vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have a a unverified account from Jefferson Capital System. I had previously disputed this account. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Jefferson Capital System Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Jefferson Capital System Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: UT

Complaint narrative:
inaccurate information continues to be on my credit report. There is no good number to call and speak to a living person to clear up discrepancies. This is extremely frustrating. There are some collection entries on my report that were removed by the hospital.Acct number XXXX The other credit reports have removed, but Experian still shows them. THey show me with a late payment for {$4.00} to XXXX in XX/XX/2019. This is inaccurate. They show a late payment for XXXX which was an agreement with XXXX and should have been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment for {$950.00} more than my minimum payment due on my credit card account to US Bank, the payment i made is for the month of XX/XX/XXXX, & XX/XX/XXXX unfortunately US Bank charge my account a late fee for making my XXXX payment on time, I was told that theyve applied the {$950.00} for the month of XXXX. Additionally I got charge for making a payment on the day is due ( XXXX ) of every month. Id suffered financial abuse from US Bank that cause me to take action & closed my 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 2020-01-07 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MO

Complaint narrative:
The beginning amount of the loan was {$34000.00} and in the spring of XXXX it was transferred to AES and at that time the loan had increased to {$41000.00} due to interest on deferments ( I guess ). For the next 5 years we paid back {$14000.00} ( and {$620.00} in late fees ) and our loan has since WENT UP to {$46000.00}. 

So over 5 years we paid approx. {$14000.00} and the loan BALANCE went UP by {$4000.00}. 

In XXXX alone we paid {$3700.00} and our loan did NOT decrease by even one cent. 

In addition our payments have increased from {$260.00} ( in XXXX ) to {$300.00} ( in XXXX ) to {$530.00} ( in XXXX ) When I contacted them about it they said " The loan increase is related to the type of loan you have, that when you get closer to paying it off, the payment increases '' when I replied that can't be true because our loan balance has went from {$41000.00} to {$46000.00} even after paying {$14000.00} she said well I will put you through to our loan officer dept. and then I was on hold for 12 minutes and then they just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently paid off approximately 80 % of my credit card utilization ( about XXXX  ) XXXX  and Transunion dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 points

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I have a a unverified account from AMSHER COLLECTION SYSTEM. I had previously disputed this account. I have never done business with AMSHER COLLECTION SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that AMSHER COLLECTION SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMSHER COLLECTION SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Green Square Company LLC.
State: AZ

Complaint narrative:
Impersonating officials from XXXX County to obtain my location. I do not owe any debt and all erroneous debt collection attempts have been addressed by the attorney general.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is illegally reporting a closed account in revolving OPEN balances and is costing points in my credit score i have tried to address the issue and i am being ignored .. i am receiving responses to questions i did not ask. -- YOU ARE REPORTING A CLOSED ACCOUNT AS A OPEN REVOLVING BALANCE.. and per your own data it is hurting my score -- -- it is a violation of fcra and needs to be corrected immediately my revolving OPEN Balances as of today are XXXX -- one part of your site is correct the other is wrong and needs to be corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: GA

Complaint narrative:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has called my business, on average, five times a day to collect a past due amount on a credit card payment. This has been going on for over three weeks. Today is XX/XX/2020 ; at XXXX XXXX  they've already tried calling three times today. Last week I spoke to two different customer service representatives telling them that they were violating FTC policies which stipulate debt collectors can not harass clients with a barrage of phone calls, especially while at work. Today I told a different customer service agent that legal action would be taken if they called again. The agent said he'd take our number off the list, but an hour later a robocall from Bank of America called again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
on XXXX we had a phone conversation ( XXXX ) XXXX with XXXX XXXX/Supervisor representative for US West Collection Agency. XXXX was able to determine that the account belong to XXXX XXXX and asked for a formal written notice with subject line " dispute acct # XXXX '' we did just that on XXXX XXXX promise to send a validation letter within 30 days. today is XXXX and we still have not received anytime type of correspondence other than he was on vacation and is waiting to hear back from their client. This has caused a major hardship on my credit and ask it to be removed immediately. 

original creditor : XXXX XXXX XXXX {$3400.00} Collections agency US Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX reporting to credit on defaulting storage units. When units were closed and maintaining a XXXX  balance. Multiple offenses with multiple customers. The clerk XXXX will cuss you out XXXX you a XXXX XXXX XXXX XXXX and hang up on you before you can even finish what you are asking for. Threaten to sue you or file a restraining order if you ask for any information or contact them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I first recieved a text stating I was approved for a XXXX loan and was asked to call the number listed, when I did call back they then asked for my bank acc/routing numbers to send the loan, when I gave them my info they stated that they don't deal with my bank, only other option I had was to purchase a XXXX XXXX XXXX. I use XXXX  online bank which is through XXXX, a very legit banking company and so this whole issue strikes me as a scam! I need verification, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I AM NOT SURE AS TO WHEN EXACTLY WHEN THIS TOOK PLACED BUT WHEN I NOTICED IT I DECIDED TO TAKE ACTION RIGHT AWAY. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THE STATE MY CREDIT IS IN THERE IS NOT MUCH I CAN DO. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation