vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I spoke with a debt collector for PREFERRED COLLECTION AND MGMT at ( XXXX ) XXXX physically located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Their mailing address is XXXX XXXX XXXX XXXX, FL XXXX. The call was made in regards to these two accounts XXXX {$120.00} and XXXX {$83.00}. She informed me of multiple debts in their office. However, she never gave the Mini Miranda. She never informed of her attempt to collect the debt or that the call may be monitored or recorded. In addition, this debt collector was practicing unlawful and unethical practices. She refused to take a payment because the debtor was not making a payment on all of the accounts ( including the ones they could not provide a validation of debt for ). I offered to pay $ XXXX since they refused to take a 1-time payment on these two accounts. She refused to set up my payment arrangement and requested that I mail the payments instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/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 non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over the past Two years, I have sent approximately ( 5 ) certified letters to Experian in regards to Two unverified derogatory accounts listed on my Credit Report ( XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ... ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. 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 are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to both XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX however I never received a reply back. Experian have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 2018-02-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact Equifax and XXXX, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me, XX/XX/2017. I specifically asked for a signed agreement and other supporting documentation. They instead provided me with billing statements from a computer screen ; which does NOT prove that I am obligated to pay them anything. The document is dated XX/XX/2017. 

They have continued to report delinquent information to the credit bureaus that I am asking to be deleted which is poorly reflecting me inappropriately.

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 2018-02-07 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: WA

Complaint narrative:
On XXXX18 I checked my credit score with Equifax, as I noticed that this service was the only one that listed a delinquent item in my overall score. I tried for about 45 minutes to take care of the problem online, with no success. There website did not function as purported to. Totally dysfunctional website. Finally gave up and tried to find out how to complain and to whom. Found this website, talked to an agent and got directed to this complaint system. 

The issue involved a mistake made by a kid behind the counter of a XXXX XXXX XXXX XXXX in XXXX, Wa. XXXX XXXX XXXX. It occurred about 3 or 4 years ago. I discovered that this XXXX XXXX XXXX was taking money out of my account to pay for a loan account that I had a credit card for. When I discovered they were deducted money from that account I decided to close the account. I specifically told the kid to cancel my account, which I discovered during the data breach where everybody 's personal information was hijacked. I then took care of it, I thought. Apparently, Equifax didn't get the message. They continue to show a delinquency that affects my credit score. I actually went into the credit union 's branch in XXXX, Wa. and told them of the problem and they retracted the delinquency notice. I don't know why Equifax ignored the results of that retraction when the other 2 agencies abided by retraction. I tried to communicate with that operation but was unsuccessful due to their website being so dysfunctional. I need help getting the message to this " company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
In XX/XX/XXXXI had 2 online payday loans. I was in a bad financial situation. Once I got back on my feet. On XX/XX/XXXX called the collection company to work out a settlement offer. The lady on the phone told me that if I paid both loans off in 2 weeks, they would REMOVE the entire file from my credit report. I paid both loans off as agreed and they did not remove them from my credit file. One loan amount was {$620.00} and the other was {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CA

Complaint narrative:
The following accounts came back verified. 

I have never gotten any documentation on these and they do not belong to me. As per FCRA Section 609, Experian has failed to provide me with adequate verification. 

They also failed to investigate the item correctly and have not given me the procedures in how they made their investigation since these items can not be authenticated and I have never received any physical proof? 

Here are the items I am challenging : 1. XXXX XXXX XXXX / XXXX 2. XXXX / XXXX ... 
3. XXXX / XXXX ... 

I need to know who had the authority to report these to my credit reports since they rae completely out of line and these items have never been verified via proper signed documentation?

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 2018-02-07 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: NC

Complaint narrative:
Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.

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 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: H & S Financial, Inc.
State: OH

Complaint narrative:
I had a judgment placed against me by a debt collection agency who used a fictitious name ( for me ) for a debt that I supposedly incurred with a credit card company that I never applied for. I didn't know they had any judgment or charges against me since it never showed in my credit report, I was never contacted by them and there has been no collection attempts on their behalf that I recall prior to the filing of the original case in XX/XX/XXXXfor a debt that they claimed occurred in XXXX. I also never received any judgment papers from the court or any fees associated with this claim. I got a reviver of judgment paper last month for {$10.00}, XXXX up from the amount that the original amount started at in XXXX for {$7600.00}. The case is still going to be heard for the revive motion next month and still being processed under a fictitious name. This debt never occurred by me or anyone on my behalf because I have never owned a credit card ( other than prepaid ) after my ex husband filed for bankruptcy on or about XXXX and I had to be included in it against my wishes. I would never have used the name that they submitted the claim against me and I was never given any verification of the debt. When I contacted the attorney representing them, they would not let me speak with the attorney on file, the receptionist however refused to give me any verification of the debt other than who the debt was supposedly incurred with originally and the dates that it supposedly happened. These allegations of debt will not be verified, I would never use such a name and I have never used a credit card since bankruptcy. The credit bureaus also put a fraud alert on all my credit reports since this happened and removed the fictitious name from my accounts used by this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
The robocall says it's from Harris and Harris Ltd and that it's a debt collection company. The recording asked me to call a XXXX number, XXXX. That is not the number the BBB has for this company. This is my second call from the same source. I have no outstanding debts with any company. I have never heard from them or any other company by mail about an outstanding debt. I have looked up the number and the alleged name of the company and have found that others receive the same type of calls. 

I have absolutely no intention of calling them but I would like whoever this is not to call me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX-Direct deposit for {$770.00} for the date XX/XX/XXXX was held until after XXXX XXXX  and bank did not release access to funds. Customer service and a branch manager downtown was called ( total of 3 calls ). Everyone initially said they could not see direct deposit or was employers fault FINALLY branch manager said just wait until tonight should be there by XXXX XXXX. Why are they holding funds for a full business day-same employer has deposited check for 6 years XXXXAutomatic bill pays for XX/XX/XXXX were not posted until XX/XX/XXXX XXXXAutomatic withdrawal fee of {$43.00} for XXXX of was rejected. Total transaction was {$75.00} but {$43.00} was setup to come from UMB account. At that time UMB account was over {$800.00} but they did not pay. Fee from merchant charged. 

Also here is email from XXXX : Instant Transfer payment Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$75.00} USD Reason : Your bank reported a problem. Please contact your bank 's customer service. If you still need assistance, you may contact XX/XX/XXXX Check for {$240.00} not cashed balance was $ XXXXthis resulted in a fee from UMB and other bank Also should of been paid on XX/XX/XXXX this is deposit they held until after XXXX XXXX  and historically paycheck for last 6 years always posted Thursday night before XXXX before this week. 

All these also happened after I filed an official complaint against the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Retailers who others put in their business permits and ran raido and media and accounts who frauded back my documents stack. A I have two boat captain in my documents stack. Others in Florida frauding my documents and as boat 's and marina permits frauding back USA XXXX XXXX accadamy of XXXX XXXX Indiana. 

Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana birth certificate of XXXX XXXX XXXX later changed in early XX/XX/XXXX to XXXX XXXX XXXX then thru my mom 's 2nd marriage to XXXX XXXX it was changed to XXXX XXXX XXXX XXXX Then others frauded boat captain of XXXX XXXX XXXX of XXXX county Indiana and his mom of XXXX XXXX XXXX XXXX of XXXX county Indiana who is XXXX. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are registered through XXXX  XXXX Indiana USA XXXX XXXX accadamy as XXXX XXXX through power squadern. 

Small water craft Then myself after boating for 20 years with boat captain was a first mate declared by others boat captains My XXXX birth certificate of XXXX county Indiana my legal father of my Mom first husband of XXXX XXXX XXXX his was was prior USA XXXX I XXXX XXXX XXXX XXXX XXXX prior USA XXXX My brother of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Prior USA XXXX XXXX XXXX sister marriage to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX   county Indiana XXXX XXXX was prior USA XXXX My mom 's 3rd Husband of XXXX XXXX XXXX was prior USA XXXX You have a 50 states grocery store and diners menus and shopping malls locations and shopping malls and other herds and others boat scams and business permits and schools and colleges and internet herds listings scams and realistate business and banking permits and auto stores and land development hooked up on my documents hooked up against USA XXXX XXXX documents and verterns documents Federal and state not authorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: IL

Complaint narrative:
I filed a CFPB report on Equifax due to them reporting incorrect addresses on my credit report. These Georgia addresses were reported while I was ( and am ) still living in Illinois. I provided Equifax with my identity theft report as well as my Illinois drivers license. My license showed that I not only was living in Illinois but even renewed my license during the time period the Georgia addresses were reported. Via CFPB filing XXXX, Equifax shows that they deleted those Georgia addresses. Unfortunately 2 fraudulent accounts still remain on my report. The accounts are XXXX  accounts. The company even sent me a letter addressing the fact that the person they were looking for lived on XXXX XXXX in Georgia. I want these 2 accounts removed from my credit report. They are only reporting on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I opened a brokerage account with XXXX and through the USAA process, transferred funds into that account. However, after USAA approved this ; they denied the transfer of funds. However, since then, USAA has questioned several deposits from my old XXXX account into the USAA checking account. These transfers were from my brokerage account. The rep called me today ( XX/XX/XXXX ) and suggested that I made criminal activity into the account from XXXX. This was an individual account that I had for 17 years, duly reported all income from that account to the IRS - yet USAA has for now, more than three weeks and with two employees and one manager implied directly that I was conducting criminal activity in the account by transferring to and from my brokerage account. This has to stop. It has become harassment. I am a retired XXXX XXXX XXXX veteran. I am not a criminal. Yet, after following all of USAA 's processes - they turn the tables and accuse me of being a criminal ... now, three times. I can prove the account with XXXX is legitimate ; provide all Schedule D 's to the IRS. How do we prevent financial institutions from accusing people that deposit small amounts of money ( realizing we are not all wealthy bankers ) into our checking accounts from brokerage accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief