't pay at the end of the day my car would get repo! He wouldn't even give me a chance to speak so I hung up on him and told him I would file a complaint. He then called me back extremely rude threatening me that he would go for my car then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

Capital one XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

XXXX XXXX XXXX Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation