vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
On or around XX/XX/2017 ALDRIDGE PITE LLP and agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, filed a adverse action claiming a Business has appointed him attorney in fact to seize my personal property which is used for household purposes. They have stolen my identity and created fictitious documents. I had a private agreement which these people and entities are not privy to, but somehow they have all my information including my social security number. XXXX XXXX XXXX was the complaining party stating the business entity XXXX XXXX XXXX XXXX, XXXX, DBA XXXX XXXX, NOT INDIVIDUALLY BUT AS TRUSTEE FOR XXXX XXXX XXXX XXXX submitted an affidavit swearing to own my household goods ( Home ) which they have no security interest. XXXX XXXX XXXX has also used my name without authorization or consent or any contract whatsoever claiming that I a natural woman gave a business XXXX XXXX XXXX XXXX XXXX in California power of attorney to act on my behalf. No such document exist! furthermore a business can not be appointed attorney in fact or power of attorney for a natural woman. Another agent by the name of XXXX XXXX. XXXX Bar # XXXX is also claiming the same and has send threatening mail to my domicile for a fictitious obligation. I have sent the firm a trespass warning and they continue to violate my rights by submitting fraudulent documents on the public record. These people are debt collectors and I requested the contract that they claimed exist and they refuse to comply and now i am homeless due to their treasonous actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I was sued in court by the company and make payments the original company calls me everyday wanting payments also they harrass me 2-3 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear CPBC Abuse of MIDLAND CREDIT MANAGEMENT. 

I called MIDLAND CREDIT MANAGEMENT ON XX/XX/2019 to inquire about the negative they placed on my consumer file. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that have on file on the account listed below.

{$1100.00}.

During my call, the phone was transferred to a staff of MIDLAND CREDIT MANAGEMENT named XXXX, and in the course of our conversation while I was making inquiring she called me a an XXXX '' and told me to send her a copy of my social security, and for asking too many questions and hung the phone one me. The time of the conversation was CST at XXXX. I want the verbal abuse to be investigated. 
According to the Consumer Protection afforded by FDCPA section 806. Collection agency are liable to a fine of {$1000.00} if they use any kind of harassment or abuse. MIDLAND CREDIT MANAGEMENT have abused me.

MIDLAND CREDIT MANAGEMENT has not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe MIDLAND CREDIT MANAGEMENT. I therefore demand a thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau. or have any contractual obligation to pay them.

I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: Io, Inc.
State: MD

Complaint narrative:
XXXX XXXX medical bill was {$55.00} dollars XXXX XXXX XXXX. is the company is charging extra {$240.00} in interest making a total off {$300.00} I have never sign any contract with the original company ( XXXX XXXX ) this company is treating me to damage my credit score if I don't pay the bill I have contacted the company to pay my bill but they are charging all they want not giving me the option. to paid the original balance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I had received a called from XXXX XXXX about helping me get more money if I put XXXX in and days after days after days he kept stooding me up telling me to wait the money I used was rent money and that was told to him that I needed his help now Im finna loose my home and all I want is my money back to my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
This is a part of a XXXX medical bill that was covered by the XXXX XXXX   insurance that I carry with policy number XXXX. Based on the charges I have received from them they include XXXX  and other charges that I haven't gotten either. 

So they are charging me for processes that they have not perform and the charges covered by my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express is calling me about a relatives debt. I've told them 4 times not to call and that that my phone number is not the correct number. They are still calling and calling while I am at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a car and Santander was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved! 
In XXXX XXXX went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called Santander and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over. 
Fast forward to XXXX, I took my credit report, found that Santander reported lates even after the modification, and even reported 2 lates for XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from Santander! I disputed, and now Santander is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information. 
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find Santander is not in compliance per the consumer lending regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 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: MO

Complaint narrative:
Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XXXX, ( 6 ) XXXX, XXXX, XXXX, ( 7 )  XXXX XXXX XXXX , XXXX, XXXX, ( 8 ) XXXX  XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, 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 2019-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I did not sign up for this American Honda Finance Corporation account with the balance of {$3000.00}. I did not give anyone consent or authorization to use my information for this account. I did not benefit in any way from this account. This account is FRAUDULENT and is a result of IDENTITY THEFT. I have filed a police report with the XXXX Police Department, a FTC Report with the Federal Trade Commission. 

I disputed this fraudulent account with American Honda Finance Corporation several times and they keep denying it. Back in XX/XX/2014 I was a victim of Identity Theft when someone opened a XXXX XXXXXXXX Credit card, a XXXX account, rented furniture from the XXXX XXXX, and also financed a car in my name. American Honda Finance Corporation is the only company of the four that denied my request to have the fraudulent account removed from off my credit report. I filed a police report as well as a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I am in Mississippi. I had a Credit card with XXXX XXXX and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to Portfolio Recovery and a different person from Portfolio recovery calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: PA

Complaint narrative:
I applied for and was approved for a payday loan with 3 lenders over the last 7 months trying to pay each one off only getting myself further into debt. I have paid the principal amount back plus some interest but the payments do not stop and I am financially unable to keep up. I was not aware these high interest loans were illegal in Pa.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: NJ

Complaint narrative:
The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX  on XX/XX/XXXX-XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX & XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/XXXX & XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.

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 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had XXXX XXXX XXXX internet services at my home office in XXXX. I had no service for a couple of days due to their maintenance issues. This happened twice and I called to get a credit on my bill which they refused. I disconnected my services and returned their equipment. 

XXXX XXXX XXXX forwarded the account to a debt collector and it was subsequently reported to the credit bureaus. I have disputed it multiple times but it keeps cycling between multiple debt collectors and pops back up on my credit reports. 

At this time, two debt collectors are reporting the same XXXX XXXX XXXX account on my credit reports which is negatively affecting my credit. 

XXXX XXXX XXXX should never have billed me for the last month of service since they did not provide the services. Or they should have given me a prorated bill to account for the interruption in service for 4 days. 

If a debt/account on a credit report is disputed and explained once or more, it should not be assigned to one company after another. In my case 2 debt collectors are showing the same account. The companies are : XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Personal information is incorrect, I have never used the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ; for purchase or to obtain credit. 
I have disputed these names with Equifax years ago and was informed that someone fraudulent used bogus names to establish credit ; and that names will be removed. Apparently, matter hasn't been resolved. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
Dear XXXX Action Revenue Recovery I called to inquire about the negative they placed on my account. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that Action Revenue Recovery have on file on the account listed below.

I have not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe Action Revenue Recovery or have any contractual obligation to pay them. 
I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CT

Complaint narrative:
I owed the Dr {$87.00} and was paid on XXXX To the Dr office receipt XXXX and Capitol accounts wants me to pay they {$18.00} more for Interests Was told it was not allowed by North Carolina state For them to charge me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX   XXXX, XXXX , Convergent Outsourcing , Inc .

The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX  XXXX  I have a suspicion that Convergent may be trying to perpetuate criminal fraud.

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 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I am a victim of ID Theft and have already notified my local police department and have a fraud alert setup on all 3 credit bureaus ( XXXX, XXXX and XXXX ). I monitor my credit daily and have all supporting documents supporting my ID Theft. XX/XX/2018 I received a collection letter from XXXX  stating I had an outstanding debt with XXXX XXXX XXXX XXXX XXXX for {$100.00}. I immediately in writing notified XXXX via certified, return receipt mail of my ID Theft and sent over Police report, FTC ID Theft report and request for Validation of this said account. I have never opened an account nor have I given anyone permission to open any accounts with XXXX XXXX XXXX. I received proof back that XXXX received my request but never received anything else from them showing they could even validate this account. Fast Forward to todayXX/XX/XXXX I received an alert from my XXXX credit report that a collection account was added by Diversified Consultant. So here 's where the problem lies. Number 1 I'm going to assume that Diversified Consultant purchased a fraudulent debt account from XXXX and or XXXX XXXX XXXX who knew this account was due to ID Theft and who never responded to my request for Validation. Number 2 Diversified Consultant has not one time contacted me in regards to this XXXX XXXX XXXX  account via mail or phone because if they had, then they would've been notified in writing via certified mail that this XXXX XXXX XXXX account is due to ID Theft and to send me all Validation pertaining to this account. That never happened and I was never notified by anyone from Diversified Consultant. Diversified Consultant has seriously violated FCRA rules by throwing this inaccurate, fraudulent account on my credit report without contacting me first and giving me written notice that they had bought this fraudulent debt and allowing me 30 days to dispute said debt due to ID Theft. Then I would've been allowed another 30 days to received whatever Validation they had and then go from there. So with that being said I have already filed a complaint against Diversified Consultant with Consumer Finance Protection Bureau, now with XXXX and next the Illinois State Attorney General. Diversified Consultant never sent me any written notice of said debt nor allowed me time to dispute it. This account needs to be removed off my credit immediately or I will be seeking legal action against Diversified Consultant and will sue them to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
I applied for a payday loan in XXXX and was approved for {$200.00} through XXXX XXXX XXXX. I have since made 14 payments totaling over {$550.00}. The original principal had been paid back plus several hundreds in interest yet they still deduct the payments from my bank account twice a week. I was not aware payday loans are illegal in the state of Pa and I have gotten 2 more trying to pay the original one off and I am financially unable to keep making payments.

Company response to consumer: Closed with explanation