vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Security Credit Services is stating they purchased a debt from a company called XXXX XXXX XXXX XXXX. Attempted to explain original creditor is XXXX. Security Credit services stated they are the same company but operate under a diffrent name. I asked them to provide a document that I signed but they said they couldnt do that unless I was starting a fraud investigation. Told them my uncle is an attorney and he stated under section 623 the debt collector and original creditor has to provide valid proof of said debt. 

I want to see a signed copy of the contract That shows my signature. Not a billing statement or any computed generated form. 
A signed documents with proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
XX/XX/XXXX I purchased 2 tickets from a seller on XXXX. The seller called me and texted me all the details for payment. I paid through PayPal using my bank account but Paypal will not dispute the transaction because it was not sent " goods or services '' I'm not sure why it went through PayPal that way. I received the tickets via XXXX  and upon arrival at the concert the tickets would not scan. Customer service at the concert informed me that the tickets were flagged in the system for fraudulent activity. Subsequent calls and texts to the seller went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ABILITY RECOVERY SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from ABILITY RECOVERY SERVICES LLC. I am not responsible for this debt with ABILITY RECOVERY SERVICES LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

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 2019-06-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KS

Complaint narrative:
XXXX third party utility company billed me twice with electric charges and I was being billed by the electric company as well. They sent it collections to XXXX  for {$570.00} the amount is incorrect. I ask to update my bill so I can pay it they just sent it to collections

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 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX portfolio recovery called my work and told 2 of my asst manager that i was being sued and that they were coming by my work to have a cop bring me a subpoena and then again they called again on the XXXX and told my main manager the same thing and they are constantly calling every day on my cell phone I only work 20 hrs every 2 weeks and my hrs are getting cut because of them calling and taking up their time and its very embarrassing when they bring me aside to tell me about the phone call from them and I have XXXX XXXX which triggers my XXXX and makes it harder for me to work when I'm worried about them calling my job

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following  accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

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 2019-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan Servicing refuses to accurately calculate the number of qualifying payments I have made toward Public Service Loan Forgiveness. I sent in my most recent Employment Certification Form on XX/XX/2019. Based on that ECF, I have made 80 qualifying payments. FedLoan says I have only made 79 qualifying payments. The discrepancy is because FedLoan automatically ( NOT at my request ) places me in forbearance every XXXX when it re-calculates my income-based repayments for the coming year. When in forbearance, any payment I made during that time is not counted toward PSLF. I have brought this to FedLoan 's attention repeatedly. This is an easy fix. Instead, FedLoan miscalculates ( intentionally, in my opinion ) the number of PSLF payments. The effect is delayed forgiveness. I can only assume that FedLoan is aware of this and it purposefully doing this to add to its books. It's time for Congress to step in and remove FedLoan from the handling of PSLF loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
For over the past few months I have been trying to access my Equifax credit report on their site. I even tried to pay for the equifax premier service but kept on getting error message to call. I just called in XXXX/XXXX/2019 and was on the phone over an hour and transferred XXXX times yet no one can tell me what is going on. I can not recieve my free credit report due to an adverse action I had. I only have this problem with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
In regard 's with the Loan with Time Finance Company, I've had issue with balance and the amount due. Current I was paying {$250.00} a month, until I was late one payment that was due on XXXX of the Month. I reach out to the company and I've had rude customer service with XXXX and XXXX from the company. I've asked for the pay off of my vehicle and I was denied to know the remaining balance. I was told in order to know the pay off balance I would need to pay off the past due balance. I've received their statement and every statement did not reflect the balance, past due, or total due. I would received 4 bills in the same month which had different amounts ranging from {$65.00} to {$340.00}. I called Time Finance and was explain once it past due they don't sent the statement with the balance. Which I have never heard of such a thing, I was explain they send 15 days past due, 30 days past due and 90 days past due. Which the bill did not display. Furthermore, I was harassed that my vehicle was going to be reposed due to 24 days past due, which they are oblique by law to send a notice of repossession of the vehicle which I never receive the letter. I've called many times, to negotiate a compromise but I get are people who threaten and act unprofessional. Time Finance needs to close their business or make changes.

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 2019-06-24 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: FL

Complaint narrative:
*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

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 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Keep getting repeated robot calls from this company, Convergent, all hours of day and night. The problem is that I am not XXXX?? and do not have any bad debt.. My FICO score is XXXX and no bad credit on my file for over 30 years. The calls keep asking for a XXXX?? ( can not spell the last name ). I have called them and asked them to remove my name from call list as there is no XXXX?? at this number. They promise to do so, but calls continue. Latest call was this morning at XXXX XXXX. The number that called was from XXXX, but called ID states it is from Convergent. I have also gone to their web site and filled out the form to stop the calls, but they continue this harassment. Wish the CFPB could help me.

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 2019-06-24 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from 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 2019-06-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, I noticed fraudulent charges totaling approximately {$1000.00} on my 5/3 checking account. I alerted them and instead of closing/freezing the account immediately, they opened a new account, for which I denied a debit card because at the completion of the fraud investigation, I was intending to close all accounts with 5/3. The fraudulent charges were moved to the new account so that when the investigation was complete, they could refund me the roughly {$1000.00}. Their investigation indicated that the charges were in fact fraudulent charges and 5/3 refunded the charges to the new account in XX/XX/XXXX. I noticed that the initial account with the fraudulent charges incurred interest fees totaling {$1.00}. I called the bank and they adjusted the charges, acknowledging that they accrued in error and I would not be responsible for them. In XX/XX/XXXX, I received a notification from my credit monitoring company that my XXXX XXXX had dropped due to derogatory remarks due to a late payment of more than 110+ days. When I opened my credit report, I noticed that the charges were coming from 5/3, and that they had never submitted the proper paperwork to adjust the fees and have the incident removed from my credit report, as it was not a mistake or late payment on my part. I called 5/3 Bank immediately and spoke to the highest person I could get in contact with and was assured that they would submit the paperwork to have the error removed from my credit report immediately. In XX/XX/XXXX, a potential home lender pulled my credit report and enquired about the delinquencies. The errors are still appearing on my credit report. I need these to be removed so that my husband and I may receive the home loan for which we qualify for otherwise. 5/3 Bank has not attempted to remedy this, and I have filed two disputes in XX/XX/XXXX, XXXX with XXXX and one with Fifth Third 's Dispute Department, in addition to filing a dispute orally with the bank. One dispute that was filed n XX/XX/XXXX indicated that there was no error and my credit report would stay as is. I immediately filed an investigation and submitted an 8 page narrative along with bank statements as evidence that the error was made on 5/3 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Americollect Inc stating that they are reporting on my credit report a debt that I do not owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. The company stated they can't update my records reflecting that I do not owe this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: WA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 )  bureaus. ( Please see pages 8 and 9 of the attached credit report. This incorrect reporting is harming my credit score. Please remove these line items from 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 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Regional Processing Services
State: NV

Complaint narrative:
I received a voicemail from a company that did not identify themselves with the following message, my Scam call program on my phone attempted to stop the call but it got through. 

This XXXX contacting you in regards to your case that's in the process of being filed through XXXX County by law I do have to make you aware that once case number XXXX is filed it will become a matter of public record and there will be an order for your location you do have the legal right to contact the proceedings office that processing your case however you would have to speak with them before your case has been filed. your case will discharge from their office all available right will be forfeit the number provided for that office is XXXX and off the states hear that you're going to need to speak with their legal department you have been legally notified by phone. 

I called back the number and they did have my name and social security number. When i asked what this is concerning they stated i had a debt with XXXX XXXX which is true, but the amount is way higher than what I owe. They stated that they had two cases, one for non-payment and one for an attempt to defraud a financial institution. I asked them for their address, business licence and the debt collection company that the debt was sold too. They would not provide ANY information and refused to send a Debt Verification Letter and said i would be served lawsuit at work. 

I called XXXX and the Debt was not sold to this company who identified themselves as XXXX XXXX XXXX in XXXX, CA. with the following address XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. They are very threatening and refuse to give me Business information so I can verify that they are a real company with authority to collect a debt. They would not. They also would not advise me of my rights during any calls. 

I have researched this company and the address is not a physical address, they have many complaints on XXXX  and have been flagged as a scam.

Company response to consumer: Untimely response