vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Diversified regarding an account listed on my credit file in the amount of XXXX rounded off to XXXX on my credit report. Diversified responded by representative XXXX XXXX with a response that was not related to the account I was complaining about. There seem to be a misunderstanding on what account is being complained about. Please remove Diversified Consultants in the amount of XXXX from my credit file. This account is a result of identity theft. I have never had any dealing with Diversified Consultants nor the company XXXX in which you represent. I have never received a notification or validation from Diversified that this debt was owed or that it will be reported o my credit file. I wasn't made aware of this fraudulent debt until I check my credit file. I will also attach what was sent to me so the CFPB can see that they responded with something that was not in question to them. There is no contract bearing my signature nor any legal proof that I have any obligations to you. The alleged account is a result of identity theft and should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
A violation of parole was listed on my criminal report for an original case dated back over 8 years ago - the case is not of its own it is tied to the original so reporting it was outside of the California 7 year reporting limit law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
PROCOLLECT INC # XXXXhave a a unverified account from PROCOLLECT INC . I had previously disputed this account. I have never done business with PROCOLLECT INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PROCOLLECT INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PROCOLLECT INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My XXXX Store Credit Card is blocking access to my data via external 3rd party systems.

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Harley Davidson Financial Services Inc
State: AZ

Complaint narrative:
My ex husband and I purchased a XX/XX/XXXX XXXX, and financed it together. 
We divorced on XX/XX/XXXX. 

I have a court order that states he is the sole obligor to pay off the remainder of the Harley-Davidson loan for the motorcycle. 

I submitted a copy of my divorce paperwork to Harley-Davidson Financial Services / Harley-Davidson Credit Corp. 

This copy seems to have been lost, as they no longer have it on file. They also state that a legal court order has no priority over individual financing, and that it does not have to be abided by, as it was a " legal contract '' signed by both parties. I was told that state law does not come before finance law by the representative I talked to on the phone. This was on XX/XX/XXXX. 

My ex-husband is not making payments on the motorcycle, has numerous reverse payments, NSF 's, and late payment fees. All of his payment deficiencies are hitting my credit report, and have been for two years. 

As of XX/XX/XXXX, the account was sitting at 40 days past due, and I placed an inquiry as to whether it could be repossessed. A payment was made by my ex-husband on the same day, for {$400.00}, but the account is still sitting at {$690.00}, and in a past due status. Which has again hit my credit report. 

I have tried settling this issue with Harley-Davison Financial Services / Harley-Davidson Credit Corp numerous times over the last two years. 

I am being constantly harassed by their finance department because my ex husband keeps changing his contact information, and is unreachable. I continue to provide them with up-to-date contact details for him, but they insist on calling me relentlessly, sometimes reaching 5-6 calls a day.

I have asked Harley-Davidson to remove the deficiencies from my credit report, but was told that a court order isn't adequate in their eyes, and that I am still responsible. 

I have also submitted appeals to the credit bureaus to have the deficiencies removed from my credit history as well, but to no avail. 

A cease-and-desist letter has also been mailed to the Harley-Davidson Financial Group / Harley-Davidson Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called us on XX/XX/2016, and enrolled your credit card accounts in Balance Liquidation Programs, which reduced your annual percentage rates and suspended applicable late and over limit fees from being charged. I do not recall being advised you during the call that your accounts would be removed from the programs if the initial payments were returned. We also sent you the enclosed letters dated XX/XX/2016, advising of this information ; which were never received. We received your enrollment payments for the programs on XX/XX/2016 ; however, they were both returned due to insufficient funds. - They payments were not to be made until the XX/XX/XXXXof every month. We sent you the enclosed letters on XX/XX/XXXX, and XX/XX/2016, advising you of the returned payments- those were not received as well however I did make additional payments to replace the ones there after and made payments regularly thinking I was on the program. After the payments were returned the payments were replaced and continued to be made after at no time did I receive any letters stating that the program was canceled otherwise why would I continue to make payments. As far as the other account it is of no consequence I have accounts with other institutions. I do request the late fees and interest be adjusted. I would like the late payment history on my credit to be adjusted as well. I called in on my own to get help I was going through a financial crisis under this thinking I could have let my accounts remain open and not close them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We filed a dispute with Citi Bank about a charge of {$1700.00} from XXXX XXXX XXXX XXXX. This was a deposit charge, however we cancelled move because of additional charges ( about twice the amount stated in the contract ) that was required just before the move was scheduled. Citi notified us of their attempt to settle the dispute, but could not do so with the information we gave them. We have obtained information about XXXX XXXX XXXX XXXX from sources such as XXXX  that this company has pulled the same scheme of overcharging at the last moment before moving and feel that our deposit charge should be removed from our account at Citi Bank.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Working with American Express to resolve an error in the payment system. Stating that the XX/XX/XXXX or XX/XX/2018 payments were not made. I have documentation showing the payments we're made on time and more than the amount requested. American Express will not speak with me or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
TRANSWORLD SYSTEMS INC Contacted me XXXX XXXX on or about XX/XX/XXXX at XXXX CST asking for a XXXX I just got this new number from XXXX XXXX and it is registered with the state of Missouri and National " DO NOT CALL LIST '' however Transworld has my information and they still contacted me with no merit or reason even apologizing for calling me as my name XXXX was not in there system. The Rep advised me they are looking for a XXXX that owes them money which is a clear violation of " FDCPA '' with regard ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 


Per my new Carrier XXXX XXXX I may have got a recycled number however I have advised TransWorld Systems Inc I don't know any XXXX and they said it will take them several days for my number to be taken out of there system and I may still receive phone calls. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed several complaints with XXXX  concerning a Capital One credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. Capital One charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I received a 1099-C form in the amount of {$970.00} for the cancelled debt and I filed the 1099-C form with my taxes in XX/XX/XXXX. In DXX/XX/XXXX Capital One reported the debt as a new debt to all credit reporting agencies. I informed XXXX that the debt was not new and I submitted my 1099-C form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX XXXX  is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the Capital One account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.

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 2018-07-26 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:
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these  account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.

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 2018-07-26 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: AZ

Complaint narrative:
I am a victim of identity theft. I have a police report on file with Equifax in regards to these 2 accounts and being a victim of identity theft for over 10 years. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, XXXX, XX/XX/2018, XXXX XXXX XXXX, XXXX, XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Revcived letter dated XX/XX/2018 stating I owed over $ XXXXCalled right away and disputed alleged debt but had trouble talking to agent. So I said will send letter disputing alleged debt. Tracking # XXXX XX/XX/XXXX at XXXX XXXX. Wanting ALL pertinent information, singed contract, payment history including first and last payment dates. and all entities who previously owned alleged debt Call at XXXX XXXX XX/XX/18 { recored line } to check status was told I need a Lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Resolution Group, LLC
State: MO

Complaint narrative:
I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX  if they try to file something. Whatever, I will go to court. I didn't make the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This is yet another complaint against Toyota Motor Credit ( TMC ) for my TMC account # XXXX ( Joint account and I am the primary account holder ). TMC keeps reporting this joint account to all XXXX CRAs as a CHARGE OFF when it IS NOT. TMC lost the payment I made back on XX/XX/2017 and it took them months to locate the payment and apply it to the correct account. And in the meantime TMC reports my account as a CHARGE-OFF and it is not. Me and my cosigner have been going through this issue since XX/XX/2017 to no avail. TMC removes the charge-off when I call or file a complaint, and the next month the charge-off marker is back on my credit report thus affecting my excellent credit standing by 90-95 points drop in score. 

This is crazy and unacceptable. How much more time do I spend on this issue? How many complaints do I need to file to get this information corrected permanently? How is TMC going to reimburse me for my countless hours wasted on phone calls and being transferred from one TMC and credit bureau representative and department to another, being put on hold for hours, explaining everything all over again to tens of different representatives in different departments? How much longer ... ..??? Seems like they don't know what they are doing and how ... This is sickening, this is a violation of my FCRA consumer rights. Who is accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
AMSHER COLLECTIONS Services, did not verify information that was obtained or validation of account as requested from a letter that was sent to me on XX/XX/2018 from this collection agency 's attorney. The letter advised me that if I dispute these charges to notify them within 30 days. I did notify the attorney to state that this was inaccurate. Instead the collection item was placed on my credit report as of XX/XX/2018 ANYWAY. 

This caused tremendous damage to 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 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
There is a collection showing on my credit from Rent Recovery Solutions LLC. 
The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place. 

I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. 

I want the account removed from my reports since it's proven unduly burdensome to contact the collector.

Company response to consumer: Closed with explanation