vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I contend that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressee unknown, knowingly and deliberately circumvent fair credit reporting laws to illegally collect on expired debt more than seven years old and continue to report these closed accounts as late payment to degrade my credit. It is my contention that these companies are buying and selling old debt that has expired. These companies attempt to collect on it by erroneously reporting to all three credit reporting agencies the debts are still active and viable by changing the dates of when the accounts were closed or not including the companies owed originally and by selling the old, expired debt. The new buyer of said debt uses deception by not reporting when debts last had proof or payment to the original account holder. XXXX XXXX XXXX does not list any of the original account holder 's information. It is unverifiable. The credit bureaus do not test nor verify the information provided to them, only report it. The result is multiple tradeline entries on my credit report for the same old, expired debt ( Midland Funding, XXXX XXXX XXXX XXXX and possibly XXXX XXXX XXXX XXXX Midland Funding sued me in court ( Crown Point, Indiana XXXX in XXXX over old debt, then removed it from my credit file. Midland Funding lied about what accounts they held. I have my old credit reports as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
The agent of this companny called DINAMIC RECOVERY SOLUTIONS, have called repeadetly fron a phone number from a individual person not associated to this companny and using a name of XXXX XXXX, have called many times even though after many times they have promissed to delete my number because of a mistake they did. This agent associated my last name with the one of another person and since they don`t have form of contact them is trying to get to them throu me, even after many times I have told them I don`t know such person they keep calling and promissing to delete my number. If you dont resolve this matter I think will be time to involve the courts since they are just abusing and don`t want to understand I have nothing to do with them and keep associating my name with a delincuent account that don`t correspond and I don`t have.

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 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
I used this company for a {$800.00} loan in XXXX. I signed up for the loan payments to be automatically withdrawn from my checking account. I did not check to see if the company was withdrawing payments. I received the " Notice of Right to Cure '' letter via email on XX/XX/XXXX. I have not received any other emails nor any letters mailed to my home. When I talked to the company representative, she said that several calls were made to my phone. I receive several calls a week from scam callers. I usually do not answer calls with unidentified phone numbers. She said that do not send physical mail. She also stated that they do not settle on debt. I requested a paper to show how what they say I was owed was calculated, she said that do not provide that information. It would be in my contract. I attempted to access my account with this company, but it only lists the phone number. I included the letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NOTICE OF RIGHT TO CURE Dear XXXX XXXX Notice Date :XX/XX/XXXX Credit Transaction Account No : XXXX Loan Contract Dated : XXXX XXXX is the LAST DAY FOR PAYMENT. 
{$3700.00} is the AMOUNT NOW DUE. 
{$0.00} is the amount of delinquency charges included in the AMOUNT NOW DUE. 

You are late in making your payment ( s ). If you pay the {$3700.00} on or before XXXX, you may continue with the contract and existing payment schedule. If you do not pay by the XXXX, we may exercise our rights under the law, including but not limited to, acceleration of the loan. 

If you have questions, please contact us at ( XXXX ) XXXX from Monday Friday XXXX XXXX to XXXX CST and Saturday - Sunday XXXX XXXX to XXXX XXXX CST. 

Balance Credit Team ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
In XXXX of XXXX, I cancelled XXXX and returned the recording box. I was charged for services I did not receive and for the box that I returned. Now, there are 2 debt collecting companies recording this debt falsley on my credit reports.

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 2017-11-06 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CO

Complaint narrative:
I have sent numerous correspondence to the XXXX XXXX and Transunion in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I  have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

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 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits 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 non-monetary relief
Consumer complaint received 2017-11-06 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:
I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: TX

Complaint narrative:
I have attempted numerous times and have disputed information pertaining to my equifax and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scott Lowery Law Office, P.C.
State: AL

Complaint narrative:
I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XXXX XXXX XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-11-06 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. 
PO number 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 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Have filed a complaint with CFPB already, case number XXXX. Cased was closed with no result. I have a cashed check from Transunion, who stated that there was no fee for minor freeze protection. All required paperwork was with the check.

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 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I cancelled XXXX in XX/XX/XXXX and sent back the box to them. After this date, I was charged for services that I did not receive and was charged for the box which I returned to them. Two debt collectors have reported this information incorrectly to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: AL

Complaint narrative:
I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

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 2017-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I HAVE BEN STRUGGLING WITH NAVIENT FOR ALMOST 2 YEARS IN TRYING TO GET MY STUDENT LOANS ( FORMERLY XXXX XXXX ) DISCHARGED THROUGH XXXX. 
ALL OF MY FEDERAL STUDENT LOANS HAVE BEEN DISCHARGED SINCE LAST YEAR AND NAVIENT IS VERY UNWILLING TO ASSIST ME, OR DO ANYTHING TO HELP MY FINANCIAL SITUATION. I AM LEGALLY XXXX THROUGH SOCIAL SECURITY AND HAVE A LETTER TO PROVE THAT BUT WHEN I GOT MARRIED IN XX/XX/2016, I LOST MY SSI BECAUSE OF THE MARRIAGE PENALTY ACT. 
CURRENTLY MY BROTHER WHO IS A CO-SIGNER ONLY ON MY LOANS IS STRUGGLING TO MAKE PAYMENTS ON THEM WHILE SOME HAVE DEFAULTED AND HAS CAUSED MY CREDIT TO SUFFER WHICH IS CAUSING ME GREAT STRESS AND XXXX AND EVEN WORSE, MY HEALTH IS DECLINING RAPIDLY DUE TO ALL OF THIS. 
NAVIENT IS UNPROFESSIONAL, UNCARING AND MOST OF THE TIME DOES NOT RESPOND OR RETURN CALLS OR GIVE YOU CORRECT INFORMATION. THEY WANT MY BROTHER TO KEEP PAYING BUT HE CA N'T AFFORD TO AND IS VERY UPSET THAT HE HAS HAD TO PAY SO MUCH IN THE PAST TO SAVE HIS CREDIT. MY XXXX ( XXXX XXXX XXXX- XXXX ) IS ONE OF ONLY 4 LISTED AS COMPASSIONATE FAST TRACK FOR BENEFITS BECAUSE OF ITS SEVERITY AND NAVIENT NEEDS TO ADDRESS MY ISSUES AND DISCHARGE THEM LIKE THE GOVERNMENT DID OVER A YEAR AGO. I CAN SEND MY XXXX LETTER BUT WILL NOT GIVE THEM EVERY PAGE OF MY MEDICAL HISTORY BECAUSE IT IS NONE OF THEIR BUSINESS WHAT I AM XXXX FROM AND IF THE SOCIAL ADMINISTRATION LETTER PROVING I AM XXXX IS N'T ENOUGH FOR THEM I WILL SUE THEM UNTIL I XXXX I AM SO ANGRY WITH THEM. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
this collections company is repeatedly calling myself family and friends all hours of the day threatening all involved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have sent several letters to LVNV Funding and sister company Resurgant Capital Service dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXrequesting validation that this is indeed my account. They have not responded to any of my letters sent Certified Mail, which I do have proof that they received it due to signatures. They have not provided me with any kind of validation bearing my handwritten signature or that I have any contract with them. I, therefore, request that this account be closed and removed from all 3 credit reporting agencies. I have given them an ample amount of time to verify this debt and they have not done so. If I do not get any kind of verification about this debt, I will proceed with a small claims action against their company up to {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've contacted every single month since XX/XX/XXXXto now and no one not even Wells Fargo Executive can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that Wells Fargo has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CRA - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, Capital One Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation