vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card. 
Listed as factoring company on one report and collections on another.

This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX  XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, Wells Fargo Card Services reported a two hard inquiries on my XXXX Credit Report that I did not authorize. I sent them two certified letters on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiries. While they are still being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX TransUnion I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: FL

Complaint narrative:
Dear XXXX Experian XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my XXXX clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: Focus Holding Company
State: GA

Complaint narrative:
I have attached a letter for the following Collection Account Companies.  Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They sent a letter stating that I paid this bill with my XXXX account and lucky for me I never had a XXXX account. So like I have been stating I do not have an account with you. Also you stated that I had two accounts and decided that one of them was fraud when they both are. After contacting XXXX because American Express refuse to do any leg work to find out the truth. XXXX stated they never has an account in my name under my social security number. They did state an account was open with my social under a different name that they could not disclose to me because it was not my name. PLEASE QUIT DESTROYING MY CREDIT WITH FALSE ACCUSATIONS. Also they can get my credit report from the same people that they are reporting the negative info to. All three credit bureaus have a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
According to chase JP Morgan they did an investigation and the transactions are legal but I have never authorized this reversals or done this in my life they didnt even call me to confirm this transaction and the money they are saying they returned XXXX account the XXXX dlares I have never received theres a mother transaction that I call them about and I called the people from the 800 number on the transaction this people dont even have information about me and they still charged my account for this money I have had to change my account for a new account after changing my debit card 3 time for the same problem and my girlfriends account is been jacked too hers they are involving XXXX car insurance but we are working with XXXX they are going to investigate

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
Hi, I opened a XXXX account back when I first turned XXXX years old with my parents which was around XXXX of 2014. We opened 4 lines and I was not aware my social security number was being used when the account was open. We had the service for about a year and then we decided to move carriers. We kept the phones and used another service which was still under the ambrella of XXXX. A year later XXXX  collection agency kept calling informing me we owed money on the phones, which where already paid for. Now three years later Im still constantly getting calls, being harassed even though my number has been changed and Ive moved to a whole different phone carrier. Please help me remove this from my Fico credit report since its making a huge impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services
State: MD

Complaint narrative:
This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The reason for filling this complaint is that I have not been able to reach a settlement with XXXX XXXX XXXX or Navient on a student loan debt originally accrued from XXXX. 

Original Loan Amount and dates :XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} Total : XXXX XX/XX/XXXX I received a letter from the XXXX XXXX XXXX ( XXXX ) stating that they had contacted my employer for an ORDER OF WITHHOLDING FROM EARNINGS ( see attached document CFPB_GarnishmentLtr_2-16pg1 ). I spoke with a XXXX representative and attempted get clarification on the amount of the depth. I did not receive any assistance. 

XX/XX/XXXX XXXX Began garnishing my wages. I retained the services of XXXX XXXX XXXX XXXX XXXX XXXX ( see attached document CFPB_LawyerLtr316001 ) to negotiate on my behalf. 
XXXX XXXX sent the request on my behalf ( see attached document P16-742_Navient_XX/XX/XXXX ) I also attempted to contact my Employers XXXX XXXX XXXX Payroll office to inform them the amount of the garnishment taken from my pay is larger than the Public Law 102-104 ; U.S.C. 1095 ( a ) allows. No one from the corporate payroll has made any effort to return my request. 

Currently XX/XX/XXXX My biweekly wages have been garnished for a total of {XXXX} ( {XXXX} for XXXX and {XXXX} for XXXX as of : the current date ), at a rate of 25 % per pay period ( see pay stubs date for XXXX and XX/XX/XXXX. This is higher than the amount of 15 % that is allowed under the law. 
My lawyer XXXX XXXX has not received any correspondence from the XXXX, XXXX XXXX or Navient on the original request. I have not been able to reach a settlement or received any statements on the current balance of the depth. 
I have suffered from significant family medical expenses and this garnishment has caused me significant XXXX. I am now to the point that I am unable to keep up with my household expense. I am head of Household and the Sole income for my family. I am no longer able to adequately take care of my family. 
I am at the end of all options and I am asking for assistance in this matter.

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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I was unable to pay my mortgage through Loancare for that month. I made an agreement with them to pay the XX/XX/XXXX payment over a 4 month period on top of my regular payment of {$800.00} a month. So for the next 4 months I paid {$800.00} plus the {$200.00} for XX/XX/XXXX being over {$1000.00} on a monthly basis for the next 4 months. During those 4 months it was showing that I was late on my payment every month summing it up to {$50.00} in late fees. When I finished with the payment plan I called Loancare and inquired about this late fee that was accrued while I was on a payment plan. The customer service representative looked into account and confirmed I was on a payment plan and waived the fees. 
I still do n't understand why my credit report still is showing late payment when payments were made on time while I was on the payment plan fromXX/XX/XXXX-XX/XX/XXXX. Can you please assist me in updating my credibility by removing late payments during those months on my credit report? It is hurting my score. 

Thank You

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 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I purchased some XXXX through Coinbase using my debit card. I then sold the coins and have the funds sitting in an online wallet, the funds are in XXXX and I have been unable to get any advice out of the company as how to actually get the funds back into my bank account. They advised me to send a payment to them to verify my bank account but they still have not done this meaning i can not get access to my funds. All of the advice on the Coinbase.com website is very confusing regarding the withdrawal of funds especially if they are in XXXX. 

Coins bought on the XX/XX/XXXX and more on XX/XX/XXXX. This was very easy and i used my debit card. I then sold the coins on the XX/XX/XXXX. I completed the payment to them as requested on the XX/XX/XXXX which debited my bank account on the XX/XX/XXXX. Coinbase say they will then verify the account 1/2 days later. This has not been done yet and as all of the reviews online are so negative about this company I am starting this procedure now in order to get my funds out asap. I feel very misled by the company and let down by the online and telephone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XX/XX/XXXX Bank of America noted fraudulent activity on my credit card and replaced the card with a new one. When I received my XXXX statement I noted further fraudulent activity. After a short period of confusion I determined that six transactions were fraudulent. I talked to nine different staff at Bank of America over one month regarding these transactions. OnXX/XX/XXXX Bank of America issued me a letter indicating they were " unable to assist with the fraud claim '' on my account and I was liable for all charges. I did not make these charges and by law should not be liable for them. The six transactions are : XXXX XXXX XXXX ( date XX/XX/XXXX ) ref number XXXX {$130.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$38.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$6.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$27.00} XXXX XXXX ( XX/XX/XXXX) ref number XXXX {$69.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$68.00} These charges total {$340.00}. I have paid these charges but should receive a refund.

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 2017-12-06 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: ND

Complaint narrative:
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, I contacted Portfolio Recovery Associates about a debt I owed to them after they brought a XXXX account that was charged off. 

In XXXX, I called PRA and spoke to a rep about setting up payments every two weeks to handle the account. I asked, if I paid the account would they be willing to do a pay to delete the rep put me on hold and came back and said yes they could do that. I started making payments on XX/XX/XXXX and my final payment was on XX/XX/XXXX. 

I received a letter stating the account was settled and the credit agencies would be updated. Its been a month and the entry is still on reports. I feel like Portfolio Recovery Associates lied to me just to get me to pay. At the end of the day the debt was mine, but the way they went about it was totally wrong. Why say you can do a pay to delete and turn around a renege.

Company response to consumer: Closed with explanation