vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: GA

Complaint narrative:
KLS FINANCIAL SERVICES INC violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. KLS FINANCIAL SERVICES INC added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company at all. KLS FINANCIAL SERVICES INC reported this collection to XXXX, XXXX, and XXXX. For the amount of {$170.00} and {$400.00} Opened on XX/XX/2014. This is invalid, I have no knowledge of where this comes from. I have not received any written correspondence from the original creditor or this company. KLS FINANCIAL SERVICES INC put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I HAVE NO CONTRACT WITH KLS FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are XXXX XXXX XXXX acct XXXX and XXXX XXXX  acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect. I filed a complaint previously about the same accounts with CFPB & they did nothing but the same thing over again.

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 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
On the XX/XX/2018 I communicated and setup a payment to payoff the balance of a loan created with the XXXX called, Bigpictureloans, and was informed the total amount to payoff my outstanding balance of {$630.00} including interest and principal. The payment of {$630.00} was schedule XXXX XXXX, XXXX and was informed that the amount will be drafted out of my account on XX/XX/2018. The amount was reflected as stated and the {$630.00} was debited from my account. 

I, then received a call, from bigpictureloan stating that they were attempting to collect a debt of an amount of {$120.00}. I told them, I am stopping the communication and will transfer all information about there company to be reviewed, to authenticate their account practice. 

I am filing this complaint to prevent any further attempt to diminishing effect in a case to resolve their act on me or any other consumers who may potentially fall prey to this accounting tactic. I was told a total payoff amount and quoted to be paid in full and was confirmed by bigpictureloan. 

I don't like a fact being said and not granted, any disclosure about a past due amount must be included into a total payoff balance, when I or any customer, should ask for a total amount to payout and close their account must be honored. A failure on the system of bigpictureloan accountancy is a violation and should be fined and ceased until corrected and must be fixed. People should be granted the Right to pay off everything when they ask for it, transparently in all financial system of accountancy. 

If they have multiple incident of this act of closing by multiple consumer of bigpictureloan. The Consumer should have restitution because they may be in breach of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I attended this school for 3 days owing nothing

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 2018-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We applied multiple times for Capital One XXXX XXXX account online, and we keep being declined. When we call customer service, they can not provide us a reason on why we are being declined, and they keep telling us they are going to send us an e-mail. I was escalated to a supervisor, and got the same run around

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: LA

Complaint narrative:
I have received emails from a company called XXXX XXXX XXXX   and XXXX XXXX regarding my approval for payday loans that I did not apply for. I've also received text messages that I've stated to stop as well. I also have XXXX XXXX to help monitor the situation. 

Email Addresses : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
In XXXX I visited the XXXX XXXX ER for a XXXX XXXX. In XXXX I was approved for permanent XXXX and they paid all my old hospital debts. There were more than XXXX and all were paid. I submitted this information to the hospital and XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. I have spoken to XXXX XXXX several times but they continue to report to the credit bureau. Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associates provided a copy of a monthly statement. That information does not prove they have the right to collect this debt. I would like them to provide me with the following : -What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor : Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
After reviewing your letter and several disconnect which you have presented in your last letter. I have demanded for facts and you have instead relied on hearsay without evidence. The account is # XXXX and the unverified amount you are demanding is {$320.00}. 

First, I have no contract with XXXX and no agreement has ever existed. XXXX has never presented any agreement or claimed any contract exist. Please be advised this is my Third Written request and warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and section XXXX regarding your continued willful and negligent noncompliance. Despite two written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. As at today, XX/XX/2018, nothing shows on my credit this debt is disputed which is a clear violation of the 30days period. Furthermore you have failed to provide the method of verification as required under section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not be verified. The law is very clear as to the XXXX liability and the remedy available to me ( section XXXX & XXXX XXXX if you fail to comply with XXXX XXXX. I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I repeat and request you to provide me the address of the person to send the law suit to be in court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: MI

Complaint narrative:
*In XX/XX/XXXX I noticed an " ACCOUNT VERIFIED AS ACCURATE '' with an ( NON UPDATED ) DATE OF XX/XX/XXXX on a TRANSUNION CREDIT REPORT ISSUE DATE OF XX/XX/XXXX. 
* Inquired/sent letter with RETURN RECEIPT DATED XX/XX/XXXX *REceived RETURN RECEIPT back from TRANSUNION DATED XX/XX/XXXX * RECEIVED TRANSUNION response as ( VERIFIED AS ACCURATE ) ** ACTION WAS TAKEN BY TRANSUNION ** to  update error to updated date of XX/XX/XXXX from current report of XX/XX/XXXX TRANSUNION REPORT ) AND I HAVE READ THAT THIS ERROR OF NON UPDATED ( DATE ) IS A VIOLATION and INACCURACIES SHOULDBE INVESTIGATED AND NOT SIMPLY UPDATED BY XXXX XXXX STANDARDS.

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 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX  XXXX XXXX became aware of several unauthorized charges. I spoke directly with a Discover employee and explained why charge with XXXX XXXX, of XXXX was not authorized. The employee told me he would not investigate the dispute after one letter from XXXX XXXX of XXXX which contained fraudulent documents which Discover was aware of last XXXX has not disputed nor followed its Cardholder Member Agreement. I filed a prior Complaint with your Agency and the Discover reply was not factual accurate and did not include detailed letters I submitted to Discover which did not lead to a Discover fraud and security investigation and should have. I discussed this with an XXXX at Discover as I had always made the required minimum payment, but recently wrote him to suggest my minimum payment be placed in escrow as the minimum payment pursuant to the Cardholder Agreement is 2 % of the account balance, which is inaccurate because of the {$3600.00} unauthorized purchase at XXXX XXXX of XXXX. Rather than the Discover XXXX reply to my suggestion that we put my minimum monthly payment in escrow, as every other payment had been made timely, Discover arbitrarily and capriciously reported my account as derogatory to the Credit Reporting Agencies. Also the Customer Agreement with Discover provides for a procedure for " Your Rights If You Are Dissatisfied With your Credit Card Purchase '' providing I may have the right not to pay the remaining amount due on the purchase. I discussed this with the XXXX at Discover, XXXX XXXX, as he had previously told me Discover had a third party agency to handle these matters when Discover Card Holders are not happy with their purchase. I told him I was not happy with the purchase of the XXXX XXXX XXXX made at XXXX XXXX XXXX XXXX on XX/XX/XXXX, attempted to work it out with the merchant and was not successful. XXXX XXXX told me on XX/XX/XXXX Discover no longer has this policy, and stopped it in XXXX. I have only been a Discover XXXX XXXX since XXXX and my Customer XXXX clearly states the policy, so he was dishonest with me. Further, for no basis whatsoever Discover refused to reissue me a replacement card, after their were unauthorized purchases, which Discover investigated and agreed with me they were all, but the XXXX with XXXX XXXX not authorized. The XXXX XXXX XXXX, even wrote me a personal letter telling me his opinion I was a Cardholder in good standing with Discover. In fact many employees of the Discover Fraud and Security Staff directly told me their opinion my Cardholder status should not be restricted, and I even received a letter from Discover after this telling me I was going to be receiving a new card which I could activate and use as I had available monies on my Credit Limit with Discover. I received the Card but could never activate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
A credit Loan inquiry was made without my consent. Someone submitted a credit application for a car loan to a company called XXXX XXXX XXXX XXXX. This inquiry was not authorize by me. 

Fraudulent Inquiry made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2018-11-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of GC Services. 

GC Services representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of XXXX ( XXXX  XXXX XXXX XXXX XXXX ) who owned the Identity Theft Federal Student Loan. 

XXXX has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. XXXX continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the GC Services representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent GC Services a copy of the FTC identity theft report and addendum documents required. 

On both occasions, GC Services representatives informed me that this will negatively affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 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: TN

Complaint narrative:
I have contacted Equifax on 4 different occasions dated : XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to either receive no response or when they did respond they are not providing me with any proof from the original creditor ( XXXX XXXX XXXX ). Also on all 4 of these occasions Equifax has went well over 30 days to either respond with re-investigating in progress 45-50 days later or no response at all. I have also filed a Identity Theft report with The Federal Trade Commission that list XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I got a letter in the mail on XX/XX/2018 from Radius global solution LLC that they are trying to collect some debt that I have never heard of. Contacted my insurance policy and they have never received any lab report from XXXX XXXX XXXX XXXX. The balance is way higher than it would cost with my insurance. 


I tried to reach out to them but their number bounces and the call wouldn't go through. 

Account # : XXXX XXXX XXXX : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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:
I have been trying to get incorrect information off my credit report and by doing so I noticed they continue to add items that do not belong to me. I am getting frustrated, I understand my name is somewhat common but my social security number is NOT. Experian is now reporting even more things that are NOT XXXX. It appears as I try to get these mistakes off my report they just add more to make things even more complicated.

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