vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, 2014 its show 30-59 days late I traded my car in to XXXX XXXX XXXX in XXXX ,2014 and they made they paid my remaining balance off late I want it removed

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 2017-09-07 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: MA

Complaint narrative:
I had an open mortgage loan with XXXX XXXX XXXX XXXXFin Acct # XXXX reporting date XX/XX/XXXXand an open date XX/XX/XXXX. XXXX XXXX XXXX is reporting that I had a loan with them open dateXX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States?
I never had a mortgage with XXXX XXXX XXXX at no time in my entire life. I have enclosed my supporting documents to affirm the claim that XXXX XXXX XXXX repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. XXXX XXXX XXXX is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ).
I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit XXXX XXXX XXXX account should be removed from my Equifax credit report.
I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I keep getting these calls from XXXX and they never leave a message. So I looked them up and found it to be XXXX XXXX in XXXX XXXX, CA. I do NOT owe anyone anything. I have never been late on a bill in my life, my current bills ( which there are only three ) I have paid in excess of a year in advance. I have blocked their phone number and will not call them as any previous attempts to call such places who all seem to be looking for a " XXXX XXXX '' resulted in abusive service and continued calls. I am NOT XXXX XXXX and again, I owe NO ONE and I am NOT late on ANY bills. These calls must stop or I will have my lawyer involved and sue them for {$1500.00} per call as I understand is my right to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hunt & Henriques
State: CA

Complaint narrative:
The process server phone # is registered to Hunt & Henriques, see attached XXXX XXXX listing. It should be illegal to misrepresent using a process server that never existed and is in fact registered to them. 

Also highlighted is the name XXXX XXXX in their response, which is not me. 

I was NEVER served by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: NJ

Complaint narrative:
XXXX XXXX, XXXX its show XXXX days late I traded my car in to XXXX XXXX XXXX in XXXX XXXX and they made they paid my remaining balance off late I want it removed

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 2017-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with TransUnion, XXXX and XXXX credit bureaus. Over the last week XX/XX/17-XX/XX/17 it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( TransUnion, XXXX or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved

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 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: GA

Complaint narrative:
Closed XXXX account in XXXX 2016 after paying them for over two years on time and with no late payments. Received verbal and written confirmation that the account was paid in full and closed. Received final statement with XXXX amount due shown as XXXX. Two months later, XXXX sent me a bill with fraudulent charges claiming I had n't paid ; even after the account was closed with a XXXX balance. I called their customer service to dispute and received a very unprofessional response stating that they would not remove the charges and threatening collections. XXXX sent the charges to a debt collector which are now impacting my credit and financing costs. This is clearly consumer abuse, lack of business responsibility and lack of respect for consumers. The current system we have in this country is very slow to react to improper credit report abuse via credit reporting agencies that sleep on unprofessional credit reporting by companies like XXXX and debt collectors like Focus Receivables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I transfer some cash for the sum of XXXX to coinbase on XX/XX/XXXX On XX/XX/XXXXi received an email from coinbase saying they could not process the money because of the currency and they would return the funds back to my bank account within 2 days.
Today is XX/XX/XXXX and i havent received anything. I have written countless amount of emails to support, did not get any reply until XX/XX/XXXX, saying my money would be returned in several days, Still nothing! Please help me retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: FL

Complaint narrative:
Fedloan servicing {$1700.00}, {$4000.00}, {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 've been disputing a corporate account from my personal profile and XXXX not only did n't resolve it they also refusing to dispute it again although they 've been notified that it 's a corporate account and should not be on my 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 2017-09-07 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to XXXX Credit Bureau. This is my third time reporting this company. The company is Consumer Portofolio Services. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: GA

Complaint narrative:
I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to TransUnion Credit Bureau. This is my third time reporting this company. The company is XXXX XXXX XXXX. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.

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 2017-09-07 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, Equifax and XXXX credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, Equifax or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, XXXX and Experian credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, XXXX or Experian ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved

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 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The below acct has been settled long time ago with XXXX. 
Portfolio Recovery has been harassing me again for this debt. 

XX/XX/XXXX Authorization to XXXX XXXX XXXX, XXXX XXXX, NY, Completed Details - {$250.00} USD Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XX/XX/XXXX Authorized Amount : - {$250.00} USD Authorization Date : XX/XX/XXXX Time : XXXX PDT Status : Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Portfolio contact : XXXX XXXX Some company called XXXX sold this already settled Debt ... .all proofs attached. 
There is also another case XXXX with CFPB ... .keeps on sending notices ... 
This has been paid by XXXX debit ... ..snapshot available ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: IL

Complaint narrative:
Hi, I recently submitted a complaint with Equifax to report my credit card through XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They responded with the same information that they said previously which was to contact the credit union to have my credit card reported. Well, I 've done this with the credit union and they claimed to have reported the credit card to Equifax. I 'll include email confirmation from the credit union stating that they 've reported this information to Equifax. I ask that Equifax contact the credit union to make sure this is reported. I 'm also going to submit a complaint against the credit union providing the exact same information asking them to contact Equifax. I 'm tired of going back and forth between the two companies and each of them telling me to reach out to the other. I 'm not asking for a lot at all. I just simply want my credit card reported which I know will increase my credit score and all me to do other things that I desire with my credit. There needs to be communication between the two companies. I 've provided as much information as I possibly can at this point. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC
State: KY

Complaint narrative:
I have a car loan I paid on time for a full year and a half, I had to go on fmla from work for 3 months because my daughter was hospitalized resulting in me not getting paid for 3 months. The loan agency would not help in anyway for making lower payments but they let me making minimum payments every week of XXXX which is hard to do when you 're not getting paid but I managed. I went back to work and started catching up on the payments but I 'm currently still passed due because I 'm trying to catch up on the car payment and rent as well. I explained this all to the original lady that I was working with and the agreement was as long as I 'm making active payments they would not take the car. I 'm now having 3 different people contacting me via email and phone all at the same on regards to this account. They are not relying messages to each other. Today while I was on the phone with one collector I had the other person email me that he put my car up for repossession when the lady I was on the phone with reassured me that I was fine. I made a payment on the 4th of XXXX and today I had one email me that they need another payment immediately because they can no longer continue this way. It has n't even been 3 days since I made one payment and I had already scheduled a payment on the 4th as well for XXXX for the 15th which would then put my passed due payment at XXXX which is less then the monthly car note which is XXXX. Every week I get a message that I 'm on the verge of a repossession when I 'm making payments and staying in contact with them. I work XXXX to XXXX XXXX which is the time they try to contact me and I can not contact them back which I 've told them but if I do n't contact them right away they state they are putting my car for repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
ACCORDING TO MY CREDIT REPORT, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ( XXXX ) XXXX IS SHOWING A COLLECTION ON MY CREDIT REPORT FOR XXXX XXXX IN THE AMOUNT OF {$420.00}. IT SHOWS A DATE OF BEING OPENED ON XXXX XXXX, 2017 ( 4 mos ). COLLECTION AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA NOR ILLINOIS TO COLLECT DEBT. In Illinois, there is a state law that applies to debt collectors.225 Ill.Comp. Stat. 425/1 to 425/25. The statute is a licensing statute which means it requires the collector to be licensed to collect in Illinois. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DE

Complaint narrative:
To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
XXXX XXXX sold my XXXX XXXX XXXX without informing me of a sale date. They told me that they did not have to tell me who they sold the car to. I know that this is illegal. By law Inwas supposed to be given first choose to but the car. I want to rescind the loan and get my car back from the person they sold the car to.Title XXXX are crooks and they need to be exposed.

Company response to consumer: Closed with explanation