vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have called them to dispute the date listed on the debt. It is listed as XX/XX/XXXX when the account was closed in XX/XX/XXXX. Each time I call them to dispute this amount and force them to confirm they own the debt by providing the original bill they hang up on me instantly. This has happened mutilple times and becasue they refuse to provide documentation I want this amount removed from my credit report and for an investigation to begin into the company.

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
We

received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused.

She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. 

She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-14 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX and XXXX  wells fargo student loans. They have marked me down for a 60 and 30 day late when this was reported incorrectly. I talked with the agent back in 2013 but was not successful. The loan was paid off and they still reported it 60 day and 30 late. This is very incorrect information. 

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 2018-03-14 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: NY

Complaint narrative:
XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: AL

Complaint narrative:
I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

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 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A company named XXXX XXXX, XXXX has been contacting me for over a year, and will not cease telephone calls, despite my requests to do so. 

I do not owe this debt. 

I have no knowledge of this company, nor have I ever dealt with a company of that name.

They call me from different telephone numbers from XXXX XXXX. and throughout the day.

When I ask for contact information or written response, they hang up.

I have {$0.00} debt and all my accounts are in good standing.

This company has reported to the credit agencies and affected my good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2016 I revcieve and Inquires that I did not authorized.

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 2018-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.

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 2018-03-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the EXPERIAN on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

EXPERIAN has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date EXPERIAN has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, EXPERIAN continues to knowingly publish false information about me for others to view. 
I know Im just a little guy. What can I do to get this large company to follow the law?

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 2018-03-14 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
In XXXX, XXXX XXXX XXXX purchased a bad debt from XXXX./XXXX-XXXX, originally opened in XX/XX/XXXX. At the time, they sent a letter which I can include as evidence, that they had purchased this account. I explained to them and provided them with evidence that this had been paid in full per a settlement agreement from XXXX, which allowed them to deduct {$65.00} per month from my banking account. They deducted this and never credited my account with one payment. In fact, they collected well over the {$270.00} amount they had offered to settle for if I made payments. They actually collected {$450.00} before I realized they were still collecting. They never credited my account or paid it back. But the debt was paid in full at that point. 

When XXXX XXXX XXXX purchased the debt, I sent them copies of the bank drafts proving they had deducted the funds. I sent them a copy of the settlement letter and even the man 's name who created the agreement over the phone. They acted as if I'd never contacted them and they have ignored me the same way ever since. 

I have disputed this charge, the date of inception and continually, neither the credit reporting agencies or XXXX XXXX XXXX do a thing. I'm fed up with this. 

I have a previous lawsuit with this disreputable company where I won as part of a larger suit for their fraudulent practices. At this point, I'm disgusted with the way they are treating me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Bloomingdales has violated my rights. Bloomingdales has failed to provide proof that this account belongs to me. I will be consulting with a consumer attorney as well as writing the Attorney General office regarding this company. I will not pay for something that I did not authorize.

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 2018-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra Recovery services purchased this debt when in fact the account had already been closed and the contract was cancelled. They are trying to illegally re-open the debt that is over 7 years old. It needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Ive mailed Progressive Management Systems for them to validate this alleged debt. They have sent me a letter that looks like it was generaded using XXXX XXXX. Nothing on this letter validated that it is indeed myself and that I owed them any money. Anyone could of easly generated this letter, obtained my name and say that I owe them money. It contains no contract agreement, no signatures or anything saying that I owe this XXXX   company money. This does not seem like a valid form of Validation. Ive also tired to contact them to just settle this amount even though they didnt properly validate so I can move on from this but XXXX failed to respond.

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 2018-03-14 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: Midwestern Health Management INC
State: FL

Complaint narrative:
On XX/XX/2016 I revcieve and Inquires that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2016 I revcieve and Inquires that I did not authorized.

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 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
incorrect information on the short sale of my vhda mortgage. very inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
LONG STORY SHORT one main financial allowed ME TO BELIEVE I WAS GETTING A AUTO LOAN WHEN IN REALITY IT WAS A UN-SECURED LOAN AT A INTEREST RATE THAT IS SO UNFAIR, IT WOULD BE CONSIDERED ECXTORTION. THEY BREACHED MY CONTRACT THEY GAVE LEGAL ADVISE TO THE LENDER AND TRYING TO CHANGE MY CONTRACT TO SOMETHING SO OBSERED IT DOESN'T MAKE SENSE. THIS LENDIND COMPANY SHOULD BE INVESTIGATED FOR THIER COMPLETE LYING AND STEALING FROM CUSTOMERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

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 2018-03-14 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: MI

Complaint narrative:
In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the TRANSUNION on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

TRANSUNION has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date TRANSUNION has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, TRANSUNION continues to knowingly publish false information about me for others to view. 

I know Im just a little guy. What can I do to get this large company to follow the law?

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 2018-03-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I purchased and returned an item to Zales jewelry store in XXXX, Delaware on XX/XX/2018. The return was completed and I have attached the email confirmation showing the credit should pear in 5-7 days. As of today, XX/XX/XXXX, the credit has not appeared. I spoke to Zales customer service on XX/XX/XXXX and was told they never received the item back from the store. I went to the store. The store manager gave the Zales agent the tracking number from XXXX to show they sent the item back to the warehouse. The agent told me she could credit back the item once XXXX confirmed they picked up the package. Now, three business days later, I still have not gotten a response. I dont believe I should not get a credit because of actions the store did or didnt do after I completed the return. Because the credit is not on the account i am being told I need to pay for the item or it will impact my credit. Any help in getting this resolved would be greatly appreciated. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
I am getting repeated phone calls for a debt of some kind for someone I do not know. I think they are looking for someone named XXXX. I have asked them to stop but they call twice a day at least from multiple numbers.

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 2018-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I have paid {$200.00} every month using bill pay as I was told to do. After about 2 years I have not received any receipts, calls, or any form f documentation of my payments or what is owed. 

When I call Winn Law Group no one answers and m credit report shows no sign of this debt, however they continue to accept my check. No calls have been made to me and I have had the same number for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: PA

Complaint narrative:
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of Alliance One Receivables Management. I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!

Company response to consumer: Closed with explanation