vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I sent a letter to Receivables Performance Management ( RPM ) collection agency, requesting they ( RPM ) VALIDATE, not VERIFY a debt that they ( RPM ) is trying to collect from me. I specifically stated " Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I requested RPM to send me, in addition to a signed a signed agreement, the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM sent me a billing statement which does not, BY LAW, meet the requirements to validate a debt. RPM has reported delinquent information to the credit bureaus. I am requesting the delinquent information to be deleted from my credit reports immediately.

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 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
{$910.00} Account number : XXXX I had 3 accounts with this collections company dealing with this matter. The other two were removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus

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 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Went looking for a cheap car within our budget. Had no money for a down. Left the dealer satisfied and headed home and planned to move on. Phone rang a coupke miles away, said they would work with us. Turned and went to talk, was handed XXXX on the sly by a salesman. We didnt know what was happening. Took us to a back office with a girl who was rtying to get into my XXXX account and she was throwing millions of papers at us. We still had no idea what was going on. I had to go outside and was crying because if the pressure of her wanting in my personal bank account. I was confused when she said how much are u putting down! We said we told u nothing! We are a XXXX couple I have stage XXXX caner and my husband is a XXXX XXXX. We have a fixed income. She said NO ... .YOU ARE PUTTING XXXX DOWN.???? IM CRYING, MY HUSBAD IS CONFUSED AND THEY say take it home and see how u like it. We did ... calmed down and calked the next day and told them we couldnt afford it and sure wouldnt pay over XXXX for a XXXX used XXXX with no extras even if we could afford it. The dealership said its out of there hands.. Call the finance co. Which we did immediately. We told them the story, asked them to please come get it or we would take it back to XXXX if they wanted. After almost a month they came and got it and by the way they couldnt even start it to move it. The finance co. Said it would be sold at auction and we would have to pay the remainder. Now as you see, we were lied to, pressured, the XXXX produced a fraudulent loan with money they used from them for down and Our credit is screwed, and someway today the finance co. Fraudulently tried to withdraw almost XXXX from my husbands XXXX XXXX account. Please help us and help stop them from doing this to others. 
CarSmart ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX If you need any more information please let us know. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX 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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX I got an offer from U.S. Bank to open a checking account and get the promotional bonus of {$200.00} after I make the monthly direct deposits. 
So I applied for the GOLD checking account and did enter this promotional code XXXX on my application on XX/XX/XXXX as required. 
Moreover, their rep called me several days later to check on some details, and she confirmed this account would be eligible for the promotional bonus promised. 

However, after I had met all requirements, they declined the bonus as they allegedly could not find this promotional code on my application.

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 monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.

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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
went to use my atm card and was denied went to bank and said they closed the account .i asked why no one knows i have little over {$600.00} in my account and i can not take it out i had this account for monts never had a problem .they closed the account so i need my money thank u 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 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got this card in XX/XX/XXXX. It's been so long since I used it, I can't tell you what it is I'm paying on, nor have I been using credit cards of any kinds besides store credit cards. I called sometime last week to see what it is that I'm sending in payments for since I don't use the card. I was told what I'm paying is interest. I did a balance transfer in XX/XX/XXXX for $XXXX. That made my balance $XXXX. I've been paying more than the minimum amount and I even send in extra. The minimum payment is about $59 now. I have been sending $XXXX a month PLUS $XXXX EVERY WEEK for the last month or more AS WELL AS my checks from my part time job. From XX/XX/XXXX up until XX/XX/XXXX, I've been paying anywhere from $XXXX to almost $600 more than the minimum payment. My interest rate is 10.99% but yet my balance just recently went below $3200. My payments are also on time and never late. When I called the company, I called 3 times to see if they could reduce the debt so I could pay it off and my request was denied. If I haven't used the card, how in the hell can I still be paying interest? The dates that I called were: XX/XX/XXXX (twice),  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Received an update credit report, no changes nor response to why.

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 2018-01-20 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: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I initiated a CFPB case involving several challenges with Nationstar mortgage company and their practices. The issues that I communicated were eventually resolved ONLY after contacting CFPB. The mortgage company did admit to several errors on their part and fixed the multiple issues to my satisfaction. Due to the complexity and longevity of the issues with the mortgage company, I waited for the dust to settle before I contacted them back to align them fixing the errors with fixing my credit report that still contained incorrect data from their errors. The letter that they sent me on XX/XX/XXXX spelled out the months ( XX/XX/XXXX - XX/XX/XXXX ) where the error occurred and timeframe that this issue was active. Since then, I have contacted them and requested that they update my credit report for the duration that I 've had to deal with this issue and they have n't done so to date. For reference, the initial CFPB case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Convergys
State: NC

Complaint narrative:
The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Received an update credit report, no changes nor response to why.

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 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Received an update credit report, no changes nor response to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have credit inquiries on my report that I dis not consent to that I need to be removed from my credit report ... my Wallet was stolen and someone has been applying for things in my name so they do have my information but it was not me please delete these Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
ON XX/XX/XXXX I PURCHASED FROM MY BANK OF 30+ YEARS THREE CASHIERS CHECKS IN AMOUNTS OF {$5000.00}, {$10000.00}, AND {$15000.00}. IN THE FALL OF XXXX I HAD OCCASION TO USE THE CHECKS BUT COULD NOT FIND THEM. I INFORMED THE BANK AND THEY PLACED STOP PAYMENTS OF THE CHECKS, TELLING ME THAT I WOULD NEED TO WAIT FOR A WHILE BEFORE RE-ISSUANCE COULD BE MADE. I ACKNOWLEDGED THAT CAVEAT AND CARRIED ON WITH MY LIFE, EVENTUALLY FORGETTING COMPLETELY ABOUT THE LOST CHECKS. IN XXXX I CHANGED OUT THE INSERT OF MY LEATHER BOUND PHONE BOOK AND FOUND THE ORIGINAL CHECKS WITH THE CARBON COPIES TUCKED IN THE COVER. I BROUGHT THE CHECKS TO MY BRANCH WHERE THEY EXPRESSED SYMPATHY, FOUND THE STOP PAYMENT ORDER, AND ADVISED THEY WOULD TAKE CARE OF THE MATTER AS SOON AS POSSIBLE. AFTER MONTHS OF NO RESOLUTION. I WROTE A LETTER TO BANK PRESIDENT WHO REPLIED THAT " SINCE WE ARE UNABLE TO VERIFY THE DISPOSITION OF THESE ITEMS, WE MUST DECLINE YOUR REQUEST FOR REIMBURSEMENT. '' I HAVE THE THREE CHECKS IN MY POSSESSION TODAY. THANKS IN ADVANCE FOR ANY ASSISTANCE YOU MAY RENDER IN CORRECTING THE OUTRAGEOUS FAILURE OF MY BANK TO RETURN MY FUNDS.

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 2018-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX  report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I originated a wire transfer on XX/XX/XXXX to a company called Coinbase to invest the money in cryptocurrency. I followed the exact instructions and wired {$4000.00} from my checking account to my Coinbase account. I confirmed with my bank that the wire was completed and also called the recipient bank XXXX XXXX XXXX who also acknowledged receipt of the wire on the XX/XX/XXXX.

As of today, XX/XX/XXXX, the money has not been credited to my account and all inquiries go unanswered. I have attached the wire information for your information : The wire originated from XXXX XXXX XXXX XXXX Transit Routing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX Confirmation Number XXXX From Account XXXX To Account XXXX Wire Processing Date XX/XX/XXXX Wire Submitted Date XX/XX/XXXX Amount {$4000.00} Receiving Bank Name and ABA Number XXXX XXXX XXXX, XXXX Beneficiary Name and Account Coinbase, XXXX XXXX ( Additional Notes ) XXXX Status Completed XXXX  XXXX Please find the address that I could locate for Coinbase : ( XXXX ) XXXX Coinbase, Inc 5 years in business XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Sadly, it seems that I am not the only Coinbase victim and I have read multiple posts from people experiencing the same issues.

Company response to consumer: Closed with explanation