vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
A credit colllection company has been reporting to the credit bureau every 3 days about a derogatory account. This is illegal. They said their policy is to report every 7 days. I want to know how many times legally can a collection company report to the credit bureau? Seems a little excessive. So basically instead of charging daily interest they report to the credit bureau every 3 days killing your XXXX score?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Diversified consultants keep on calling saying it is urgent I call them back to settle debts. 
They never say what the dept is or give a name. I said multiple times to stop calling and pressed # 2 on my phone to indicate for them not to call back, but nothing works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: RFNA, LP
State: MS

Complaint narrative:
My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST HERITAGE CREDIT LLC
State: SC

Complaint narrative:
My wife has a loan with a finance company. They have called me, the husband XXXX XXXX several times about the account daily, talking reckless to me, threatening legal and I am not the account holder. Called my mother in law who was not listed as a point of contact. Account got behind and all personal info was shared with me and I am not the account holder. First heritage credit XXXX sc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: MS

Complaint narrative:
My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
During the week of XX/XX/XXXX, I made a purchase on XXXX mistakenly using the wrong card ( debit card ). This was for ~ {$1400.00}. I immediately cancelled the transaction, received notice that a refund was processed, and called the bank to avoid an overdraft scenario. US Bank informed me that it would be no problem whatsoever. I was relieved. By that Friday XX/XX/2018, my bank account had adjusted, the charge was removed, and relevant OD charge was also removed. Great, I have a positive balance in my account, and it reflects this online on Friday, and over the weekend. However, on Monday, XX/XX/XXXX, the charge has re-emerged, and is charged first before several bills that are set to be removed from my account. The first thing I did was transfer money to compensate for the bills. On Tuesday, when everything adjusts again. I am left with 3x {$36.00} OD fees, and a reversed {$1400.00} transaction, leaving me overdrawn by {$80.00}. They purposely manipulated my transaction history, re-applying an already reversed charge in order to justify charging my erroneous OD fees. The only reason Im at a negative {$80.00} balance is from {$100.00} in OD fees. This is deceptive and cruel.

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 monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: IN

Complaint narrative:
I called XXXXH Portfolio Debt XXXX XXXX XXXX XXXX XXXX MO XXXX at XXXX to find out what this debt was, they stated they could not find me in their system. That they didnt even know what the debt was and that they had no record of me having any account with their company. I was told that the debt would be removed and the collections would be removed from my credit report. They are still reporting that I " disagree '' with their findings, although I never recieved any notification of proving that the debt was mine or that I had an account with them anywhere. They could not find me by name or social security number. I disputed the debt and the only findings they returned was that I disagreed. They have never sent me official documents that I owe the debt, any bills, statements, proof that at any time I opened this account. When I call I'm told they can not find me in their system, however they continue to report to my credit that I am in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with Equifax over several hard inquiries that I knew nothing about that all happened on a single day. When I was notified the dispute was over I went to see the results and was presented with an error that my information did not match their records. 

I called equifax and was told that I needed an " equifax service '' to recieve immediate help otherwise the department that could help was closed. I asked how I could get the service and they all cost money. Basically they wanted me to sign up for their service or they refused to help. 

My 10 Digit confirmation number for the dispute is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Professional Debt Mediation Account : XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX To whom it may concern, I am writing in response to your letter dated XX/XX/2018, copy enclosed. 
On XX/XX/2018 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Kentucky. 
I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond fully to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/XXXX. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On or about XX/XX/2018 I received a debt collection notice for Debt Recovery Solutions out of New York, alledging I owed a debt to XXXX XXXX XXXX. 

I researched XXXX XXXX and found that they appear to be out of business so I could not contact them directly. I wrote a letter to Debt Recovery asking for verification of the debt that must include my signature as validation that I had agreed to any such services. First letter mailed on XX/XX/18. 

Second letter to Debt Recovery mailed on XX/XX/18 advising that I had not received any response and to ensure they removed any and all debt collection trade lines from my credit report. 

The few days later I received a response with some computer generated statement as their attempt to validate the debt. 

I sent another letter on XX/XX/18 disputing the validity of the debt again and disputing their documentation since it was computer generated and anyone could have created it and it did not include my signature or any authorization from me for said services. 

I have received no response to my 3rd letter. Debt Recovery has refused to respond to my reasonable demands that they prove I owe this debt. They are harming my credit and my reputation with their trade lines and I should not be obligated to pay something to some third party if they can't show written evidence I agreed to anything. 

As far as I can tell I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Blue Global Media, Inc.
State: OK

Complaint narrative:
I got an email saying that on XX/XX/XXXX I had an inquiry for a loan which I didnt apply for. Tried calling company but number was wrong

Company response to consumer: Untimely response
Consumer complaint received 2018-09-18 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: CT

Complaint narrative:
A Collections report has been filed on my credit report 3 times by IC Systems for a debt of {$150.00}. Not only is the debt not mine but they are repeatedly flagging my credit report with the same debt. Are the collections companies permitted to report the same debt more than 1 time? I have read that they are not.

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 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I keep getting Debt papers that I never took or open accounts, I'm requesting to provide me with my signatures showing that I opened some kind of account. Also I have the proof that I have never been in CA as I see those accounts from CA, second I came to USA in XXXX, I came in XXXX to work on cruise lines, so obviously I couldn't be on the land opening accounts and buy some things

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 2018-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
XXXX  XXXX XXXX XXXX refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. XXXX  XXXX sent me a letter showing a signature that is not mine. I also filed a compliant before and XXXX   XXXX advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX XXXX fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. This is my 3rd complaint with this company and they say the same thing each time! I received the validation letter! Which wasnt my signature!!! That is not valid signature! This isnt my debt I already filed a fraud alert on my reports I have done everything I was suppose to do! At this point Im considering getting my lawyer involved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: TX

Complaint narrative:
I just began the credit repair process and when pulling my reports Meade & Associates has been reporting to my credit since XX/XX/XXXX. Around XX/XX/XXXX I was contacted by someone from their office asking if the named doctor was ever my physician after identifying what office they were calling from and what it was for I advised I owe nothing to that doctor 's office. If I did, I was not properly notified. My cellphone number has been the same for years I never received a call. As of XX/XX/XXXX I've sent a pay for delete advising I am not claiming this debt as mine but for the sake of my credit I want to pay it off and get rid of the history of this account in its entirety. No response was given. On XX/XX/XXXX I mailed a certified letter requesting validation of this debt. The letter was signed for by initials XXXX on XX/XX/XXXX. I've learned a debt can not continue to be reported or updated to my credit report until it is verified. I did not receive an answer. On XX/XX/XXXX Meade & Associates updated the debt on my credit report again. They refuse to allow me to settle this debt along with refusal to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
My husband had his social security card stolen and we never knew about a XXXX account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to XXXX. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX my debit card was stolen from my home along with my phone. A police report was filed with the City of XXXX, XXXX, NC police department. Report number XXXX. He was arrested and arrainged in XXXX County Court on XX/XX/XXXX. Withdrawels were made by the perpetrator and card was given to another individual who used the card and made debt card transactions. Both indivduals have been arrested and are locked up in the XXXX XXXX XXXX XXXX in XXXX NC. The second person was arrested and arrainged in XXXX County District Court on XX/XX/XXXX, File # XXXX. As of today, XX/XX/XXXX the bank has not returned any monies to my account and my account is {$1300.00} overdrawn. I have called and provide police records, details etc and the bank continues to not replace monies lost to this fraud that was commited against me. 
The Bank of America fraud team just continues to deny claim and not update any information to my case. Repeated phone calls inquiries to my claims just continue to be ignored. Please assist me in retrieving the XXXX that is due to me. 

Sincerely, 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 monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My husband had his social security card stolen and we never knew about a PayPal account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to PayPal. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I was served with paperwork in XXXX for a lawsuit on an old credit card. I entered into a payment agreement with the debt collector to stop the lawsuit. Last week, I got paperwork in the mail that they were pursuing a default judgement. 

On XX/XX/18 at XXXX MST, I called the debt collector to see why I got this paperwork since we were in a payment agreement and they replied that the judgement had already been awarded and I should pay the full amount immediately to avoid wage garnishment. 

The next day I got a notice in the mail that the judgement hadnt been awarded, in fact, the motion was denied as the next step would be a pre-trial conference as I had answered the initial lawsuit with our payment agreement information.

Company response to consumer: Closed with explanation