vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: IN

Complaint narrative:
They have continued to violate my consumer rights even after the multiple attempts to inform them of the fact. At this point it is consider willful defamation and I am sending a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Despite three written requests, the unverified items remained on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : Bankruptcy. 


Enclosed you will find a letter from the United States Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I recently refinanced my student loan and the funds were sent to my loan servicer to pay off the balance over a week ago. They still have not applied the pay off amount to my account which leaves my previous account open and collecting interest! This is a shady business practice in an attempt to collect more unnecessary interest charges when the balance should have been paid off days ago. I am filing this complaint to make sure they expedite the process of them paying off my loan and attempt to reclaim the unnecessary interest being charged for the last 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Conserve [ ( XXXX ) XXXX ] first called my work number [ ( XXXX ) XXXX ] on XX/XX/18 at XXXX. They told me they were collecting a debt, and asked if I could pay it today. I told them I'd be happy to talk to them on my home number ( which I gave them ) when I got home from work. She said she would call during my lunch break. I then told them I did not want to be called at work any longer -- I share one phone line with 4 of my fellow employees, and we need this line for our job. The person I spoke to said she'd add put a note in my file. 

Conserve called me at work the second time on XX/XX/18 at XXXX XXXX. I started by telling the person that I had asked for this number to be removed and that I did not want to be called at work. She said the previous caller must have forgotten to put it in my file. She asked me if I would prefer to talk during my lunch break. She then told me the amount of my debt and that she would soon report it to credit agencies. I told her, again, my personal phone number and asked that she call me there after work. She explained that she only worked until XXXX, so she had to call me at work. She said that someone might work after XXXX on some night ( she didn't know which ), so she would put that information in my file. 

I then asked her to mail me the information on the debt to my home address. She said they had already sent the information and that they would not do so again. I asked if she could email the information and she said it was illegal. Then she said she would call at lunch ( again ) and I  told her not to. I told her that I had already asked for my work number to be removed from their list and I'd be happy to talk to them on my personal number after work. She, again, told me that my credit would be damaged. She asked me if I acknowledged the debt and if I knew what it was. I told her that I did not, and I let her know that I did not want any more calls at work. 

Conserve called me the third time, this morning ( XX/XX/18 ) at XXXX. I immediately told the caller that I had asked for my work number to be removed from their list. She indicated that the previous callers must have forgotten to indicate that in my file. I asked, again, for them to call me after work on my personal number. She told me that they had just tried to call my personal number ( while I'm at work ) and didn't get an answer, so they called my work number again. I asked if she could assure me that I wouldn't get any more calls at work, and she said 'it should work. '

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
SW CRDT SYS XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
We had numerous debts from purchasing clothing for my mother. The extra fees continued and we voluntarily closed the accounts. The accounts were sold and we still make payments to the companies monthly. They were harassing me so I sent cease communications to each one. However, we are now notified that this collection agency bought all 4 accounts. XXXX, XXXX, XXXX, XXXX XXXX. I do pay them monthly but directly to the XXXX XXXX. I am not paying a collection agency that continually calls. My wife and I are XXXX XXXX XXXX on low income.They keep calling, using several variations of numbers several times a day, even though we had previous cease statements on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
The representatives of XXXX XXXX XXXX have been calling me repeatedly about debt that belongs to my brother and my father. 

I am not associated with the debt nor do I have any student loan debt but this is the second attempt to talk to compliance at XXXX and now FAMS where they continue to call me. 

It's causing me an unreasonable amount of anxiety because I am getting repeated calls on my personal cell phone number while I am at work. 

The real issue is that they are breaking state and federal laws re practices they are allowed to use to collect debt. I also know they have tried to call other family trying to recover the debt that none of these family members are responsible for. 

I actually have XXXX dollars in student debt which makes this situation even worse. 

XXXX XXXX XXXX is at XXXX, and I spoke to XXXX XXXX at XXXX. 

I'm interested in how to stop this agregious practice period for me and all my family unassociated with this debt.

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 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
I was contacted regarding a debt that was settled over 10 years ago. The company refuses to provide information regarding this debt. They continue to call before 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 2018-07-27 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX has a collection account on my credit report that is not mine. I have requested proof of debt 4 times. Including certified mail. I have not received any response from them. When I call them I get bounced around and can never speak to anyone. This is not my debt. I'm not sure what other steps I need to take. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, 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 explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.

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 2018-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
Nam e of the company justice finance keeps calling my personal phone, they called me at my job and I told them to stop calling me at my job or that i was going report them again, a lady XXXX said ok ... i told them this on XX/XX/XXXX at XXXX XXXX. Today on XX/XX/2018 They called my job again and asked for me. I was not available to take the call but when i was i called them from my personal phone and told them i had told them do not call my job that they violated my request XXXX or XXXX stated they were still going to call me at my job if thats the only way they can reach me, i told her no that they just violated my request and i advised them i was going to file a complaint and they didnt care they said they were still going to call me i told them as well not to call my personal line anymore and they said they were going to cal me by all means necessary and all this was at XXXX XX/XX/2018 my job does have the recordings where they called me here at my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
I was signed up with XXXX and they ran a consumer report on my driving record. 
There is false information listed. 

1. I have never driven a commercial vehicle, but this is on my record. 
GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION  XX/XX/2017 XXXX Code W01 Category UNACCEPTABLE LOOKBACK XXXX Description GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION Issued Date XX/XX/2017 State GA It also states I'm a minor in all instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American express/serve allowed my account to be hack because they had a security breach on there web site and are refusing to return the money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My wife and I have a joint checking account with Bank of America. My wife and her son also have a joint checking account with Bank of America. These two accounts are separate accounts. My wife 's son has been mishandling their account and it was overdrawn. On XX/XX/2018 Bank of America transferred {$1600.00} from my account to cover the overdraft on their account. Bank of America did not get any authorization from me or my wife to make that transfer. I spoke to a teller at the XXXX XXXX, NJ branch and she said that Bank of America could do this because the accounts were related.

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 2018-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc
State: AL

Complaint narrative:
CCB Credit Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as XXXX XXXX XXXX XXXX and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were CCB Credit Services on behalf of XXXX. They constantly call and harass me at work and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as Ford Motor Credit first and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were XXXX XXXX XXXX on behalf of Ford. They constantly call and harass me at work and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: IN

Complaint narrative:
They have the wrong number, however continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I deposited {$1300.00} in cash into the ATM at the XXXX XXXX XXXX in XXXX XXXX, CA and was only credited {$680.00}. 

The BBVA ATM takes in 35 bills at a time so I inserted my thirty-five {$20.00} bills, totaling {$700.00}. The ATM then asked if I had any more cash to deposit. Since I had another 34 bills totaling {$680.00} to deposit, I pressed 'Yes ' and inserted the other {$680.00}. After processing, the ATM then displayed a total deposit of {$680.00}. I was confused about the amount but there was no option at the ATM to go back so that incorrect amount went through. 

The deposit went through at XXXX XXXX  PDT, after which I stayed for a while in the 24-hour ATM vestibule trying to resolve the issue over the phone. Due to offices not being open, I called back multiple times over the course of the past month and yesterday had a chance around my work schedule to make another visit to the bank. They told me that the investigation had been closed and that the ATM was not over, not granting me my {$700.00} that I am missing. 

I deposited {$1300.00} in cash so I am missing {$700.00} at this moment. I was in the 24-hour ATM vestibule around XXXX XXXX PDT when the transaction took place, where there must be a video record. There was also another person there who witnessed and can attest to these events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I contacted ProCollect to let them know that I will be making payments through a third party company that will pay them monthly until the acct is paid in full. The representative accused me of refusing to make a payment. I been making partial payment for three months now.

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