vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I received a few calls to my work phone on XX/XX/XXXX. They were confusing messages with a website left. I looked for the website and company name, they do not exist. They mentioned XXXX XXXX, so I spoke to them and was told no debt was owed. Then, I called the phone number to straighten things out. 

Call 1 : https : XXXX They have no idea why I am even calling, and having issues even pulling up an account for me. Please keep in mind, this is after numerous calls to my work phone and telling them via text not to call or text me on there. Obviously, there is bad language. 

Call 2 : https : XXXX Call 2 ( part 2 ) : https : XXXX In these recordings, I tell them they have not proven the debt is real and the agent agrees on the phone that I do not owe this debt after XX/XX/XXXX. 

I have told them numerous that I do not owe this debt, they agreed that after XX/XX/XXXX the debt would be " written off '' due to state laws of the debt being owed. This is not allowed to be reported onto my credit report or tried to gain recovery for this unknown, unproven debt. It is time barred. 

It is up to them to prove that I owe this debt. They have not done so in over 4 years. I am also not required to update my information with them. I also informed them via phone not to contact my work phone anymore, and received several text messages from them AFTER speaking to them. 

Screenshots of text messages ( these were sent after both phone calls ) : XXXX : XXXX I've never even had an XXXX done on my XXXX, and I have only their word to go off of for what it was for. Any bills from XXXX XXXX XXXX were paid in full, and I have receipts for all bills from them. 

Utah is a one part consent state. These recordings and screenshots are 100 % legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: NY

Complaint narrative:
I received a credit monitoring alert that a collection was place on my credit report. The collection agency name reads Accelerated Financial Solutions LLC. The original creditor reads XXXX XXXX which I assume is XXXX. The account was opened 6 months ago on XX/XX/207 and reads as an open account. The amount owed reads {$180.00}. There is no account number given just the information I provided above. This is a fraudulent account! I NEVER opened a account or requested services from this company. This is fraud! This fraudulent account has caused almost a 40 point drop to my credit score. Please assist me in getting this matter resolved as I am planning to go for a home loan within the year and will not be able to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 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: MI

Complaint narrative:
I attempted to apply for a Social Security Administration ( SSA ) My Account on line. Part of the application involves questions about my credit history to authenticate my identity. I answered all of the questions with " None of the Above '' because none of the credit items applied to me. I was not allowed to continue my application because the Social Security Administration reported to me that I " failed '' the authentication questions. 

I obtained a copy of my Credit Report and it is accurate. None of the credit items that were included in the credit history authentication appear on my Credit Report so that when I answered " None of the Above, '' I should have been approved for a SSA My Account. 

I telephoned Experian, the company responsible for generating the credit history questions. The agent said there was nothing she could do to make the questions relevant to my actual credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
They continually call my number harassing me and Im not the one that theyre even calling about. then, they refuse to tell me any information including their buisness name besides the abbreviation for it. I found out from XXXX that it is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX 's debt collection agency calls nonstop every single day. They don't leave messages at all. They call my house phone and my cell phone repeatedly. I spoke with this debt collection agency about my bill on XX/XX/18 and told them that I will pay the bill when I get the money. I told them I would pay the bill early XX/XX/XXXX. The calls are as follows : Cell Phone : ( XXXX ) XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called twice House Phone : XX/XX/18 - called once = 3 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called once = 2 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called once = 1 time that day ( can't believe it ) XX/XX/18 - called once = 2 times total that day XX/XX/18 - called once = 1 time that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called three times = 5 times that day ( I spoke with them this day about paying my bill when I got the money. The supervisor on the phone continued to ask me to leave credit card information for payment arrangement after I told him, probably like 6 times that I would call them back to make the payment. After speaking with them, I got another call from them at XXXX XXXX  on my cell phone )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a capital one account, I have received a deposit for selling my car over 5 months ago and bank hold my funds said, if there is no charge back they will close my account and send my money, I still didnt receive my check neither they closed my account. I talked to them and they told me in 3 months we will send it but nobody sends anything everytime I call they ignore it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX ( XXXX XXXX XXXX Credit Card ). On XX/XX/XXXX, I paid credit card off in full. Credit card company charged me {$1.00} the following month. I did not get statements b/c I am paperless. Needless to say, I paid the balance off in XX/XX/XXXX and in XX/XX/XXXX, I never thought I would get a {$1.00} charge which then turned into {$67.00} in XX/XX/XXXX, due to being charged {$1.00} per month then incurring a late fee each month I did not pay the {$1.00}. When I called the CSR was not helpful, she claimed they have a rolling fee, and I told her I was not familiar with that term. She then transferred me and I was left on hold for 23 minutes. I have several credit cards and when paid off in full, the balance is zero until I use the card again. I am still not sure what the {$1.00} fee is for and I had to pay the {$67.00} and most likely my credit has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: Army and Air Force Exchange Service
State: PA

Complaint narrative:
Army/Airforce Exchange XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I had obtained my free annual credit report to review the information. I had seen that my account for this line of credit ( XXXX XXXX ) shows it was delinquent for these three months. It should have cleared out no later than XX/XX/XXXX. The reason behind this is because it was a requirement upon exiting the Military to pay off any debts that were owed- this included the XXXX XXXX It was paid off and was negatively reflected in my credit report as having 3 delinquent months which should not be. I do have my release documentation that shows when I was honorably discharged and I have documentation with a signature stating that I owed nothing to the military and was able to process out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I made a transaction on XX/XX/2017 with COINBASE sending over 17k to another coinbase account but other account never received the money. I have made a complain thru CFPB once and when COINBASE received the complain they contacted me right away, which I tried to contacted them over a month but no response.They told me they will solve the problem in a week which has been over a month now. Its been 2 months I still don't have the money. This company is scamming so many people holding funds to make money out of it. I already lost XXXX in value of my currency transaction in 2 months and still they do not respond my emails and when I call they tell me they escalate the problem. They show CFPB and FTC like they are solving customer problems and once complain closed, they do not respond again. I believe what this company does it illegal. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: CA

Complaint narrative:
XXXX XXXX XXXX has not changed the status of my paid mortgage loan. Refinanced Home loan. Loan was paid off in XX/XX/2018. Still appears on Experian credit record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 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: CA

Complaint narrative:
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus EXPERIAN, XXXX AND XXXXIT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached experian credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: CA

Complaint narrative:
There are two addresses on my Experian Credit record that do not belong to me. I have never lived in XXXX Az.  or XXXX Hi. 
I have lived my whole life in California. 
1. ) Belongs to Ex-Wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX 2. ) Belongs to My Son XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii 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 non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Neiman, Stone & McCormick , P.C.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX was contracted by me for yardwork and lawn upkeep. I made an arrangement to pay of every other week. I paid by US Postal Money Order several times and once by personal check. I NEVER RECEIVED ANY KIND OF BILLING STATEMENT ; NOR WAS I GIVEN A PROPER DEBT VALIDATION IN WRITING PER THE FAIR DEBT COLLECTION ACT. 

In the meantime, the property my sister inherited ( the family home ) was foreclosed and we had to vacate the premises. We never received any kind of written communication whatsoever from XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Iowa filed a garnishment against my XXXX XXXX XXXX checking account through the lawyer for my mother 's estate despite the fact, that that attorney, XXXX XXXX XXXX, practicing law in XXXX, Iowa is in Conflict of Interest because he represented the Estate and the Guardianship at the very same time he represented the Credit Union that held my late mother 's Home Equity Loan note. XXXX had no problem communicating with XXXX XXXX XXXX which said company can not find its way to XXXX   County District Courthouse ( XXXX  Iowa ) but could find the way to a courthouse in XXXX XXXX ( mid-state Iowa ). 

I want the alleged debt validated -- to show what I have paid and exactly what is owing and the garnishment lifted from my checking account because I am taking care of an invalid and need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was one of many thousands of people whose information was stolen from Equifax through a data breach. I signed up for the XXXX product which provided credit monitoring and $ XXXX of protection for those whose information was stolen, provided by Equifax. I have emails from XX/XX/XXXX stating that I had successfully signed up for the service and paperwork showing that my policy number. 
I called Equifax on XX/XX/XXXX and was told that actually I hadn't successfully completed the sign up for XXXX   product and because it was after XX/XX/XXXX that they could not offer me that protection anymore. Now they could only offer me a much lesser product ( Lock & Alert ) which would only alert me for some type of identity theft with no protection. I feel this is unfair since the emails from Equifax indicated that I had successfully signed in. Plus, their website was in terrible shape when they setup this program causing tremendous delays and what I now see, lots of errors which were not obviously to the consumer. Shame on Equifax to put the consequence of their terrible system on the consumer. I have paperwork that says I am enrolled in their program, they should honor that. However, the company refuses to. I spoke to a supervisor XXXX ( Employee ID XXXX ) and he also was unwilling/unable to make this right. 
By the way, while I was on the phone with their customer service agents, I could hear in the background that others were having the same problems as I kept hearing different agents voices saying that while they had thought they had successfully signed up for XXXX, they hadn't and now they could only get the Lock & Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for six months from XX/XX/2017 - XX/XX/2017 and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: CA

Complaint narrative:
XXXX, is reporting that my mortgage loan with them is still open. They transferred my mortgage loan to XXXX XXXX XXXX. The loan should me reported as closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview Loan Servicing will not answer the phone or return my call. They dont want to talk after trying to scam me out of money! On XX/XX/XXXX I received a call from XXXX at Bayview Loan Servicing congratulating me for completing my Trial Load Modification. She said I would be receiving a package from Bayview Loan Servicing and I would be working with XXXX XXXX going forward. I received the package from Bayview Loan Servicing, signed the documents, had them notorized and returned them. On XX/XX/XXXX XXXX XXXX from Bayview Loan Servicing called and claimed they didnt receive my final trial payment. I sent her proof the payment was debit from my account on XX/XX/XXXX, she continued to argue with me, so I told her I was going to contact my bank. My bank investigated the supposedly missing payment and told me that XXXX lied! The payment went through on XX/XX/XXXX and the bank gave me the transaction number. XXXX did everything to sabotage my loan modification and she is the reason my bank did a reversal payment. She wanted it to look like insufficient funds. When Bayview received my payment on XX/XX/XXXX it should have been applied to my account. I have been calling Bayview Loan Servicing all week trying to submit the payment again that was reversed because of XXXX XXXX lies! No one will answer or return my call!!! This is really ticking me off and I will be contacting my attorney Monday!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
This company has a bunch of misleading information about my credit for other Banks and needs to be deleted from my report did not give them permission to store my information on their system they need to delete the fraudulent items immediately I called them up many times with no answer I talk to one person there who was very rude and belligerent and abrasive these people are causing me not to have a bank account and causing me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for six months from XX/XX/XXXX - XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX  REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.

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