vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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: FL

Complaint narrative:
Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ceannate
State: FL

Complaint narrative:
I am being help accountable for a {$2300.00} debt from XXXX University. A company by the name of FMS has been contacting me, even after i explained that i do not owe the school that money. I had a class at XXXX and was able to drop it before the cutoff date in order to received a full refund. My class was never {$2300.00} so i dont even understand where that number is coming from. I have email confirmation that the company approved the refund.. so i do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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:
The following accounts are on my credit report but do not belong to me : XXXX XXXX XXXX XXXX XXXX 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 2018-09-14 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: GA

Complaint narrative:
The following accounts are on my credit report but do not belong to me : XXXX XXXX XXXX XXXX XXXX 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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Credit card 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: TX

Complaint narrative:
12 years ago we had acredit card debt with chase and when the rate increased we couldnt afford monthly payment.XXXX sold the debt to mcm and XX/XX/XXXX file judgement against us. On XX/XX/XXXX on bank accounts were frozen with no warning the debt was for XXXX XXXX XXXX XXXX put holds of {$22000.00} and XXXX we had a balance of XXXX. In the account. Have been to XXXX XXXX XXXX to have them Pay the debt mcm said that they will not take more than what we owe. Another trip to XXXX now says sent {$8200.00} to release our account. We had no way to get money. XXXX will not explain why they sent XXXX more than what we owe. We have received no breakdown of funds they just took our extra money. Very sad that a bank will take extra money with no explanation. No way to get medecine and mcm said the bank could keep this frozen for 4 months.This money was for a funeral for my brother in law XX/XX/XXXX. Now mcm is threatening more accounts that we have not received any documentation for. Is this how XXXX and mcm treats s sr citizen. We would appreciate the help. These are unsecured debt from over 10 years ago. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Have issues with Wells Fargo in the past and I never liked the XXXX XXXX XXXX sold my mortgage to them years ago. I never trust Wells Fargo. I never had issues with XXXX XXXX XXXX even though there has been some talk about them. If I could I would like XXXX XXXX XXXX take care of my Mortgage or if Wells Fargo has been cheating on my Mortgage I want my Mortgage Closed. 


XXXX XXXX XXXX XXXX XXXX  XXXX 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 2018-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert from the 3 Credit Bureaus advising that my Capital One Auto loan is 30 days past due. This is incorrect and I want it removed ASAP. Ive had my car since XX/XX/XXXX and never been late. This information thats being reported on my credit report is incorrect. Im very upset and frustrated because my score has dropped tremendously from this incorrect information. I contact Capital One Auto on XX/XX/XXXX and a representative stated that she would dispute it. I have documentation that my car payment has never been 30 days past due and my account doesnt show that Ive ever been 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.

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 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Recovery Service, Inc.
State: OR

Complaint narrative:
We received a letter dated XX/XX/2018 from Interstate Recovery Service,  NC. They claimed that they were trying to collect a debt for a company called XXXX 'XXXX XXXX in the amount of {$1400.00}. We have never ordered magazines from this company and we certainly would not have ordered {$1400.00} worth. We looked up Interstate on-line and the comments was that this is a fraudulent company. We would like you to investigate them.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Student Aid (USA) Funds
State: NJ

Complaint narrative:
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau, as I have already proven that USA Funds is using another scam on a debt collection process that has already been beaten in federal court against XXXX. The student loans were all procured well before 2005, and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally USA Funds were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named XXXX XXXX. Now USA Funds plays a musical chair approach by seeing if they can slip in another wage garnishment and they are trying the administrative garnishment process again. This is not only illegal, but this company did a hearing request where I would have to travel out of state to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey. USA FUNDS is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period. 
I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed XXXX XXXX. This false administrative collection process is what got XXXX fired by the United States Department of Education as a sanctioned debt collector, and USA FUNDS has no authority from any federal agency to collect on behalf of the taxpayers of the United States. USA FUNDS is not even legally bonded or licensed to do business in the state of New Jersey.

I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY USA FUNDS.

USA FUNDS IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST USA FUNDS ILLEGAL COLLECTION PRACTICES!!!

USA FUNDS MUST PURGE MY FILE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: OK

Complaint narrative:
I recently pulled my credit reports in preparation for going through the process of a XXXX XXXX background clearance with a military special operations unit. On XXXX, XXXX, and XXXX I found a collections account dated XX/XX/2018 for a debt I do not own, and have no knowledge of. It is a rather small amount, but since it is not mine, I am unwilling to pay it out of principal. 

I disputed the report with XXXX, XXXX, and XXXX directly. The collections company responded to the disputes back to the Bureaus that it was my debt. I also sent collections company a certified letter directly to their mailing address, signature required, requesting they validate the debt within the time require by law ; the collection agency did not respond to me, or validate the debt. They have recently reported to the credit bureaus, " Account information disputed by consumer, meets FCRA requirements. '' My name is a common one and there are several individuals in this state, and indeed in my very town, that have had problems and are in many court records for debts. The collections company claims I owe a utility bill. However, I was overseas, and did not have any utilities in the state for several years. Further, when I was in the state our utilities were in my spouse 's name, then in a tenants name the entire period we were overseas, then again in my spouse 's name upon our return -- never mine. I have no contracts with the company the collections company claims I owe, and never used my name to open any. I even sent a letter to the utility company in-question asking for them to validate the debt ; they have not responded either. The fact that neither company has attempted to contact me personally, when they should have the very address I live at and supposedly had an account for, is irony at its best. The fact they won't return my requests, is contemptuous and a flagrant disregard for the law. 

Please note I can provide copies of my passport that clearly shows I have been out of the country for many years, and only recently returned to the United States on a part time basis. 

I have no problem paying for a debt I owe ; I do not owe this debt. I am very much opposed to tactics like this, and how companies can get away with it. Further, this has a direct impact on my XXXX XXXX. In many cases, the expeditious thing would be to pay it. Morally, I can not do that. Thus, for that reason, I will pursue this aggressively. 

The agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I received a phone call on XX/XX/XXXX from a so called Eastern Account Systems. They stated u had an accou t with XXXX that went to collection. I asked them to send in writing to validate the debt they were charging me with and they said that they couldnt discuss my account then. Now this so called company reported to my XXXX report the mentionrd debt that they didnt want to send any type of documentation on by mail or discussed it o er the phone because i refused to give them my social security number o er the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX charged me after I cancelled renters policy due to them not handling my policy billing delivery correctly and for difficulty in obtaining assistance. I received a notice stating 3rd request when I had never received any. I paid the {$26.00} regardless and now have received a collections notice. I tried to speak to both collection agency and XXXX and although XXXX admits to payment in full, as it is recorded, they will not remove from collections and collection company will not either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with ( XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX  and XXXX ) and ( XXXX XXXX XXXX  XXXX XXXX ) with no successful resolution.There was definitely an error on their part. I was never 30 days late ( XX/XX/2017 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
The Thomas Agency Inc. did not forward information to the updated address of my company listed with the State of Maine. Instead, they knowingly used unverified information to send sensitive financial information to a previous address that is not associated with my business and was never contact information provided to them by myself or the company attempting to collect. 

The Thomas Agency Inc., upon being confronted over the telephone with this fact on XX/XX/2018, maintained forcefully that they are not obliged to verify the information they obtain and that they are free to send my company information to whomever they wish. 

My company 's address is up-to-date with with the Maine State business registry and on it's official web site. The information The Thomas Agency Inc. willfully used was provided to them by XXXX, a data aggregation and sales company that holds no license or accreditation. 

I requested that they only send information to the updated address, available freely on official registries and provided directly by me. They threatened me by telling me they were free to send my information to whomever they please and would continue to do so, citing that the account is a corporate account and not a personal account. 

As an agent connected to the original company requesting debt collection, XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated there Privacy Policy.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO

Complaint narrative:
I received a personal loan for {$300.00}. The company received the first payment by automatic withdrawal. Due to other companies trying to get money from my bank account, I had to close the account and report identity theft. I notified the company as to what occurred and agreed to pay the balance of approximately {$220.00}. in ( 2 ) payments of {$110.00} estimate. I considered it to be fine, but the next thing I know, I'm being sued for ( 4 ) times the amount owed. It now stands at {$930.00}. The company ( Wharthog Ventures LLC ) received a default judgment, knowing full well that I was not going to be able to make it to XXXX, Idaho. I'm quite sure they have managed to do this to many consumers. I wrote to you several months ago and never heard back from you. Please assist me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: IL

Complaint narrative:
as directed by the federal law, local law enforcement and the FTC, I submitted my complete identity theft file to transition and their response to me by mail was that they declined it due to it being made in error, ( which it was not an error ), a misrepresentation of facts ( the facts are clear and I will attach them again, which included my tax returns showing my actual address at the time of the account creation ) or obtained goods or services, ( which I have not ),

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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.

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