vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Creditor Information PORTFOLIO RECOVERY ASSOCIATES {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management XXXX XXXX XXXX XXXX {$980.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
On XX/XX/2019, I borrowed {$300.00} from a company called Power Finance Texas. I expected my payments to be a small monthly loan amount, as they told me my payments would be roughly {$67.00} a month. Shortly after making my first payment, I was then bamboozled with the information that I had to pay an additional {$200.00} and something dollars a month for my loan for a number of months. According to their documents, I would have to pay them a total of over {$1000.00} for this meager {$300.00} loan. Looking at the more than 700 % interest or APR, I feel this is predatory lending at it's worst. I also used my sister and her husband, who is retired military, as references.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A representative of American Express Legal Department has been calling me in reference to a case, to pressure me to pay the balance owed by a business LLC. The last time this same representative called me was today, XX/XX/2020 from number XXXX at XXXX pacific time. This specific representative is using communication that I find to be harassing in nature, as he repeatedly asked about my husband 's financial assistance to this matter ( my husband is not connected with this account ) and also repeatedly asked about the financial amount I may or may not receive jointly in a tax return from the government. Actually, the first person who ever mentioned me using a tax return to settle this balance was this AMEX representative. I specifically told him that I do not have the lump sum payment for this settlement and that this money ( tax return ) was not only mine to take ( if received at all ). I actually told him that specifically during a previous phone call. I also do not appreciate him asking about my husband 's contribution to paying this debt. While I may have mentioned in a previous call that I was not earning income at the time and my husband was helping me financially, I never brought my spouse up during this phone call today, and I do not appreciate this rep. badgering me about my husband 's assistance and whether or not he could help me. 

Lastly this representative had a very loud tone, one that talked over me, and intimidated me. He even said that the only reason I was able to get an accepted settlement offer for a a different AMEX card balance ( owed by another LLC I operated ), is because the judge ordered me to pay it. This is false information. I never received a judgement from the court for any debt. I also never spoke with a judge specifically regarding any legal requirement ( of myself or LLC ) to pay that balance. I made that financial settlement out of good faith with the attorney representing that case, peacefully, out of court and through email. 

This AMEX legal rep. is abusing his power, and using intimidation and harassment to force me to agree to terms that I can not financially commit to. Of course my natural reaction has been anger, and I yelled back on the phone this last time. However, it was initiated by him and I do not appreciate my husband name, or our joint tax return, being utilized in a harassing manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I paid the Lobel Financial of {$8300.00} last XX/XX/2018 as to settlement on this agreed amount for the debt I owe them. 
Yesterday I obtain my credit report thru XXXX and came out the result that Lobel Financial didn't updates my status to the credit bureau. When I called them the person on the legal department was very rude to me over the phone because I insist to him that it should be cleared and therefore I request to him for an immediate action but instead he replied investigation should be proceed first and it takes 60 days. 
This is not fair I told him then I said I will complain to the CFPB then he replied you can complain as much I want. 
Please help me. I will attached my Financial Refinance Statement that I settled from the XXXX XXXX XXXX  along with the Recent Credit report from XXXX. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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:
There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.

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 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Hello I have a Collections company named Ability Recovery Service on my XXXX & XXXX   XXXX reports. I disputed this account on XX/XX/XXXX, sent a certified letter with a Debt Validation Request on XX/XX/XXXX, the letter was delivered to the companies post office subs the address is a PO Box XXXX On XX/XX/XXXX. The company claims I owe this debt but I know I dont because I never heard of the original creditor XXXX XXXX. The collections company keeps actively flagging my credit report for collections from XX/XX/XXXX - XX/XX/XXXX. After the opening a complaint with Ability Recovery Services local XXXX. They Ability Recovery first stated that the client XXXX XXXX recalled the account on XX/XX/XXXX. However I have proof the account remained on my credit report after. Since they flagged my report in XXXX, Ability Recovery Service then responded that same again except they added their client XXXX XXXX sent the debt back to them in which they placed it back on my report on XX/XX/XXXX. Now I must be missing something or can Ability Recovery Service explain. If the debt was removed on XX/XX/XXXX and placed it back on my report on XX/XX/XXXX, how could I have disputed it on XX/XX/XXXX, mailed a letter on XX/XX/XXXX and the letter arrived at their post office on XX/XX/XXXX? They also tried to same that the account # on the report was new from XX/XX/XXXX but if you look at the pictures in include the account number goes back to XXXX. Also if I actually owe this debt to XXXX XXXX why did XXXX XXXX recall it. Why is Ability Recovery Service lying so much about the account? Why? Ill tell you why because I dont owe the debt I never heard of XXXX XXXX or Ability Recovery Service until the day XXXX checked my XXXX & XXXX   XXXX reports.

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 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XXXX account balance incorrect and contact made to the company. Was advised technical support needed to activate the account and correction would be made. 
XXXX unable to access the account. No changes made. Advised still waiting for access to be made. 
XXXXbalance not corrected. Advised of manager callback. No call back received. 
XXXXcalled in regarding missing payments and fees still showing charged. Advised adjusted in their system but not showing on statements that I received. 
XXXXadvised rep of balance not correct for car to be paid off in 2 months. Rep stated info sent to manager to review XXXX received bill showing XXXX as remaining balance due with 96 % paid of the account and 3 of 72 payments made XXXX reviewed account and showing balance now XXXX owed with 3 of 72 payments remaining and 96 % paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX {$0.00} This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

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 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
CURACAO XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX USA ( XXXX ) XXXX {$0.00} This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
XXXX XXXX Ad Astra Recovery Services {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy Cash XXXX XXXX XXXX XXXX {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
CURACAO Last reported XX/XX/2020 {$860.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
bank error thief stole information well fargo gave them the money and will not refund my disputed 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 2020-02-20 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: AR

Complaint narrative:
I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$860.00} XXXX XXXX {$57.00} XXXX  XXXX {$2000.00}

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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been receiving calls threatening if I didnt return the call legal matters will be taken they are trying to collect. XXXX debt stating iowed wells fargo from 2006 wich I've never ever had a bank account with that bank he said I was gon na be taken to court n that they where gon na see if my signature was the same as what they had I went down to a wells fargo branch and explained what was going on they clearly said that was a scam. That they don't do that type of action

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 2020-02-20 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$430.00} XXXX  XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
I received a notification that a collection was added to my credit report, I login and see a collection from this company for {$4300.00}. I have no idea who this company is or what it's for as I have not received any communication from them nor a notice of right to dispute. 
It also states that this will not fall off until XX/XX/2025 which would imply with in the last year I did something that would cause me to incur a bill, That is 100 % false as I know for a fact I have not. 

The fair credit report requires you to send your rights to dispute, it also requires the information you report to be 100 % accurate and true ; it also must not be reaged! Nor do I have any type of 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