vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: California Accounts Service
State: CA

Complaint narrative:
I sold my home in XXXX of XXXX and moved out of my home I notified the City of XXXX XXXX XXXX department that I was moving and asked them to close my account. I gave them my new mailing address. I paid the final bill and the check payment for the final bill was cashed in XXXX of XXXX. 

I recently discovered that after closing the account, the City charged me {$35.00} for a " late fee '' and then subsequently charged me {$35.00} late fees because the initial and subsequent late fees were not paid increasing the balance to {$120.00} when it was referred to a collection agency doing business as " CALIFORNIA ACCTS SVC '' .in XXXX XXXX. 

This billing practice was and is in violation of usury laws. 

I was never been contacted about the first or subsequent late fees ( by either the city or the collection agency ) but the collection agency submitted the balance to XXXX, a CRA / credit reporting agency. 

As of XXXX XXXX, the debt collector continues to age the balance due increasing the amount owed even though the statute of limitation has passed and even though they were made aware the amount information was incorrect when I disputed the debt through XXXX XXXX dispute service. In response to my request to validate the debt, they indicated only that the debt was validated and they again increased the balance due even though the original {$35.00} late fee amount was assessed more than four years ago. 

The debt collector 's legal name is XXXX XXXX XXXX XXXX, XXXX although they use an unregistered name CALIFORNIA ACCTS SVC to report incorrect information to CRAs. 

The State of California shows thir corporate information as : Corporation No. XXXX Name : XXXX XXXX XXXX XXXX  Registration Date : XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Mailing Address : XXXX XXXX  XXXX XXXX XXXX CA XXXX This company has been sued many times by consumers for deceptive collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS #  XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the XXXX XXXX XXXX with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed XXXX XXXX XXXX off my file back in XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX   XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the XXXX XXXX XXXX with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed Next step funding off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For security collection service XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I ask company to verify a debt in my name that was said i owed they did not send the proper documentation to verify the bill using section 609 in the FCRA, The amount of debt is XXXX. The company sent a bill that was in my name, no original document with my signature on it. This account is being falsely reported to the credit bureaus on a monthly basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GVA Holdings, LLC
State: ME

Complaint narrative:
On XX/XX/2019 I applied for and was funded a {$300.00} installment loan. The loan came with an astronomical interest rate. I have been making the payments weekly via electronic debit of my bank account with the exception of one week my check came in late and they charged me a fee for missed payment. I am caught up but for that fee. I contacted them a few months back because I was unable to register for login on their website. I wanted to view and print my terms again and see about an early payoff maybe or rearranging dateas, etc. I just needed to be able to view my account online. I was told that I was unable to regiatwr with the site because of the very small past due fee..my bank covered it and they got their payment a day late..but the fee stayed. They would not in any way shape or form allow me to register online unless I paid that overdue. I argued for it to be added at the end as an extra payment, paid off in increments..anything and evwrything I could think of. Its been nearly 6 months and I still am unable to gain access. I can not get them to tell me my balance or anything. I gave up until recently. I want to switch my payments to my other bank account and need to be able to access the site to do so ... as thwy told me in emails they can not take or change payment information. Is there anything you can do to help me get into my account? I think it is my right as a consumer to be able to view my own loan information isnt it? Also, they are a tribal lender i believe so I dont think theres much anyone can do about them taking complete advantage of my desperation with those interest rates ... but maybe could look into it? It screams unfair business practice to me. Thanks so very much and Ill await your reply XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX continuing to report inaccurate, fraud accounts onto my credit file maintained by your company. I have disputed these items with you more than once yet you still to disregard and send frivolous notice that these accounts are verified accurate. Please inform me what has XXXX provided to you legally verifying these accounts bearing my signature. The systematic procedure with codes that you use are not proof. XXXX has no documents bearing my legal signature or a valid driver license proving that these accounts that were obtained through identity theft and maybe on the account of all the past breaches does not belong to me. In have informed you over and over again that the said accounts, are results of identity theft and does not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates with account XXXX states this debt should have been deleted XX/XX/2019 I want this account totally removed from all credit bureaus effective immediately they are negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have used my Best Buy store credit card ( CitiBank ) twice this year. I noticed that I had been charged for Debt Protection twice, yet I never agreed to this service. I sent a secure email through their online service and have requested a removal of this service and a reimbursement yet I have not received a response from Best Buy on the matter. 

Two Transactions. 
XX/XX/2019 - {$0.00}. XXXX. 
XX/XX/2019 - {$0.00}. 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 monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been paying my student loans since approximately XXXX. In XXXX I began working for a public institution of higher education in Texas. In XXXX I contacted my loan servicer, Nelnet, to inquire about what options I had regarding the public service loan forgiveness program. The individual I spoke with informed me that I would be paying " way more '' if I moved to pursue that. Trusting the advice I was given was my biggest mistake. After checking recently I learned that non of the payments I have been making since XXXX have counted or would be considered as qualifying payments under PSLF. In addition to this I also learned that my payment would not have been significantly higher if I had changed my loans over to a qualifying loan type as I was already on an IBR plan. 

After all of the negative news regarding loan servicers I felt it necessary to voice my concerns and disappointment with the entity that was entrusted to help me manage my loans. They are clearly not looking out for the consumers best interest. I am currently in a situation where I have lost XXXX years of qualifying payments toward PSLF and must begin new. As an American seeking financial freedom, like so many others, Nelnet is an assailant to my efforts. 

I have no recourse and the federal government will not protect me or you. The benefit of having such programs goes unrealized when the very entities who are to assist in facilitating it are purposefully misleading you and withholding information. The department of education has failed, yet again. The federal student aid office enforces nothing and loan servicers are free to " steal '' money from borrowers. XXXX XXXX XXXX is just a smoke screen, a slight of hand to keep borrowers confused and clinging to the possibility. The only truth we know is that you are on your own and no one will help you. Be vigilant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo was used as the payment method to receive XXXX. Buyers come to XXXX to pay me with XXXX transfer and receive XXXX. Very simple until Venmo decides to reverse 3 payments totaling {$440.00} ( {$40.00}, {$50.00}, {$350.00} ) 2 weeks after I received them. I was attempting to " standard transfer '' my funds ( {$440.00}  ) to my bank account ( which uses ACH protocol ), when I received emails stating they can not initiate and that my account has been terminated. What do I do? Like any normal person, I go to customer service and chat with their specialist who can not tell me anything because front facing customer service representatives are not allowed to know internal information. Understandable, and after another week and half I finally got hold of the Head of some department through email, to which they state they reversed payments and I must collect the funds myself by contacting these users. What? I explained to them that I can not contact users because these were " one-time '' deals. I have done my hardest to do searches for these users using virtually nothing but a username. Nothing ... Venmo refuses to even talk to me anymore stating I am banned from customer service and that I must contact a lawyer! 
How is this even fair? they reversed it weeks after expecting me to collect the funds they reversed? and then ban me? expecting me to collect it using another service? I dont know these people and they refuse to reimburse or even do anything. I have all emails and customer service chat records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: MO

Complaint narrative:
They continue to call me at work despite my repeated attempts to ask them to stop. They are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am working with a debt consolidation company in regards to this debt. Check n Go has been aware of this since XXXX 2019, yet they continue to harass me at work. I am a XXXX and they are interrupting instructional time. Ive asked them to stop calling me and to communicate with my debt consolidation company who is working with them to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Hello, I have tried several times to contact and dispute false debt on my credit report, I have submitted paper work and proof and it is still reporting on my credit which it extremely low because of this. There are XXXX midland collections, they are not mine, XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
On XX/XX/2019, I attempted to send an online money transfer to an XXXX in the XXXX XXXX XXXX XXXX, a service that Western Union offers. 

First, Western Union 's faulty system claimed my credit card company declined the transaction. I contacted the credit card company and they advised that they approved the transaction. 

Second, after using a second card, Western Union claimed they would review the transaction and send me an email. 

About XXXX minutes later, Western Union had a third-party non-Western Union call center in XXXX call me and ask me personal identifying questions -- none which I provided online. The XXXX based call center demanded my age, my addresses, etc. Western Union has no control over how this data is kept and the call center did not provide any information as to how the information is stored. 

Since I needed to send the transfer, and notwithstanding that Western Union using foreign agents to seek personal identifying information placed me at risk, I cooperated with the XXXX call center. 

After providing all the information, the agent stated that his system was malfunctioning and he could not determine if the money transfer went through or not. He stated I may receive an email advising. 

I asked for a supervisor and the agent transferred me to another representative. The other representative advised me that he was not a supervisor and would transfer me. At that time, the representative transferred me to XXXX XXXX 's prepaid debit card division 's main customer service number, a separate entity having nothing to do with my XXXX XXXX money transfers. 

It is clear that XXXX XXXX 's system is placing consumers at risk of identity fraud. It appears that they are using call centers that they do not own and that are operated in foreign countries with no privacy controls. 

XXXX XXXX 's representative admitted that software flaws existed and that their systems could not process the information provided, making it clear that the systems are less than secure.

Company response to consumer: Closed with explanation