vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
OnXX/XX/2016, this debt for {$480.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XX/XX/2014 I received a line of credit from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying it. It became a charge off but it is definitely PAID off now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: FL

Complaint narrative:
I just had this wrongful debt of {$410.00} removed from my credit report from another agency. It was complaint # XXXX from XXXX XXXX XXXX XXXX XXXX. - they responded with their wrongdoing and apologized and had this debt removed. However. I C SOLUTIONS seems to have been sold the debt and it is now back on my credit report and I am receiving calls again. This has already been resolved and I would like this removed as it is negatively effecting my credit and once again receiving multiple calls and it is interrupting my entire life daily!!

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Under a prior investigation, Citibank reported that they could not accept payment to clear the Sears Card charge off that appears on my credit report. They acknowledge their total lack of customer service and egregious late fees of XXXX presented for a XXXX purchase. 

They merely refuse to assist and are advising me to standby for the negative reporting to evaporate. Please request the negative reporting removed. This account failed due to poor communication and exorbitant Citibank fees. 

Removing the chargeoff in recognition of my XXXX Government service status and otherwise commendable credit history would be a redeeming act for the villainous massive Corporation and would help me in performing a large consolidation putting me a step closer to meeting the financial requirements that my wifes terminal illness represents.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I have submitted in a complaint before and have provided the requested documentation in a addition have disputed these two accounts for two years. I have spoken to my XXXX XXXX XXXXXXXX XXXX insurance company I had at the time who has confirmed on multiple times that this debt was not ever sent to them as a bill. The insurance company has also sent XXXX XXXX a letter directly stating that any medical bills from XXXX need to be billed to them as they have gotten any bills from XXXX XXXX. With that being said, since this is in fact reporting in correctly I would like both accounts to be removed from my credit reports. I have one for XXXX dollars and XXXX dollars. I have also sent letters requesting for a in depth validation demand for two years now with no response as well. This issue is still and issue and I want it corrected as soon as possible. I have spoken to the XXXX XXXX XXXXXXXX XXXX and they advised that it is intact against my rights for these two items to be reflecting on my credit reports as I have coverage at the times of service and your company did not bill them.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
PennyMac my current mortgage servicer finally processed my request for mortgage modification. I've been working with XXXX XXXX with Penney Mac with the mortgage company for over a year and they have been difficult to work with and refuse to lower my monthly mortgage. The correspondence with my new modified mortgage payment is XXXX. My previous mortgage payment was {$1300.00}. I was also informed Penney Mac is making a private mortgage insurance claim for the delinquent payments in the amount of $ XXXX.I feel I'm being taken advantage of because you are making a mortgage claim and increasing mortgage my payments. The new payment is more than 31 % of my Gross income. If my payment is based on modification guidelines and my fixed income of {$3000.00} dollars a month, the payment would be {$900.00} monthly including taxes and insurance. I requested this modification because I'm on a fixed income of {$3000.00} and I'm XXXX. I'm also the sole XXXX for my XXXX XXXX father and my son was recently XXXX in a violent crime and was hospitalized for a extended period of time. My son had no health insurance so I'm his XXXX also until he is able to care for himself and I'm having to assist with his medical expenses and medicines. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called XXXX ext XXXX. I spoke with XXXX in the Department for garnishments. I advised here that the I never received any correspondence regarding it being closed. I was advised that XXXX was not included on the Judgement. Apparently there was an arbitrary charge form the apartment complex of over 2000.00. I asked how is the judgment line showing the entire balance when a little over 1400.00 was the amount I was ordered to pay. When I was initially contacted by the collection agency, I placed on notice and filed a CFPB complaint ( circa XX/XX/2015 ) asking for a itemized report of the additional charges after judgement was granted. 30 days has since past ( two years ) and never was validated. I have agreed to pay the XXXX ( court cost ) to close the judgement but will not pay the arbitrary charges post judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
The company started calling me claiming I had defaulted on a {$1000.00} bill about three years ago. I have also received 3-4 mailings from them over this period. In the initial call, I asked for the original nature of the debt. They did not respond, just asserted that I owed the money. I have sent two letters to the company asking for written documentation of the debt. I have received no response, but the phone calls continue at least weekly. They leave messages on my home and cell numbers multiple times a week. I have tried to talk to them asking for written proof of the debt, and again received no specifics or response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2018, this debt for {$400.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
Date of service for my husband ( I am the insured ) was XX/XX/XXXX. Debt was paid XX/XX/XXXX after our bank accounts were 100 % frozen ( in violation of New York Exempt Income Protection Act ). Satisfaction of judgment was issued from the debt collector 's office. Shortly thereafter we began to receive requests for further payment under same account number and also requests for different dollar amounts under a different account number. All were requests for same date of service that was already satisfied, along with threats of income execution. Voice mails that were left were never returned however one time we did call and speak to a XXXX XXXX who said he would send documentation. We responded in writing to each request being that supporting documentation did not indicate a second unpaid charge and in some cases documentation from hospital stated XXXX balance due from patient from that date of service. Our last communication to them in XX/XX/XXXX stated that we were disputing the debt and in XX/XX/XXXX we received the same document that they had sent multiple times along with a payment authorization we signed upon admittance to the hospital- still not indicative of a second charge from this date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 


US BKPT CT XXXX/XXXX BK CHPT XXXX  DISC

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 2018-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
My wife it called to make a payment and inquired about why could not access the account online to make payments was told needed an email address did that still could not access the account online so my wife set up for them to do auto-pay on the account have not heard anything until XX/XX/2018 from a debt collector and on my credit report shows it as being closedand late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I CONTACTED AMERICAN EXPRESS AND REPORTED FRAUD ON MY ACCOUNT. THEY TOLD ME THAT I DID DO BUSINESS WITH THIS COMPANY AND ACCUSED ME OF THIS TRANSACTION WHICH I DIDNT MAKE. THIS IS SENIOR CITIZEN ABUSE AND ITS NOT RIGHT THAT THEY DONT BACK THERE CLIENTS. THE CHARGE WAS PUT ON MY CARD ON XX/XX/16 FROM TIMESHARE XXXX XXXX-XXXX PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. " PUBLIC RECORD U.S. BANKRUPTCY COURT ''

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 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
On XX/XX/18 I was alerted to a change in my credit score, and that I now have two collection accounts showing on my credit by a company called XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX TX XXXX. ( XXXX ) XXXX ). These accounts are current, and not delinquent or in default in any way. 

The accounts in question are paid and serviced through a company called XXXX XXXX. 
I contacted XXXX, and they instructed me to contact XXXX XXXX, claiming that XXXX is reporting the status of the debt to them erroneously. After speaking with XXXX, it was clear to me that XXXX can not do anything about the reporting of the account, and that they had been dealing with calls all day from other clients regarding this same issue. XXXX is the company reporting to the credit agencies, so they have to fix the problem. 

According to the management at XXXX, XXXX is a collections agency, as well as a company that apparently owns debt that is current. However, because they are a collections agency, when they report debt that they own, it shows up as a collections account. Obviously, this can not continue. Further attempts to contact XXXX for resolution have gone nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
When I was XXXXyrs old my mom had me cosign a mortgage with her in XXXX. Years later she defaulted on her payments because she went on XXXX. In the process she was trying to get the loan modified, I put a quit claim deed on the house because I never lived in it as I was advised to do so by the company ( I live in XXXX  ). While the modification was getting approved Ocwen told her not to make the payments. I never signed modification, I never in my life made payments, the company will not speak to me being that I am not on the modification yet they have and are reporting Me to the credit bureaus and have ruined my chances of many loans including a VA Loan with my husband. I have hired several companies to help fix the issue, but they haven't had any luck. The modification strictly states that only my mother is listed as owner/responsible party. They need to remove the account from my credit or remove the late payments completely.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Miller, Stark, Klein and Associates
State: CA

Complaint narrative:
I received a threatening call from a guy who would not identify who he was that stated I owed XXXX over 700.00 and that he had a judgement against me. I do not nor have I ever to my knowledge owed this debt, if I did it would have been more than 11 years ago. I have an account with XXXX currently that has been in good standing for over 7 years. He would not let me talk, he had my date of birth, an address I lived at 10 years ago and the last 4 of my social security number. When I told him I do not owe this he started screaming at me that if I did not pay them today that they would garnish my wages and take me to court. He was very threatening, rude and hostile. When I told him they are a scam he hung up on me. I am very concerned that he has my dob and social. 
I called back and asked what the company name was and was told it is Miller, Stark, Klein & Associates. The girl then asked me if I had an account with them and when I said no she hung up on me. The phone number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

FEDERALDISTRICT/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