vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I received a Debt Collection Bill from Aspire Credit Card. I immediately spoke to a Representative and both verbally requested a Cease & Desist of further contact and emailed them a Cease & Desist Letter. The Rep said that they would comply and would not seek any further contact with me. 

In XX/XX/XXXX I get another Debt Collection Bill and I once again call Aspire and speak to a Rep. 
They said that this was a mistake and it would NOT happen again. 

In May I get another bill from Aspire and once again I talk to a REP and they mention that the Cease & Desist Letter was in effect as of XX/XX/XXXX ( XXXXXXXX XXXX XXXX? ). They also mentioned even though they received a Cease & Desist Letter that they will NOT stop sending Bills because I owe them money. The CSR, is off shore not located in America. I ask to speak to a Supervisor and they told me, one is not available. 

XX/XX/XXXX I still am getting Bills from Aspire and I end up texting them instead of calling. Once again I get an apology and that's it. 

In XXXX I get another bill and I have had enough!!! 

Enclosed please find copies of my original Cease & Desist Letter along with gifs of XXXX & XXXX bills. 

I am legally disabled in the State of Texas. I collect XXXX. I am judgement proof from any money demand law suits. They will NEVER collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This account to XXXX  telephone or XXXX  is not mine. I have made Multiples steps with transunion or XXXX  and do not want to remove it from the credit. When the account does not recognize it. 

THE ACCOUNT IS XXXX  TELEPHONE 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 2021-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
Today XX/XX/2021 A collections account from Fair Collections and Outsourcing Inc was added to my XXXX  credit report. This account is not mine and the fact that they just added an account to my credit report in itself is very alarming. I have no Knowledge of this account, I never received any letters or ledgers detailing that there is a debt owed from Fair collections and Outsourcing or the original creditor 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 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
We stayed at XXXX XXXX XXXX XXXX, paid {$92.00} on this CC back on XXXX. 
The cabin was horrific by every stretch of the imagination ( i have photos and videos showing the horror, not even a rat could stay in that cabin ). My husband XXXX XXXX called into try and place a claim ; they would not talk to him since the c/c was closed. Which is absurd, because we have processed many claims on this old c/c ( w/XXXX  etc ). But NO one would help us. 
I emailed Citibank directly asking for assistance on filing this claim ; haven't heard back from them. See attached email sent along w/the attachments on the email.

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 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
I am attempting to get an FHA home loan. The process has now been held up for a month because they are questioning one cash deposit that I made into my checking account. I've provided all the documentation showing where the cash came from and it is a small amount. All my documentation meets the standards that are listed in the FHA requirements. 

They are refusing to approve or deny, or tell me what the issue is so that I can provide documentation. Because of this, I can't move forward with my loan and I can't get my escrow deposit back. My family and I will be homeless in less than a week solely due to them refusing to make a decision one way or another over a {$2000.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
I was in my house when XXXX men showed up looking for XXXX XXXX. I told them that was my previous name. They made me sign a document and handed me a garnishmentletter. I was very shocked because I do not oweanyone anything under that name. I came to this country at the end of XXXX with a tourist visa and I was living with my cousin who supported me financially. I overstayed my visa whichwasonly good forXXXX months and I was illegalwith no work documents. I got married in XXXX to a XXXX citizen, and took his last name of XXXX and about 6 months later I obtained my work authorization and social security number and was valid to work so I got employed. All the loans I had were under thename of XXXX XXXX. I could not have had a prior loan because I did not have working paper and no job.To my surpriseI received the garnishmentpaper under the name of XXXX XXXX. Iresponded to the orderof show cause that I do not owe anyone and I do not know the people suing me. To my surprisethe court clerktold me that it was a judgement against me and that I also settled the case. I believe thatthey illegallyobtainthat judgement and are attempting to sue me.I have the right to be in court during the judgement.. I neverreceivedany court documentsand did not settle anything. XXXX XXXX and his lawyer sued me behind myback and I was not aware ofjudgement therefore they got a default judgement against me 19 years ago. I am living in the same apartment 23 years ago. I nevermoved. The court also toldme that someone requestedthecase archive XXXX which was not me. They wait until XXXX to start togarnish me. I contacted my XXXX local XXXX and was given a lawyer which I found out later he was not a debt lawyer when he started telling things that after searching on the web were not accurate. He advised me to settle and get over it. 
I settled a debt for {$2000.00} that I did not even owe.I don't even know these people. When the lawyer responded to my order of show cause it got even very strange with an account number and date that was not true. I requested an archive of the case from the court. I was told it would take time because the debt was XXXX XXXX XXXX. Now I asked for a satisfaction of judgement and my lawyer was not even able to get it from them. XXXX my lawyer stated that they claimed that I paid {$1900.00} I sent him the proof of the XXXX money orders of {$1000.00} each. My lawyer contacted them with the proof and he is still waiting. He provided me with proof of an email he sent to them .Please investigatethese people before they do the same thing to someone else. I believeI was scammed.I have a lot of things going in my life I want to get in the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is Transworld Systems. When I called the line it was some new company called XXXXXXXX XXXX XXXX XXXXXXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX  info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX and XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: DC

Complaint narrative:
My mortgage was in forbearance under the Cares Act but I took it out of forbearance and paid all payments due. I applied for a refinance with Discover Bank and was declined because they said my loan was reported as past due with missed payments. I never missed a payment on any debts in my life. How can I get this resolved so that no one reports that I have missed payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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 have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.

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 2021-07-24 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 have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : PORTFOLIO RECOVERY ASSOCIATES LLC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this FRAUDULENT ACCOUNT??

debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NE

Complaint narrative:
During COVID-19 Pandemic the above company closed my clients account because of a payment that got rejected by the bank due to the complaints job layoff and no pay that came in until he received unemployment. Since, that failed payment, the complainant has made all payments on time with no issues. The credit card company Fortiva was contacted about allowing the account to opened back up because of one single oversight due to the pandemic. They have declined to comment or say there is nothing they can do to the complainant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: MS

Complaint narrative:
My credit report shows a comment from lending point that states paid in full for less than agreed upon in my Experian credit report. The settlement agreement they signed states that they will only state paid in full on the credit report and that they will forgive the difference amount we agreed to settle with. I agreed to their terms and paid them the amount but after multiple attempts to get them to remove the comment they refuse to correct the statement. This has adversely affected my reporting status. Additionally they have a missed payment appearing when I missed NO payments. They claim that because the amount is less they can report this, but the payment was not LATE. It was on time and the account was supposed to be closed. This too is adversely affecting my credit. 

I want these items corrected AS AGREED UPON or I want my money refunded. Legal action needs to be taken against these predatory lenders at once.

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : DRS ( DYNAMIC RECOVERY SOLUTIONS ) XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USA Credit Solutions, Inc
State: TX

Complaint narrative:
USACS TEXTING ME FROM XXXX TO MY XXXX PHONE NUMBER TRYING TO COLLECT FROM XXXX A MEDICAL DEBT OF {$520.00}, THEN GIVING A DISCOUNT OF {$180.00} FOR A TOTAL OF {$330.00}, AND THEN CONTINUED TO SEND ME TEXT MESSAGES FOR {$520.00} FOR XXXX. I HAVE HAD THIS PHONE FOR SEVERAL YEARS NOW, THEY SHOULD HAVE CHECKED TO SEE IF XXXX STILL HAD THE SAME NUMBER. THEY VIOLATED THE FDCPA, TEXAS FINANCE CODE, AND THE TCPA.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-24 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: Total Card, Inc.
State: AR

Complaint narrative:
TOTAL IS FAILING TO UPDATE CREDIT REPORTS SHOULD BE PAID CHARGE OFF XXXX XXXX TO DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: AL

Complaint narrative:
I sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.

Company response to consumer: Closed with explanation