vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Account Number : # XXXX / Kansas Counselors Inc. 

Reviewing my annual free credit report, Ive notice Kansas Counselors Inc. negative account on my credit report. I have never heard of this company, never signed a legal binding contract with Kansas Counselors Inc. or I have never received any documentation from Kansas Counselors Inc. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to Kansas Counselors Inc. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from Kansas Counselors Inc referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), Kansas Counselors Inc is NOT following guidelines of what constitutes proper debt validation. I have NO contract with Kansas Counselors Inc, I am not obligated to pay for the alleged debt, Kansas Counselors Inc is the reporting inaccurate information on my credit report. 
Im planning to apply for a VA mortgage loan, and Kansas Counselors Inc account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: AR

Complaint narrative:
ONCE AGAIN COLLECTOR TRYING TO COLLECT 2-3 DEBT DISCHARGED IN BANKRUPTCY XX/XX/2018 CASE NO.XXXX AND CALL US ON CELL 3-5 TIMES IN VIOLATION T.C.P..A. AND FDCPA. WE HAVE SCREEN SHOTS AND VOICE RECORDINGS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to Transunion, XXXX and XXXX with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. Transunion, XXXX and XXXX are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: AR

Complaint narrative:
PRINCE PARKER KEEPS CALLING MY CELL 13 TIMES AND HAVE 3 SCREEN SHOTS. THEY ARE CALLING FOR OTHERS. AND IS REPORTING ON OUR XXXX CREDIT REPORTS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: CA

Complaint narrative:
IC SYSTEMS INC account no.XXXX is appearing wrongfully on my XXXX and XXXX credit reports.I recently disputed the debt with XXXX  as not mine and it was " verified '' as mine within 2 days.During that time it also appeared on my XXXX report.The original creditor is XXXX.This is not my debt, I was not living at the address at the time they say I was delinquent.The debt is an error or belongs to someone else even if they used my ID.

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 2018-10-07 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: LA

Complaint narrative:
I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, XXXX and Equifax with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, XXXX and Equifax are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, Experian and XXXX with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, Experian and XXXX are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all 3 credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: GA

Complaint narrative:
I have two inaccurate XXXX accounts on my credit report that are destroying my credit score. Both of those accounts are not mine and should be deleted immediately from my report. 

I have sent multiple letters to all three credit bureaus and they refuse to delete both of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY EXPERIAN AND XXXX  CREDIT REPORTS. 
I disputed the account with Experian as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on XXXX as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!

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 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
After sending certified letters on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX they both were signed for by XXXX XXXX. Asking them for Validation not verification of the collection account they had on all three credit reports they have ignored my request for validation and provide any viable evidence or any biding contract with them or signature show as proof to validate this negative account after 31 day i check my credit report and they are reporting false and inaccurate information violating Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection not show dispute Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and sending letter after letter threatening to take legal action and calling and calling many times a day now they are suing me. 


XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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 — Investigation took more than 30 days
Company: JTM Capital Management, LLC
State: AR

Complaint narrative:
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX of Missouri XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to JTM Management, LLC on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to JTM Management on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to JTM Management on XX/XX/XXXX. I sent JTM Management a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is JTM Management LLC. I have enclosed a copy of the certified letter that was sent to JTM Management LLC on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now JTM Management. They received the letter on XX/XX/XXXX ... Well today is XXXX, XXXX XXXX and JTM Management has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... JTM Management needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. JTM had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IXXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY XXXX   AND TRANSUNION CREDIT REPORTS. 
I disputed the account with XXXX as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on Transunion as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!

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 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Due to a potential bug on Bank of Americas website, {$1100.00} were debited from my bank account on XX/XX/XXXX to make a payment towards my credit card account, which now has a negative balance of - {$1000.00}. 

Bank of America customer care has been giving me a hard time to get my own money back and has caused a lot of inconvenience to me. On XX/XX/XXXX, after talking with customer care for 29 minutes & 4 seconds, I was told that Id have to wait for XXXX business days before Bank of America would initiate a refund for {$1100.00}, which were automatically debited from my connected bank account. Obviously itd take a few more days for that amount to actually reach my bank account! 

On XX/XX/XXXX, I had made a purchase of {$1100.00} using my Bank of America credit card, which was in pending state, and didnt post, as the purchase wasnt finalized. The purchase details disappeared from the Bank of America website on XX/XX/XXXX, and instead, Bank of America debited my linked bank account for {$1100.00}, probably due to a bug in its online system! I requested several Bank of America customer care executives to report this bug, as it can possibly be reproduced by emulating such a ( unfinalized ) purchase. 
As of today ( XX/XX/XXXX ), Bank of America has temporarily disabled transactions on my credit card, and I wasnt even notified! So, first they withdrew funds from my bank account without my permission, and then they froze my credit card. After talking to Bank of America customer carXXXX on XX/XX/XXXX for XXXX minutes & 56 seconds, I was told that I cant make purchases using my credit card due to a huge negative balance, and they cant initiate a refund that amount to me before XX/XX/XXXX. 

Since Ive been asked to submit copies of my bank account statements to United States Citizenship & Immigration Services ( a federal government agency ) by XX/XX/XXXX, this mistake by Bank of America,  and its subsequent reluctance to acknowledge its mistake, has not only wasted a lot of my time, but has also caused other sorts of trouble for me.

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 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation letter and they received it on XX/XX/XXXX. They claim that they did an investigation into the debt after they received it on the XXXX and finished their investigation the same day. Which it surprises me that they were able to finish it so fast as they received the letter at XXXX and was able to finish their investigation and mail me a letter the same day. I asked for several things as allowed by law when concerning medical debt including Proof of acquisition of the alleged debt, proof of contractual assignment to collect alleged debt, authorization under subtitle D of the ARRA, Section 13401, Proof bearing the signature the alleged debtor wherein they agreed to pay the alleged creditor, and being this is a medical debt, a copy of the HIPPA authorization. I find it hard to believe this company keeps being able to get away with continuing to break the laws protecting consumers. I have read several complaints against this company and they never answer for what they are doing. In the letter I received in response they threw some doctors name on the paper and claim I had some medical services with this doctor which I have never had and the fact that if they are receiving patients private information and not being authorized to do so is a serious infraction against the hipaa laws set forth to protect patients. I have tried to validate this debt in the manner that I am suppose to do following the law and the law is continuing to be broke by this company. On another note this company reports that I supposedly seen a doctor on XX/XX/XXXX but claim this account was opened mXX/XX/XXXX which is 9 month before they claim I saw a doctor I do not even know how that is possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on AXX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap

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