vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
XXXX XXXX using Ace Cash Express Payday Loan name to try and collect money not owed to them. Contacted Ace cash express and I have no debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
This account has been closed and should NOT be on my credit report. It was to be removed XXXX 2015, yet it is still on ALL XXXX credit bureaus report.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Liberty Holdings, LLC
State: CO

Complaint narrative:
I was given a document of judgement for a Garnishment by my HR representative today at work. Without my consent my employer was informed of this document and given the opportunity to read what was on this document. They then gave the document to me at my place of business without any recognition of a process server or any request for my presence in the initial handoff.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Recovery Management
State: KY

Complaint narrative:
The Medical Office did not file and claim in time with my Insurance company. The debt is not owed per XXXX.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been disputing multiple fraudulent accounts on my credit reports with XXXX, XXXX and Transunion to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate there results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX reported an existing and overdue balance of {$58.00} to a Collections agency from an account that had been closed in good standing many years prior. I paid the existing balance when called by the Collections agency but since then my credit has been negatively affected. I have spoken with XXXX about removing this from my credit report and they agreed to do so ( and emailed me a confirmation of that discussion ). However, after 30 days, the negative account remains and the credit agencies insist this must be pulled back from XXXX. I have exhausted all methods of communication to have this erroneously reported delinquency removed from 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 non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting my an overall debt increased that resulted on my FICO score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the FICO score is calculated from XXXX factors. I submitted a dispute but I do n't feel confident nor do I trust Transunion to resolve this issue.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2016 I received all XXXX credit reports and noticed a collection account by XXXX, collecting for XXXX, stated I owed {$1100.00}. Knowing this did not belong to me I initiated a dipute with all XXXX reporting agencies. XXXX and XXXX removed the account, but TransUnion did not. XXXX will not release any of my records I requested to prove it was mine including signatures and ID. I filed complaint with them also. This is not my account and I want it 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 explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, Re : XXXX Account XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

1. This is a secured account. On XXXX, I contacted XXXX and told them that I wished to get records on the account. 
2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 
3. I contacted them and after a while they did n't respond. 
4. After begging them, there was no resolution. 
5. I sent them a demand directly. 
6. They did n't reply and are reporting incorrect on your bureau. 
7. That is impossible. The other XXXX bureaus show as never late, and your bureau shows as late. 

The account was never paid late as it is reported. I request that you remove any inaccurate information from my credit report as quickly as possible. 


This is really causing me a lot of XXXX trying to fix this companies mistakes is taking countless hours. Further more I am a XXXX citizen. 

I do n't know why I must spend so many hours trying to fix the late payment that VCB as reported on my Credit Report. 

I 'm requesting that you remove the items from my Credit Report. 

After doing so please provide me with an updated credit report reflecting the changes. 


SEE ATTACHED

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Credit report shows XXXX different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

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 2017-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TX

Complaint narrative:
ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: P&B Capital Group, LLC
State: NY

Complaint narrative:
I spoke with a collection company called XXXX XXXX XXXX XXXX XXXX XXXX in regards to an old account that was under my ex wife, we came to a settlement to avoid damage on my credit, My credit card company blocked transaction as fraud charge. 
Collection company called me yesterday during works hours i asked to please call me after work which they do not did. Today after the first phone call during work hours i told Capital group to call me at better time a representive from this company started threated me bad with abusive language saying that im hiding to not paid this charges that im a fraud person, saying that i better take care this balance, i ended up hangup the phone. 
He decided to call me at least 10 times after i was clear that i cant talk during work hours. 
This could cost my job and i dont feel comfortable with a company like this having my private information and constantly harrasement over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&B Capital Group, LLC
State: NE

Complaint narrative:
Got XXXX calls on my home phone from phone # XXXX at XXXX and XXXX on XXXX/XXXX/2016, Caller ID said only XXXX, NY. Immediately after, I got a phone call with a voice mail on my cell phone threatening me with a lawsuit in my county if I do n't immediately take care of this. I have received nothing in writing, no validation of debt, and this is far beyond the five year Statute of Limitations even if it is a debt I may owe. In fact, this debt does not show on my credit report, so I do not believe it exists. 

The number is a Voip number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Dealer Services Telephone number comes up as " Data Overage Alert '' -- Deceptive and violation of FDCPA

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 2016-10-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: United Check Recovery, LLC
State: CA

Complaint narrative:
Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.

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 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank continues to charge my personal checking account with NSF fees, it is now over {$700.00} i called and made a payment arrangement to pay for the amount overdrawn and i requested to see if I qualified for a waiver. they said no and they continue to charge me for fees when they are not honoring the payments so theres no way they can block the charges and they dont want to credit me for the NSF 's even when they are not paying out any of the payments. this is abusive and predatory, they are unwilling to work with me even after i made an arrangement to brign this account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is trying to sue me after 8 years I collected the debt in XXXX ( SOL 6 years ) Moved to XXXX 5 years ago ( SOL 6 years ) XXXX has a borrowing statute So in XX/XX/XXXX it will be a total of 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My Capital One credit card has been closed due to a mistake by Capital One and my request. My credit still reflects a balance, there should be no balance it was paid in full. Also Capital One agreed to remove this account entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have requested a payment ledger from Conn 's, for XXXX separate accounts, on three separate occasions. The first being XX/XX/2017 via a message on their website and I followed up with 2 separate phone calls on XX/XX/2017 and XX/XX/2017. I have yet to receive anything in the mail. I have reason to believe they are retaliating against me because I filed a complaint with a government agency for another account I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pacific Collections
State: GU

Complaint narrative:
a credit report was submitted into XXXX that was not mine ( if there is a social security number that comes along with that report then they should have verified it to see if it was mine ) on XXXX/XXXX/2012 from XXXX XXXX XXXX XXXX in XXXX. under the original Creditor : XXXX XXXX XXXX, Account number XXXX. I checked with the Collection Agency and I was told that it had a different SSN under the same name. The supervisor told me he would clear that up three weeks ago, but I did not see any change in my report.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: NY

Complaint narrative:
I paid a debt to a collection agency over 1 year ago never reported it paid to originalXXXX or XXXX first federal creditor and collection. The creditor was XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Colorado Capital Investments, Inc.
State: NY

Complaint narrative:
Around XXXX of XXXX I, along with my employer, suddenly received an income execution from the XXXX about a default judgment allegedly entered against me back on XXXX XXXX, XXXX by Colorado Capital Investments. The original judgment was {$1600.00} and with interest the income execution now totals {$3600.00}. When I called Colorado Capital Investments ( as advised by the Marshals office when I told them I had no clue what this was about and why did they also send info to my employer ) Colorado Capital Investments informed me of the default judgment they had against me and that the XXXX were to collect on the debt. I explained to them I was never made aware of a default judgment entered against me and did not live in the state of XXXX from XXXX through XXXX so could never have received any notification of such. I was not even sure what the judgment default was for because it is over 12 yrs old. They said they would send me some paper work and ended up sending me forms saying they received my complaint of " fraud '' and requested info such as a drivers license, etc to prove my residence back in XXXX. I have no such info as requested, it has been over 15 years since XXXX and I was required to turn in my XXXX license in when I received a license XXXX when I returned in XXXX and I did not keep things such as residential leases, utility bills, etc from XXXX to prove my residence. More importantly, I never alleged fraud of any kind. I told them there had to of been process of service issues considering I did not live in XXXX at any time near XXXX. So not only did I not receive a summons and complaint, but I also never received notice of the default judgment entered against me. It is unfair practice to let a default judgment sit and collection interest for 12 years and then finally act on it when the interest is higher than the amount of the judgment. Moreover, I told them that when I began law school in XXXX I received a full credit report on myself to ensure that I corrected all debt issues before I graduated law school this past XXXX so that I did not have any difficulty passing the Character & Fitness portion of the admission process and advised them that no such judgment has ever appeared on my credit report. Because I was unable to come forward with any documents of where I lived in XXXX, Colorado Capital Investments and the XXXX office have continued to contact my employer only!

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC
State: OH

Complaint narrative:
Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. 
Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Whetstone Partners, LLC
State: FL

Complaint narrative:
A former room mate of mine put me as a personal reference on a loan for a company called " XXXX XXXX XXXX. '' It 's been over two years since he 's moved out and I do n't even know his phone number. I have told them this repeatedly and they call every two or three weeks asking me if I know where he is. They have been doing this for over a year now. They keep telling me the same thing, that he put me down as a reference. I never signed anything or even knew of this company until they started calling. I have blocked their calls on my phone but they still leave voice mails constantly.

Company response to consumer: Untimely response