vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice. 
a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me. 
I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me. 
b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy. 
c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate. 
Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall. 
d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days. 

I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDICO. INC
State: SD

Complaint narrative:
was making payments on a monthly basis. I included the last 3 months, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. If you see the dates the checks were written, and deposit data, some months when we wrote a check, the previous check hadn't even cleared our bank account yet. Turns it over to collection in XX/XX/XXXX. I may have made the bare minimum that we could afford, why except payments at all? There is absolutely no reason he turned it into collection. I was, and am violated, humiliated and harassed by his actions. See all the documents enclosed, check issued dates, deposit dates. Example, check # XXXX was issued XX/XX/XXXX and deposited XX/XX/XXXX. This happened numerous times in the year XX/XX/XXXX alone. Again, the humiliation was, and is very stressful, along with the harrassment I am now receiving from the collection agency. I was literally violated and embarrassed. I was making payments on a monthly basis and all of a sudden turns it over to the aggressive collection agency. See documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continue to stonewall and not answer my request for validation which is a violation of law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Regional Adjustment Bureau, Incorporated
State: GA

Complaint narrative:
XXXX XXXX has responded check XXXX for {$89.00} caused my account to overdraft. This was not a check but a debit card debit. XXXX allowed this debit on what was a closed account. I personally went to the bank and closed this account. I have tried in vain to resolve this but XXXX is unrelenting. Their employee failed to close my account appropriately and I as the customer is being forced to suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report number which is below. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX XXXX XXXXXXXX NC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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:
On XX/XX/2018, Equifax received appropriate proof of my identity ; copy of identity theft report ; the identification of the information ; and a statement that the information was not related to any transaction by consumer. On XX/XX/2018, Equifax sent a copy of the credit report dated XX/XX/2018, indicating that an Extended Fraud Alert was placed and that the file was blocked for promotional purposes. The information resulting from identity theft remained on the report. 

On XX/XX/2018, Equifax took my call regarding their liability for noncompliance with section 605B of the FCRA. XXXX, a manager in the fraud department, stated that Equifax did not accept the identity theft report because the account numbers were incomplete. The account numbers were truncated exactly how they appear on the Equifax credit report. XXXX also state that Equifax policy does not mirror the FCRA in regards to the four ( 4 ) business day period to block information resulting from identity theft. 

The fraudulent information remains on my report without notification or justification required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My complaint is against Navient reporting inaccurate information to the credit bureaus. The report dates are as follow : XX/XX/2015, XX/XX/2015, XX/XX/2015 XX/XX/2015 I was receiving XXXX XXXX  assistance at that time and I contacted the loan provider about this issue. I was later put on a forbearance, which I have incurred a lot of interest. I was not given information concerning, IBR until last year. These late reports are hindering me from acquiring a permeate home for myself and my kids. I would like for these dates to be removed from my credit report. I would also like an investigation done in regards to the interest that I have accumulated by being in deferment and forbearance,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I have disputed this account with company SEVERAL Times. This same account was removed from my credit reports on XX/XX/XXXX and XX/XX/XXXX. This company has yet again put this inaccurate and unverified account back on my credit report When I called the customer service rep was very nasty and rude and also told me the account was not coming up under my social security number. This collection agency needs to be banned from doing business because their tactics are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: PA

Complaint narrative:
Several years ago, there was a big intiative for lending club to incentivize people to bring over ira money and invest it in the peer to peer loans on the lendingclub platform. I agreed to roll about $ 20k from my XXXX ira into this account and invested it in notes. As the notes started to underperform and started to change the return from around 9 % to down to 2 %, I tried to take some money out of the platform. It was at this point that I was told it would cost {$25.00} to take any amount of money out of the account since wire transfer was the only way this could actually occur. Additionally, there's a {$200.00} charge to close the account. 

I've never heard of a fee to be able to close an ira account. Especially with this type of investment it's a problem because the money comes in over a XXXX year period in small increments. The money would have to come in there and sit for years before being able to move it into another investment. 

This was not sufficiently communicated to me prior to my agreement to roll it over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To Account Manager : XXXX XXXX. It has just come into our attention that attorney XXXX XXXX XXXX is Unauthorized to Practice Law ( UPL ) in Maryland and that XXXX XXXX XXXX has a Forfeited Existence since 2015. Also, XXXX without the XXXX does not exist in the Maryland Business Express Database.

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 2018-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
The lender is aware that I am XXXX in the military and they scheduled a sale date on my property. They have advised me that it should have never happened and they can not stop it now.

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 2018-05-01 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: TX

Complaint narrative:
This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

XXXX XXXX continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

XXXX XXXX provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.

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 2018-05-01 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:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX  and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor CAPITAL ONE BANK USA with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor CAPITAL ONE with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/2016 I voluntarily closed my account by walking in the Fifth Third Branch in XXXX Indiana. After the closure of the account I was reported to XXXX XXXX XXXX for mishandling of my checking account. I deposit a personal check from my other checking account, XXXX XXXX   into my Fifth third checking account. After a few hours I realized the check I deposited was from my old checking account which no longer was in use. I reported this to Fifth Third Bank after the incident and they continued to report me to XXXX XXXX XXXX with a false narrative. Under federal guidelines, this is illegal to a consumer. I'm asking with the help of Consumer Finanace bureau to have this information removed from my XXXX XXXX XXXX report. Thankyou.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I keep receiving bills from the Portfolio Recovery Associates, LLC about credit that was offered to me in the XXXX XXXX of XXXX, XXXX, New Jersey the medical services and dental services I informed that the charges was not submitted to Health Insurance providers which are XXXX XXXX and XXXX and States of New York Medicaid and that this company brought the debt from the bank with my medical history and did not ensure that Medical providers had mad they payment for the treatment I made services request for the to submit this to Health Insurance they informed the do not do that they only responsible is collect the debt with proper insuring that the agency have process the treat in the company billing system is this legal for XXXX XXXX and XXXX XXXX to sell my medical treatment services date and what I was treated for with proper submitting to Health Insurance and is it legal for banks to sell you credit information to collection agency the information share was medical and should have been protect by Privacy Act and XXXX XXXX should also been protect by Federal Regulations Laws for Privacy and sharing of Banking products and customer information is this legal and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations.

Company response to consumer: Closed with explanation