vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX violated The Fair Debt Collections Act in the following ways : 1. Threatened to take legal action against me if I did not pay the debt from 14 years ago. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. Continued to make calls and texts to my family members after making contact with me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. Threatened my family members with legal action if they didnt give them information. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 4. Threatened to contact my employer via text. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 5. Gave my family member information about the debt. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2018 at approximately XXXX and XXXX I received two telephone calls from a company that refused to identify themselves or the name of the company they represented. Again, I informed the female representative that they have called my home repeatedly and have not left any messages and then they'd just hang up the telephone. Therefore, today after receiving the second call, I looked at my caller ID to retrieve the phone number. I called and the female representative refused to tell my the name of their company and what type of service their company provides. So I asked to speak to her manager, named XXXX XXXX. While speaking to XXXX XXXX he told me that he could not provide me with any information regarding the type of services their company provide. However, he said that the person who they are calling he could not give me any of their personal information either. But I had ti reiterate to XXXX XXXX that I never asked that they provide me with personal information for the party that the call was intended for, I asked for the name of the company and the type of services that they provide to the consumer. 
XXXX XXXX, the manager still refused, he then gave me the name of a company named Radius Global Solutions, and told me that I can research the company name online. 
XXXX XXXX then went on questioning me asking me if I was the person that they were calling for or he repeatedly asked me if I knew that person. Initially, I made myself perfectly clear to both the female representative and to XXXX XXXX that I was not the party that he was calling for and I did not know of that individual, but he acted as though he didn't believe me and he continued to ask me the same questions that I had previously answered. This was very disturbing to me. Mr. XXXX XXXX knew or he should have know that the manner in which he conducted the call was harassing and the repeated calls and his questions were unwanted, but that did matter to him. I thought that XXXX XXXX actions and the tone that he used with me was a clear violation of the FCRA and the FDCPA. I want to be permanently removed from their databases effective immediately. I do have a copy of the telephone call that I recorded. Idid make it perfectly clear that the call was recorded because XXXX XXXX informed me that he too was also recording the conversation. The recording will be made available to you upon your request, for your review and consideration, if needed. Again, it will be provided upon your request. I do not owe this company. I do not know why this company is calling me! I DO NOT HAVE ANY OUTSTANDING DEBT OWED TO THIS DEBT BUYER AND/OR COMPANY OR ANY OF THE CLIENTS OR CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a auto loan with bbva compass. I have made my car payment each month, sometimes a few of them have been late but i have always made them. I do not dispute the late fees for these times but i do not think it is fair that they charged me a per diem each day the late fees went unpaid. I spoke to someone recently who told me the charges were now {$230.00}. I paid the fee and now Im in the red with my bank. I started thinking and asking questions then. I called again and a woman was able to tell me of 2 late fees of {$16.00} each assessed on XX/XX/XXXX and XX/XX/2018. She informed me that there was a per diem charge associated with nonpayment of the late fee. I believe this is a violation of Regulation Z, pyramiding of late/delinquency fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.

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 2018-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I went in to XXXX  XXXX in XXXX Ny thought I was leasing a car for XXXX according to the sticker price. They said in the paperwork the cars agreed upon value is XXXX. We never negotiated the price according to XXXX and XXXX we were talking about the sticker price. No listing of what increased the cars value. Company name is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In XX/XX/2016 Experian incorrectly reported late payment for 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 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, as well as my family, XXXX family, bank with Chase Manhattan. Chase Manhattan has engaged in attempted assault and grand larceny as well as elder abuse. We want to move our money to XXXX  XXXX XXXX or XXXX XXXX XXXX. Chase has blocked access to a {$2000.00} bank transfer and deprived us of banking services. Chase from the XXXX Branch, XXXX XXXX XXXX, XXXX, NY XXXX. This branch has engaged in repetitive grand larceny issues, closing bank accounts illegally. They also cancel bank transfers and refuse to give us access to our own money. This branch also refused to investigate a forged check related to third party access from XXXX XXXX and other third parties. They also remove names illegally from assets and bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
CREDIT ACCEPTANCE WAS PAID OVER {$10000.00} BY MY CAR INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 REDUCING MY AUTOMOBILE LOAN AMOUNT OWED FROM {$11000.00} TO {$1900.00} OWED. CREDIT ACCEPTANCE HAS REDPONDED TO 3 CREDIT BUREAU DISPUTES TO XXXX, XXXX, AND XXXX AS THE {$11000.00} BALANCE OWED AS CORRECT AS OF XX/XX/2018 WHEN THE CORRECT BALANCE AS OF XX/XX/2018 IS {$1700.00}. CREDIT ACCEPTANCE IS INTENTIONALLY RESPONDING TO CREDIT BUREAU DISPUTES INCORRECTLY. CREDIT ACCEPTANCE HAS REFUSED TO CORRECT THE ERRONEOUSLY REPORTED BALANCE OF {$11000.00} TO THE CORRECT BALANCE OF {$1700.00} AS OF XX/XX/2018. I HAVE DOCUMENTATION DATED XX/XX/2018 FROM CREDIT ACCEPTANCE THAT STATES THEY WERE PAID BY MY INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 AND THE REMAINING BALANCE OF {$1900.00} IS TO BE PAID IN MONTHLY {$200.00} PAYMENTS WHICH HAVE REDUCED MY CREDIT ACCEPTANCE BALANCE PRESENTLY AS {$1700.00} WHICH CREDIT ACCEPTANCE REFUSES TO CORRECTLY REPORT TO XXXX, EXXXX, AND 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 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
On XX/XX/2018 a medical collection account appeared on my credit report. I called the collection agency and told them that the account was not mine and that is was someone using my identity ... I disputed the account several times with the credit bureaus and also with the creditor ... And they are saying its my account ... the account name and address are different than mine .... please help me i don't want to pay for something i had nothing to do with ... .The balance on the account is {$3400.00} ... i sent dispute letters on XX/XX/2018 and XX/XX/2018 ... I also called the credit bureaus and disputed the account over the phone ....

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 2018-10-19 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: NY

Complaint narrative:
In XX/XX/2018, I received a summons from XXXX XXXX law firm regarding a XXXX XXXX credit card business account that had been closed with a remaining bance of {$2200.00}. I called the law firm on XX/XX/2018 and made a settlement agreement to pay {$700.00} in exchange for XXXX XXXX reporting the account with a {$0.00} balance. The call was legally recorded for sufficient evidence. I paid the {$700.00} in XX/XX/2018 and received paperwork from the firm stating the settlement was paid in full. XXXX XXXX changed the balance from {$2200.00} to {$1500.00}. The agreement was for a {$0.00} balance. I called XXXX XXXX and disputed the with all three credit bureaus without any success at almost 60 days beyond the satisfied agreement. I will upload documents and recorded call if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from GC Services, reference to City of   XXXX Taxes. Dated back to XXXX. After receiving several telephones calls I told GC that I do not owe this and Sent a certified on XX/XX/XXXX to validate the debt. I have not gotten a response as required by law. This debt is past the statute of limitations and is not collectable. This ompany is knpwn for violation the Fair debt Collection practices. 
XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
After contacting debt collector about settling a disputed debt, Agency sent me a letter in a different name that Im not known by, additionally the debt is over 10 years old. The agency claims that I still owe the debt which is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: KY

Complaint narrative:
In XX/XX/2018 XXXX XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXXXXXX  : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo foreclosed on my home in XXXX and had me evicted My house is XXXX pa on XXXX XXXX XXXXXXXX XXXX. In XXXX I called the XXXX sheriff Department and was told on the phone that there was no recording of a foreclosure or eviction I would like to know if Wells Fargo have any record of the eviction or foreclosure from the XXXX sheriffs department or if they could contact the XXXX courts to get me 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 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In XX/XX/2018 XXXX  XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.

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 2018-10-19 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In XX/XX/2018 XXXX  XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.

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 2018-10-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX XXXX XXXX  XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Tronsunion : 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 2018-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifex : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  Equifox : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Call log dates XX/XX/18 XX/XX/18 My loan was transferred to a new mortgage company less than a month after the closing Closed on XX/XX/18 Transferred on XX/XX/18 payments started with new mortgage XX/XX/18 my first payment was made to mortgage company I closed with - XXXX payment My credit report has 2 mortgage companies for the same loan amount. After multiple calls on XX/XX/XXXX & XX/XX/18 ( at least 6 call between both mortgage companies ) Shellpoint found the info that my loan was transferred however I now have a late payment for the month of XXXX on my credit report with Shellpoint after I was told there's a 60 day waiver. As of XX/XX/2018 my credit dropped -54 points for late payment that was made on time to the new mortgage company Loanserving. 

I Info was emailed to Shellpoint at XXXX and called in at XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation