vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was with  XXXX  for 18 months with a family plan (   XXXX    XXXX   XXXX  ), they told me my plan was going to be  XXXX  dollars a month I star receiving bills how they promised, 3 months later they star increasing to  XXXX , 9 months later  XXXX , until I got tired and decided to go back yo my last  carrier   XXXX , when I port the numbers att Took the phones and told me they were going  yo send m e a prepaid visa to pay  XXXX  ( because I gave the  XXXX  to  XXXX  ), before that  XXXX  told me to pay off the phones and the last bill was going to be {$1000.00} dollars which {$180.00} the last bill and {$300.00} each phone, so I decide to pay the last bill and wait for  XXXX  to send me the prepaid visa to pay off the phone,  ,they said that I had a remaining of {$900.00} dollars, now a 3 weeks ago I received a phone call from a  collection agency that I owe then    XXXX   XXXX   b ecause  XXXX  coold not wait and decided to take me to collection, and now I owe the collection agency more that my balance with  XXXX  because I waiting for the prepaid visa from  XXXX , my question is if is legal now what the collection agency is doing charging me more for what I owe  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 2017-06-09 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: NC

Complaint narrative:
I have  a Visa cr edit card with  XXXX   XXXX  that I opened about a year ago. It is a secured card and my initial credit limit was {$300.00} which I sent to  XXXX    XXXX   in the mail. I wired {$700.00} in additional funds in  XXXX   2017  to increase the credit limit on the secured card to {$1000.00}.   XXXX   and Equifax have not reflected the correct credit limit ever since it was increased in  XXXX   2017 . I have opened multiple disputes to no avail. I was told by Equifax and   XXXX   that I needed to contact  XXXX   XXXX . I have called  XXXX    XXXX   three times in the past 3 months and they keep telling me that they are reporting it correctly and it is the credit bureaus error. Neither the credit bureaus nor  XXXX   XXXX  want to take any ownership to correct the issue. I am working diligently to improve my credit which is the main reason for increasing my credit limit on this secured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
XXXX put a debt back on to my credit report because they said the " collector '' says that debt belongs to me with no proof. The original creditor sold my debt to AArgon Agency Inc for {$430.00} and now with interest the debt is {$470.00}. If I 'm not mistaken under the Fair Debt Collection Practices Act, if your debt has been sold that means the contract you had with the other company is voided. I already researched the original creditor writes off the debt on their taxes and then sell it to an Agency to make a profit even though the debt has been debted on that consumer.

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 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have tried to dispute some of my student loan accounts with TransUnion several times and they have refused to take action. I 've contacted the  Creditor several times and they have confirmed verbally and in writing that my accounts are not delinquent. The Creditor has also contacted TransUnion to inform them th at their information is inaccurate. This has been done electronically, by phone, and in writing and still TransUnion has failed to act.

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 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.

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 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had opened up   a Citi checking account in  XX/XX/XXXX  for a {$300.00} opening promotion. After fulfilling the terms of the promotion Citibank refuses to honor it.
<P/>  The offer had the following requirements to receive the {$300.00} bonus : Open a new eligible consumer checking account in T he Citibank Account Package between  X/XX/17 ?  X/XX/17  a nd complete the following withi n forty-five ( 45 ) da ys of opening your account : - Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existin g Citibank Savings Plus Account or Citi Savings Account ( completed on  XX/XX/2017  ) -  Maintain a minimum balance of {$15000.00} for  thirty ( 30 ) consecutive calendar days following the date when you made your qualifying deposit. ( completed on  XX/XX/2017  ) AND - Complete 1 qualifying Direct Deposit to the new checking account or make 1 or more qualifying purchase transactions with your Citibank Banking Card totaling {$250.00} or more ( completed  on   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 2017-06-09 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: FL

Complaint narrative:
Called around  XXXX  or  XXXX  to do a 70 % settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
1. I do not have a   contract with DIVERSIFIED CONSULTANTS INC  or  XXXX  because I did not open this account. I am not liable for collection this debt from  XXXX . I am not responsible for this debt.  <P/>  2. I have as ked  XXXX  and  DIVERSIFIED CONSULTANTS INC for validation for this account being mine and have received nothing but bill statemen t. THAT IS NOT VALIDATION!  <P/> **Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account.  <P/> Under the Fair   Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
<P/>
I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
Good day, I never received any mail, or any notice of this alleged debt. I have continued to request for verification and validation of this debt but to no avail. This company continue to contact me and harass me at work and home with threats of jai l ( Attachment Warrant ) this i s the last communication i had with them. This debt is not mind, i have never had a contract with this company.

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 2017-06-09 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: PA

Complaint narrative:
I observe a break-down/inaccurate process in Equifax 's procedures. They report that information on my credit-report as " factual ''. When in fact, Equifax has been requested to remove the entry from the " factual '' party. I believe Equifax 's authenticity process to be inadequate and ineffective.     I have  attached two documents : 1 )   XXXX  's confirmation informing Equifax of the unauthorized inquiry.  2 ) Eq uifax 's notice they have no record of  XXXX  's communication.  <P/> This same process with   XXXX   and Experian resulted in the accurate removal of  XXXX  's entry on my credit-reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We filed a dispute with wells fargo on a charge the was fraud. We didnt open the account when I stated tha t Wells farg o aid since there ws a charge already placed on the account it will not be considred a fake account. I filed the dispute on  XX/XX/XXXX  they sent me a letter on  XX/XX/XXXX  stating they do considr the dispute fraud and charged the account back.

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 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
A few months ago i noticed a collection account on my credit reports from  LVNV Funding. I had nev er received any communication from this company and my attempts to send them debt verification letters yielded no results. I had attempted to contact them  in  XX/XX/XXXX  and then again in  XX/XX/XXXX  and got  no response. Every time I dispute this account with the  XXXX  credit bureaus it always comes back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Name is improperly being reported/used/published.   My correct current name i s   XXXX   XXXX     ( F ormerly   XXXX   XXXX    ). I   have never gone by the name   XXXX   XXXX   XXXX   nor do I currently go by the name   XXXX   XXXX   XXXX   -- Please have this corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  XXXX  he county clerk, but did not remove them, stating they are reporting as verified.

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: AES/PHEAA
State: MN

Complaint narrative:
I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XX/XX/XXXX  my  XXXX  credit report is showing my loans twice.   I am in the process of consolidating my student loans with   XXXX   XXXX  , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping  my credit score ( FICO  )  XXXX  points!!   I can not do another dispute with  XXXX  due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score was dishearteni ng.  <P/> I need to have these " evil twins '' removed from my report ASAP.  <P/> Thank you.

Company response to consumer: Closed with explanation