vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
I am in dispute of the balance owed on this account. I have requested a copy of my signed loan agreement twice on the company 's website, and have received neither acknowledgement of my request or the document itself.     I received a collection call on Saturday,  XXXX  from phone number  XXXX . I informed the agent, whose name I could not understand, that I would bring the account current on  XXXX   XXXX  ; I am currently late on the payment due  XXXX   XXXX ,  XXXX .     I told the agent that I had requested a copy of my loan documents on the web, and that I had not received them. I asked the agent to provide a copy to me, and he told me that I could not have a copy of my loan documents until I brought the loan current.     I do not receive monthly statements from this company. A review of the statement history online reflects that I have been assessed a monthly " interest charge purchase '' since  XXXX ,  XXXX , totaling over {$600.00}. I do not understand why this charge is being added to my loan balance.     I feel that this refusal to provide me with a copy of my loan documents is an attempt to prevent me from verifying that I am being overcharged for this loan. My record of payments made shows that my open balance is much lower than what the company says I owe. I wish to have the original docs so I can verify my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Equidata, Inc.
State: AZ

Complaint narrative:
EQUIDATA was collecting a debt on behalf of  XXXX  which I paid in full. Upon me making in full, they agreed to remove the derogatory account from my credit report ; which they have failed to do. I paid the account off in full, and would like them to keep the part of their agreement to have it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX   XXXX   is saying I owe them {$830.00}. They sent this to Equifax and Equifax put it on my credit report from   XX/XX/XXXX .  Then they sent it to DIFFERENT ( I think its called  XXXX  ) collection agency and they put it on my report AGAIN. I disputed both of these. First dispute number is  XXXX , says it is closed with no change to my report. Equifax never mailed me anything. Second dispute number is  XXXX , this was just disputed a few weeks ago because I noticed it was from a different collection agency and opened in    XX/XX/XXXX .   I need something in writing, documents that I owe   XXXX   XXXX  , something, anything that Equifax has saying I owe it, and from all these opened dates, otherwise it needs to come off my report. It is hurting my credit. They can not keep turning it over to different collection agencies and then they report it as a new account ( j ust opened ) to k eep the 7 years starting all over again, this is against the law. I have had  XXXX  for the past  XXXX  years and still have  XXXX  and can prove it thru them.     Thank You,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX  , CO  XXXX   XXXX   Social :   XXXX  I ALSO MAILED YOU AND EQUIFAX A LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
After years loan modification has damage our credit, we have been stressed out, ,and we g ot 4 time transfer our  lender, mortgage servicing from   XXXX   XXXX   to   XXXX     XXXX  and to   XXXX   XXXX   XXXX  , we paid  three months trail mo dification from  XXXX / XXXX / XXXX  through  XXXX   XXXX  with all hope and affordability modification after al l required trail mo dification to   XXXX   XXXX   XXXX   XXXX   {$34000.00} we have not received affordably modification an d sale our loan to new mortgage services,  Shell pint mortgage servicing.we believed th ey are violated the Californi a law because the collected the money after 5 years expired statue limitation, my account due dat e start  XXXX / XXXX / XXXX  than lender collect  the trail money  start  XXXX / XXXX / XXXX  than we never received an affordable modification.   Now our loan trans fer to Shell point servicing Inc. ne w mortgage servicing. we start over and submitted all new modification required by shell point mortgage servicing.   we got Denied by shell point servicing inc by using our pass income not present income.   we need loan modification affordable rate and term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: MA

Complaint narrative:
I was receiving calls from  XXXX  of a debt in  XXXX . I informed them that the debt is invalid. It was a charge to my cell phones. We went back and forth by phone and mail for sometime. Finally I realized they did not believe me. So I sent a dispute document attention to manager in   XXXX   XXXX   XXXX  . I was a customer of theirs for many years without a missed payment. The bill was false. I told them by phone if they did not correct the mistake I would file a complaint. They assured me it would be corrected. Due to the mistake and harassing phone calls I left their service. Years later I received a bill from  Midland Credit Management,  inc saying that the debt was still valid. I notified them of the situation and we went back and forth by mail. Ive sent Certified mail to them also disputing the debt. Ive disputed it from day  1 . I am now disputing the bill with  Midland Credit Management, inc  .  Ive sent letters disputing the debt and requested any signed documentation. They are yet to send me any signed documentation from them or  XXXX . Last dispute letter sent to  Midland Credit Management , Inc.    XXXX   XXXX   Certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: NJ

Complaint narrative:
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid, was a  charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is  stated as FP ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced  by credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason  XXXX  took such action was because I express dissatisfaction with how  XXXX  was handing my credit investigation with  XXXX   XXXX   XXXX  . The  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: NJ

Complaint narrative:
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it a s Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In Experian report, it is stated a s FP ( Fail to Pay ) as  of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to Experian.   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced b y credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason Experian took such action was because I express dissatisfaction with how Experian was handing my credit investigation with  XXXX   XXXX   XXXX  . The Experian are punishing consumer who exercise there right to ask for fair credit report treatment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MD

Complaint narrative:
I was charged  XXXX  on   XXXX   XXXX   XXXX   for a  XXXX   XXXX   XXXX  I contacted them and a  manager and was told I my card was never charged and they printed out paper work to prove it and I let them speak with netspend. Net spend then advised me that they do n't know what happen to m y funds but they could investigate they told me they would know something by the end of  XXXX  I call and they tell me I still got ta wait another 45 days for something that was done on there end. Now I 've tried being really patient but its running out fast cause I got took for almost  XXXX  dollars and nobody can tell me where or why my money was taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, per the attached evidence, has programmed their automated dispute system to violate the FCRA.EXPERIAN is a scofflaw and thumbs their nose at the CFPB and federal law, the FAIR CREDIT REPORT ING ACT.THE CF PB CAN VERIFY BY looking at the attached evidence that every single dispute was not frivolous and legitimate.Experian wants to deny my rights to have accurate credit reports because it costs them  XXXX  dollars and strains their computer system that is not adequate to handle their  XXXX   XXXX  customers.

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 2017-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I have received a statement on  XXXX / XXXX / XXXX  from my new loan compan y LoanCare a   servicelink compan  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , VA  XXXX   XXXX  whom bought my loan from   XXXX   XXXX   XXXX   XXXX . The loan was bought in    XXXX   XXXX   XXXX    ( i know why the bought in  XXXX  now. ) I had    XXXX   XXXX   XXXX    since my last FHA refinance in  XXXX . I have NEVER had an escrow issue for 6 years. N ow LoanCare is saying I am a tax payment short of their buffer. Which the amount is {$1600.00}. Their   statement suggests even if I pay this amount my payment will be increased. This is very fraudulent and happens to millions a suspect a year. I have contacted  XXXX  to request all  XXXX  statements to prove this fraudulence. What is worst, is I have contacted LoanCare by phone without a successful explanation other than your short. I have emailed them  three times in the last three weeks with  NO response. Let me know if you need anything from me as I battle a bank ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: FL

Complaint narrative:
I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  All Banks   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX      XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg.   Agencies  XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX    Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    Miscellaneous Reptg.     Agencies  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg . Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Complete Dept. Stores   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Credit Unions   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX     Auto Financing   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.    XXXX   XXXX  FLA    XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   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