vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Hi. I filed a complaint against this company with Consumer Financial Protection Bureau back on XX/XX/XXXX and the case ID is XXXX and I said this : Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the XXXX   XXXX XXXX XXXX XXXX their license has been revoked/voided, on XX/XX/XXXX. All 3 credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XX/XX/XXXX, XXXX XXXX says XX/XX/XXXX/XX/XX/XXXX, and XXXX  XX/XX/XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XX/XX/XXXX, this is a re age of a account already posted for a delinquency year of XX/XX/XXXX. They added this to all 3 credit bureaus also, and I don't owe it, period. I contacted XXXX on XX/XX/XXXX and they removed 6 out of 7 collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XX/XX/XXXX.

Today, XX/XX/XXXX I received a notice from XXXX  that I have 2 collections back on my report from this fraud of a collection agency, which was suppose to be taken care of already, and removed last year. If this is not removed from my report, I will file a lawsuit as soon as possible over the matter. I am not playing this game with these people. I will also turn them into the state of Florida for collecting on a revoked license in this state, and also them into the state attorney generals office as well. This better NOT show up on the other 2 credit reporting agencies also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
I just ran my credit report for the first time last year and this is how I made the discovery that my identity had been compromised. I have filed a police report with the XXXX police department. You can contact the XXXX police department for verification. I have never lived at the address the creditors have listed on file nor was I living in XXXX al at the time of service.. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) collections department {$400.00} date opened : XX/XX/2017 account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
This has to do with a XXXX XXXX Credit card that was paid over 10 years ago when after it was with a different collection agency, and they are trying to collect after the legal time allowed. There are many complaints on this company. I called them and told them to stop contacting me and they said they would not. Portfolio Recovery Associates needs to stop this behaivor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient took my taxes for XXXX  to repay a Debt however in XXXX they did not touch my Taxes they did in XXXX. I was never notified of this occurring. Only when I didnt receive my taxes that i had to do my own research to find out where the money went. Also Im XXXXyears and a member of XXXX do i qualify for my taxes not to be touch. I also check on Navient web page, I logged in at it stated a XXXX balance. I feel that the student loan should not take all of money. I have a family to take care of. Also what is the statue of limitations on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: MT

Complaint narrative:
This company ( XXXX ) is representing XXXX XXXX schools and is using multiple collection agencies claiming that I have a bill under my name and I have never attended XXXX XXXX!!! They can not charge for services not given, there are many complaints against XXXX XXXX, this agency 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 2018-02-25 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: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
had a vehicle through Prestige Financial services. It was repossessed back in XX/XX/2011.I tried to fight the company in court because they knew the engine had been bunked when we first purchased it.Fast forward I got a garnishment. The whole time that I have had this garnishment this debt has been reported on my credit report as late. how is that when it automatically comes out of my check twice a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
On the XX/XX/2018 I made a purchase for XXXX on my discover card XXXX XXXX music which was declined and I then pay with cash .but the fund just disappears from the card. At one time the funds was showing on the account as pending and then its disappear but the funds are not on card. I called several times to discover and the merchant but nothing was being done. Every time funds just disappear from the account I called several time and talk to the supervisor and customer service and they are saying the the funds will show up the next business day, but no funds never show up on the account. I do hope someone could help me with this matter as soon as possible. I am sure There are many innocent people out there who are being rip off by this company and didnt knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!!

It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual 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 non-monetary relief
Consumer complaint received 2018-02-25 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: TX

Complaint narrative:
Please be aware the third party debt collector XXXX sold the account to found the account to be fraudulent. They have removed the items from my credit files, but XXXX has not taken the steps that are required by law to remove the account once it was found to be fraudulent. XXXX is violsting my rights. XXXX needs to remove the account from the credit companies they report to. I attached the third party debt collectors response to my complaint.

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 2018-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
See complaint ID : XXXX Continued attempts to collect a debt not owed. All previous debt collections agencies that XXXX XXXX has sent this debt to have discontinued contact. 

XXXX continues to have these debt collectors harass me.

CFPB, Credit reporting agencies have all decided in my favor. 

I want XXXX to tell me they are no longer going to purse this bogus " debt '' or I will pursue legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested Capital One to close my account on XX/XX/2018 because I have not been using the card for past two years and have been paying the yearly fee. 

Capital one solicitated to continue the account by reducing the annual fee to {$30.00}. I refused and requested them to close my account. Capital one agreed to close my account and waive the annual fee and late charges of XX/XX/2018. 

On XX/XX/2018, I noticed that Capital One reported me delinquent for XX/XX/XXXX on credit report. I called Capital One on XXXX to enquire about my request and was informed by customer service agent XXXX that due to coding error request was not properly submitted and she will resubmit the request but not close the account I have to call back after 5 days to confirm whether account has been closed. When I requested for a gaurantee to close my account I was not given a clear answer. After repeated request, she told me that I have to pay additional fines if I want to close the account including the late fee charges for additional month that had been accrued due to Capital Ones negligence in not submitting my request on XX/XX/2018. When I pressed further to close the account and by paying the amount but will complain to consumer court, she started reading a disclosure for my consent. It shows that Capital One is trying to delay the closure of account thereby charging additional fee and money to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, Bank of America process a mortgage payment without my consent or permission. I called and spoken to at least 5 Customer service representatives requesting the payment to be reverse. they agreed to reverse it. They then sent me an Affidavit form to complete and I did immediately On XX/XX/XXXX They charged my checking account $ XXXX.No warning, no communication. This is despite the fact they knew I had no fund available to cover it any charges. As a result, I ended up with so many unpaid transactions to my creditors ( via  Automatic bill pay ) i ended up with so many fees from both my bank for insufficient fund and from my creditors.Some of my creditors rush in decreasing my available line of credit and my credit report has suffered tremendously. 
Bank of America has acted illegitimately, unfairly and wilfully to place my account in a very absurd and negative rating.

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 2018-02-25 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: TCF NATIONAL BANK
State: GA

Complaint narrative:
The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

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 2018-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Check Recovery Bureau, Inc.
State: CA

Complaint narrative:
I spoke to XXXX XXXX from UC RB on XX/XX/XXXX after he left me a voice message on my cell phone. He told me there was a complaint filed against me to commence legal proceedings. He then requested I make payment arrangements to stop the processing, which I did. On Friday morning of XX/XX/XXXX, I received a phone call from XXXX XXXX at XXXX XXXX I was not able to answer and thought it was odd to call before XXXX XXXX. I then received another call at XXXX XXXX, but I was at work and not able to answer. XXXX XXXX left another voice message on my phone. 
I had my representative call to speak to him and got XXXX XXXX instead. He was told that he was in violation for calling before XXXX XXXX and XXXX XXXX wouldn't allow my Rep to speak, he would interrupt her and even started to use profanity. He was very rude and decided he didn't want to continue to speak to her so he discontinued the call while she was on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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 — Problem with personal statement of dispute
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Equifax. Equifax refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX, pulled XX/XX/XXXX and XXXX XXXX, pulled XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX, AND XXXX XXXX inquiries need to be removed from my credit file. 

Attached to this complaint you will find a verification letter from Equifax stating that they were authorized to submit my credit file to the following companies because " Inquiries are a factual record of file access? '' What does this mean? Also attached to this complaint is a letter from Equifax stating how they verify account information on my credit file. They stated that everything they use to verify is all electronic and no physical documentation is used for proof. This method creates an enablement of identity fraud and possible data breach. Both letters are attached to this complaint. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification.

I do not recall authorizing these inquiries and demand they be removed from my credit file from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting fraudulent account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: HI

Complaint narrative:
I have a cc with Capital One with a credit limit of {$3000.00}. On XX/XX/XXXX a minimum Capital One cc payment was due. I made a payment of {$1900.00} which they withdrew from my checking account on XX/XX/XXXX. On XX/XX/XXXX my cc was declined for a {$21.00} purchase. I looked up my account on the Capital One website and saw I was being charged a late fee and my cc wasn't credited the {$1900.00}. My cc balance was still {$280000.00} with only {$11.00} of credit remaining. 
I called Capital One customer service and got to speak with a manager, XXXX XXXX. He couldn't find any money that was sent to them, no record of any payments at all. He assured me that all account payments are electronically handled, there is no error. There is a problem. This has happened to me before in the past with Capital One. 
Isn't this called floating? 
XXXX XXXX assured me that all payments are posted and credited the next day, including Saturday. After stating this I asked XXXX XXXX, so where's my credit? Capital One took the money from my account on XX/XX/XXXX, why wasn't it posted on XX/XX/XXXX? He assured me it would post on XX/XX/XXXX. 
Isn't this floating? It's cheating. How many other peoples payments are being floated along with mine? Please stop Capital One from doing this again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Experian. Experian refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXXXX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX  XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX,  XXXX  XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. 

Therefore, the XXXX XXXX, ( four times ), XXXX   XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by Experian. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from Experian.

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 2018-02-25 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: TX

Complaint narrative:
XXXX  and transunion both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation tranunion XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on 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