vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS 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 consolid
ate, 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. XXXX College vXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. 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 XXXX University that gave you the right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I XXXX XXXX bought a truck XXXX XXXX XXXX  XXXX XXXX  XXXX Mileage XXXX XXXX Color VIN : XXXX on XX/XX/XXXX. Salesman XXXX and Manager XXXX. Location : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I discovered that This truck was Total lost reported on XX/XX/XXXX. This Dealership sold me this truck as in good conditions. Total Amount Finance {$23000.00}. Finance Charged : {$15000.00}. Total Sale Price : {$41000.00} When I tried to Refinance This truck because is to high my car payment. The Finance company printed out my vehicle history report in XXXX I was informed that this truck value is not according the amount I owed. I am the third owner of this vehicle. How can be possible was not Report it to Department of motor vehicle. I am doing my truck payments to Westlake Financial Services XXXX : XXXX XXXX XXXX XXXX XXXX, California, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Hi. I had to resign from my job in XXXX XXXX to move back home to care for my sick father in XXXX, Texas. His health went into decline after my older brother passed away. After moving back to XXXX, Texas, I have struggled to find permanent employment. I have been working temporary jobs through staffing agencies, however at times I've gone from one to four months without any work assignments or income. In XXXX I ended an assignment and contacted AES/XXXX XXXX  about my financial situation. I request an Income Based Repayment Plan with them around XX/XX/2018. They verbally approved it on the phone and said they would send me additional details. I did not receive additional information requests or forms to fill out. By XXXX, I called them again to find out what the status was, however they have been charging me for late payments the whole time. In XXXX they said that they received an approval from the Department of Education 's Student Loans agency indicating that I was approved for Income Based Repayment. I uploaded copies of my paycheck stubs and Tax forms. However, AES/XXXX said they rejected me because they did not receive those documents. I asked them why they did not take that up with the StudentLoans.Gov representatives and they said they did not know. I'm now over 6 months late on payments with them and they have not gone down or been adjusted based on my income, however late fees have accumulated. I feel like they have behaved in predatory ways and steered my loans into default by creating stonewalls in every way that I tried to adjust payments based on a change in my finances. When working with federal loans, I was able to upload all requested documents online, easily. This was not the case with XXXX/AES. When working with AES/XXXX, they did not allow me to upload documents online and said they sent things in the mail and they operate by old fashioned mail only. Before moving to XXXX, I paid all of my loans responsibly and I was gainfully employed. My credit score was above 650. Today, AES/XXXX has ruined my credit score and this will make it difficult to find permanent employment since most employers in my field conduct comprehensive background screenings that include credit checks. I would like my credit to be fixed and negative marks removed by AES/XXXX, and I would like to my account to be adjusted so payments are based on income and the fact that I have other loans as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have student loans beginning in XX/XX/XXXX thru XX/XX/XXXX. When it was time to reconcile my loans in XX/XX/XXXX, I wasn't working and when I called Navient to see if I could make $ XXXX monthly payments, they put me on forbearance. I had no idea what this was but it eliminated my payment so I went along with it. This also happened in XX/XX/XXXX and XX/XX/XXXX. I was willing to make minimum payments of up to $ XXXX/month, but was not given that option. I also had no idea that interest was accumulating at a rapid rate and as of this date I owe {$1800.00} in interest. 

When I decided to look into what my options were, I was shocked to learn that there were 4 different income based plans that I could apply for. These were never explained to me. 

Recently I lost my job and called to ask if my $ XXXX/month payment could be lowered, I was told no that I would be put on deferment. I think this is terrible that I am willing to pay a monthly payment but am being told no. I am not sure what this is doing to my interest. Would the interest amount be different if I had been making small monthly payments the past 3 years? I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC
State: CA

Complaint narrative:
I was forwarded voicemails from my family that stated that they were looking for me for a personal matter from a company called XXXX. I tried to call the number and after several attempts was able to get a human on the phone to find out what the personal matter was about. They informed me that this was in regards to a loan account that I had opened. I informed them that I had placed them on my debt consolidation program and that they needed to contact them as I believed there was already a settlement in place from a previous collection agency. At this point I was informed that I had been " scored '' for if I qualified for sending to court. If I do not pay by XX/XX/30 then it would be out of their office and they would take legal steps. They also informed that they typically do not setup payment arrangements that span more than a few months. They also said that they didn't want me to have them contacting my employer and other places to find out things like wage garnishment options. I stated that I am more than willing to work with them but they kept emphasizing that they only had until the end of the month. I to this point have not received any paper documents other notifications of the debt and who they " represent '' XXXX XXXX XXXX. I have let them know that I can't pay in a lump sum that amount and from my reading on the internet the company " they represent '' practices unfairly. https : XXXX They call from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have attempted several times, todayXX/XX/XXXXwas the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect information.

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 2019-06-19 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: MN

Complaint narrative:
I have attempted several times, today XX/XX/XXXX was the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect information.

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 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in 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 2019-06-19 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account was closed. This trade line keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NC

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.

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 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D&A Services, LLC
State: TX

Complaint narrative:
This company continues to call my employer. In the past they contacted members of my family as well. I have asked that they only contact me directly on my PERSONAL number, but they keep contacting other people regarding a personal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NC

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.

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 2019-06-19 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: New Era Asset Management, LLC
State: OH

Complaint narrative:
I settled the account with new era assets for the amount of XXXX and it is still showing up on my credit my report and negatively affecting my score. On my credit report its showing as a collection from XXXX XXXX. But was then taken over by new era assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT AND I HAVE SENT NUMEROUS REQUEST FOR MONTHS FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I DON ; T UNDERSTAND HOW AND WHY THE OTHER 2 BUREAUS WERE ABLE TO CONFIRM THAT THE SAME ACCOUNT IS FRAUDULENT AND THE ACCOUNT HAS BEEN DELETED FOR MONTHS BUT EQUIFAX FOR MONTHS IS NOT ABLE TO VARIFY. I STRONGLY BELIEVE THEY ARE DISCRIMINATING AGAINST MY NATIONAL ORIGIN SINCE I HAVE BEEN TOLD NUMEROUS TIMES MY ENGLISH IS NOT GOOD ENOUGH FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My Chase credit card online acct has a link to " Credit Journey '' and I have received several emails either congratulating me for enrolling or providing 'terms and conditions ', etc. I never requested, enrolled in, or authorized this service. I don't want it and I don't need it and will never use a service like this. I called Chase about this and they referred me to " Credit Journey '' who told me to sign in to the credit journey  acct to cancel. I told them I was unable to sign in because I never enrolled or registered with them. Neither Chase nor  Credit Journey will ( or know how to ) resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a secured credit card with wells fargo that was closed by them. Being that it was a secured credit card, the debt was secured by funds I provided. Wells fargo satisfied the remaining balance by utilizing the funds held for security -- so the balance was paid off. Then they charged an exuberant amount of fees which created a large balance that they later sent into collections, and which has adversely affected my credit.

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 monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This issue began when Midland Funding LLC, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that Midland Funding verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.

Company response to consumer: Closed with explanation