vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
XXXX   XXXX   XXXX  is on my Equifax report as a closed account that was charged off. It was already removed from Transunion and Experian during the identity theft investigation. I called Equifax to find out why it had n't been removed. They could n't give me an explanation that I was satisfied with. It was removed from the other bureaus back in  XXXX . Please help me remove this negative item that does not belong to me so I can recover my good credit standing. I have been extremely hard to keep my credit good because it effects so many parts of our lives today. Please please please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
On   XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   in   XXXX   GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

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 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I been receiving calls from Portfolio Recovery several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially XXXX/XXXX/XXXX I received a call from XXXX She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if PRA would delete it from my credit file she went on saying it will be on my credit until XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from PRA in writing or any notifications on how to dispute this debt with them. I went to PRA website located at https : //www.portfoliorecovery.com/ I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want PRA to stop calling me off of an automatic dial system such as " ROBO CALLS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: CA

Complaint narrative:
Collection USA INC Account XXXX {$4900.00} Breach of lease in AZ was caused due to domestic violence and the leasehold office allowed my ex-husband to enter my apartment without notifying me ( only on lease ). They witnessed him climbing the balcony and did not notify the authorities. The Collection Agency did not do it 's due diligence when dispute was filed. State Law ( XXXX XXXX. XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: AZ

Complaint narrative:
Hello i have disputed multiple items over the month with transunion. They keep comming back verified. Transunion hasnt produce any documentation proving they verified these accounts. Federal law stats that they must have my contract on file. They just keep verifying these accounts without showing any documentation.

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 've disputed child support enforcement account #   XXXX   going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since  XX/XX/XXXX - XX/XX/XXXX  without missing a single payment since the day I was ordered to begin paying child support,   XXXX   and  XXXX , have fixed the account listed above accordingly and in my favor since I have proof, experian seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the  XXXX  county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement  XX/XX/XXXX  to be exact, according to experian I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks

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 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield and associates keeps calling everyday at least 10 times a day repeatedly, and I have told them to stop contacting me because my hours of work are   XXXX   XXXX   to   XXXX   XXXX   and when I get off of work it is inconvenient for me to get a call so late at night.

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 2017-08-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On   XXXX   XXXX   2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
They are calling me at work after telling them repeatedly I am not allowed personal calls at work/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent outsourcing   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA  XXXX   XXXX  Keeps doing credit inquiries on me.
I contacted them and they asked for my SS number immediately. I did not provide it.
I do not owe any one any money as of  XX/XX/XXXX  to any company or person. Besides my normal cc companys.
Every time they inquirie it lowers my fico score

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 2017-08-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I signed up for an account with Equifax. The scores they have for themselves,  XXXX  and  XXXX  are all incorrect and do n't match any other FICO score for me. I called Equifax and they refused to help me over the phone, saying that they could not give me a score over the telephone. I am trying to buy a house and the mortgage company I am using uses Equifax exclusively so I have been rejected for a mortgage. As well, I paid down a lot of debt and as a result, Equifax dropped my credit score by  XXXX  points.
Incorrect information plus no customer service. As well, their website is almost always down for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all  XXXX  credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have notifed Midland Funding LLC that I am not liable for a Balance of {$900.00} that is being reported to  XXXX ,  XXXX , and  XXXX . Midlands Funding has failed to provide Validation of the debt, that proves that I have a signed contract with them.
I notified them that I have exempt funds in the form or Social security Benefits and   XXXX   Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that Midlands Funding LLC discontinue collection efforts and delete all accounts that are being reported to  XXXX ,  XXXX , and  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
Oracle Financial Group   XXXX   XXXX   XXXX    XXXX  NY   XXXX   Toll Free :   XXXX   www.oraclegroupllc.com   XXXX   XXXX  , 2017   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , CA   XXXX   Original Creditor :   XXXX   XXXX   XXXX   Balance : {$4000.00} Reference :  XXXX  Account ID :   XXXX    Dear   XXXX   XXXX  , Thank you for your request. Please be advised that we have been hired to collect the above referenced account. Your account is severely past due and must be paid. If the balance is left unpaid your account may be referred to an attorney for suit. The outstanding balance on the above referenced account is {$4000.00} AND WE CAN ACCEPT {$2300.00} TO SETTLE THIS ACCOUNT IN FULL. You can resolve this matter by calling us and paying by phone or sending your check or money order along with the bottom portion of this letter. In the event that your payment declines or is returned for any reason a fee will be charged. Upon receipt and clearance of the payment in full, there will be no further outstanding obligation pertaining to this account. We take pride in assisting our customers to resolve their situations. If you have any questions or wish to discuss your account with one of our representatives, please call our toll free number at   XXXX   during normal business hours. Monday - Thursday   XXXX   XXXX   -   XXXX   XXXX   EST ; Friday   XXXX   XXXX   -   XXXX   XXXX   EST ; and Saturday   XXXX   XXXX   -   XXXX   XXXX   EST. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Respectfully,   XXXX   XXXX   Collection Manager

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I been receiving calls from   XXXX   XXXX   several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially  XX/XX/XXXX  I received a call from  XXXX  She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if  XXXX  would delete it from my credit file she went on saying it will be on my credit until  XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from  XXXX  in writing or any notifications on how to dispute this debt with them. I went to   XXXX    website located at https :   XXXX   I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want  XXXX  to stop calling me off of an automatic dial system such as " ROBO CALLS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
I 've disputed child support enforcement account # XXXX going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since XX/XX/XXXX-XX/XX/XXXX without missing a single payment since the day I was ordered to begin paying child support, XXXX and XXXX, have fixed the account listed above accordingly and in my favor since I have proof, XXXX seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the XXXX county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement XX/XX/XXXX to be exact, according to XXXX I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.

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