vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
XXXX XXXX and Ability Recovery Solutions are reporting on my credit file that I owe monies for attending a school I never attend {$310.00} is being reported on my credit file each month. I tried contacting the school about the matter who advise me that I signed a contract which was never signed by me.

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 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
Repeatedly tried to contact XXXX XXXX XXXX XXXX to no avail. The company is placing derogatory marks on my XXXX, XXXX  and XXXX reports. This information is completely wrong and needs to be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CA

Complaint narrative:
I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from 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 non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
XXXX credit card is showing on my credit report and ABR Recovery Services, LLC is trying to collect on a debt on XXXX behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or XXXX is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a 100 % legal US born citizen living as a 100 % legal resident in the XXXX with my wife and daughter. 11 months ago a check I wrote from my US CHASE bank account to my local XXXX bank bounced. The account balance was much more than enough. Our local bank then showed me a telix image of my check clearly stamped " ACCOUNT CLOSED '' we we're shocked. Neither I nor my US based account manager had even been notified by CHASE Banks as is legally required. The saga is very long and drawn out involving mounds of correspondence and scores of conversations. I'm attaching my latest letter to Chase as a synopsis. The short version is that CHASE Bank has been continuously evading returning my. {$87000.00} account balance well past the point of serious criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CA

Complaint narrative:
I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from 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 2019-02-11 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 went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX/XXXX XXXX, XXXX/XXXX XXXX   XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX/XXXX/XXXX/XXXX  XXXX XXXX/XXXX XXXX AND XXXX/XXXX. Please remove these accounts from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX/NA ( acd # XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX { XXXX, XXXX XXXX, XXXX/XXXX. XXXX/XXXX/XXXX  XXXX/XXXX  and XXXX XXXX XXXX. I reached out to my local XXXX and the 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 non-monetary relief
Consumer complaint received 2019-02-11 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: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX ( acd # XXXX ), XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX, XXXX XXXX, XXXX. XXXX/XXXX XXXX/XXXX and XXXX XXXX XXXX. I reached out to my local police and the FTC.

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 2019-02-11 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: GA

Complaint narrative:
Ireceivedacopyofmycreditreportandthereareitemsonmycreditthatarenotmine.IdidntevenknowanythingabouttheseuntilIwasnotofferedajobbecauseoftheseitemsonmycreditPleasehavetheseremoved.XXXXXXXXXXXXXXXX/XXXX(acd#XXXX),XXXXXXXX/XXXXXXXX.XXXXXXXX/XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXX{XXXX,XXXXXXXX,XXXX/XXXX.XXXX/XXXX/XXXXXXXX/XXXXandXXXXXXXXXXXX.IreachedouttomylocalpoliceandtheFTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: IN

Complaint narrative:
I have repeatedly tried to contact AD astra recovery service about a unknown account on my XXXX, XXXX and XXXX  credit reports. I have no idea where this account came from and not has been properly informed. It is hurting my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is American Coradius International, LLC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, American Coradius International, LLC.

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Coradius International, LLC. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.American Coradius International, LLC. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where American Coradius International, LLC. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. American Coradius International, LLC.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IN

Complaint narrative:
I have repeatedly tried to contact AFNI, INC to no avail. It is putting a derogatory mark on my XXXX, XXXX and XXXX  credit reports. This account is hurting my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Ive sent 2 letters asking for proof that this is my account but only received my name and emergency information Info but no signatures or any original documents. I want to see a discharge paperwork or some kind of signature proving that the debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: The Best Service Co.,Inc
State: NM

Complaint narrative:
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX Partial account # XXXX Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Address ID # XXXX Terms : 1 Months Original Creditor : XXXX XXXX XXXX XXXX Monthly payment : Not Reported Type : Collection Credit limit or original balance : {$460.00} Payment history : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX is saying that the checking account was charged off and is listed as account closed on XX/XX/XXXX due to account abuse but I didn't ever commit such acts. They only paid for ( 1 ) EFT TRANSACTION MERCHANT : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX CK # XXXX AMOUNT : {$340.00} DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX WAS OPENED AROUND XX/XX/XXXX AND WAS DONE COMPLETELY ONLINE. THEY BLOCKED MY ACCESS FOR SECURITY REASONS AND I HAVE NEVER BEEN ABLE TO USE MY DEBIT CARD NOR HAVE I EVER RECEIVED ANY MONTHLY STATEMENT FROM THEM. IT'S LISTED TWICE UNDER THE BEST SERVICE COMPANY DEBT COLLECTOR. THE 1ST ORIGINAL AMOUNT OF THE ACCOUNT WAS {$5800.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$7900.00}. THE 2ND ORIGINAL AMOUNT OF THE ACCOUNT WAS {$1200.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$1300.00}. THEY JAVE COMMITED FRAUD/UNAUTHORIZED SERVICES AND I HAVE IT ON MY XXXX   CREDIT REPORT AS SUCH ALONG WITH A FRAUD ALERT ON ALL 3 CREDIT REPORTS THAT I'M A VICTIM OF IDENTITY THEFT/FRAUD.

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 2019-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION
State: NC

Complaint narrative:
In XXXX BB & T gave XXXX XXXX XXXX two depository Checking accounts without my Signature in the name of XXXX XXXX XXXX, XXXX. This was FRAUD. Once he obtained these accounts he captured XXXX income deposits into these accounts, wrote himself checks made out to CASH, and had them CASHED by local XXXX BB & T branch Tellers XXXX XXXX and others. These checks made out to CASH total well over XXXX from XXXX to XXXX. These statements where directed only to XXXX XXXX home address and not the address of the XXXX. In addition to this CASH XXXX XXXX initiated various LOC ( Lines of Credit ) in XXXX for XXXX with BB & T. He placed this ALSO in my XXXX owned business name of XXXX XXXX XXXX. XXXX. Theres been numerous Complaints filed against BB & T with both the XXXX and CFPB and most recently now the SEC complaint has been XXXX as well. BB & T has demonstrated it Corporate Williness to LIE, Fabricate, and attempt to cover up this FRAUD and even Forged Bank Documents. Cases where filed in XXXX VA, where it was discovered the local Judge had a Deep Family History with XXXX XXXX XXXX which was later acquired by BB & T. This XXXX was asked to Recuse himself from these matters, yet he has refused to do so. BB & T has hired lawyers, who are caught on various Emails Apparently Stalking my house, which has also been XXXX at during the time this was reported back in XXXX and is still ongoing to this very Day in XXXX. BB & T its XXXX and XXXX leadership has demonstrated a direct and open williness to engage in all sorts of Tactics to Deny any rights to " Due Process ''. Its is my further opinion that the SEC should investigate this Bank and should find that my statements a Truth and have well documented Standings. XXXX United States XXXX and the CFPB should report this to the XXXX and proper authorities to investigate and ban BB & T from completing any such Merger with any other Banks giving them more power and control. These are serious allegations and I am stating the Truth and have FACT to back that up in many forms. Too much to even begin to upload here.

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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I received a claim from XXXX and Convergent for amount owed of {$220.00} with client account XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This claim is incorrect and not owed. 

Convergent Outsourcing XXXX XXXX  XXXX XXXX, WA XXXX Mess started when I tried to cancel XXXX XXXX services XX/XX/XXXX for final billing and cancellation. I had been with company for more than 8 years with on-time payments. Rates increased again, so I decided to change to competitor. 

Called again XX/XX/XXXX for final billing, cancellation and status of return packaging for the DVR. 

DVR Box confirmed received by XXXX XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX 

Received another bill from XXXX. Called XX/XX/XXXX to cancel yet again. Proration clarified for {$170.00}. I paid amount owed on XX/XX/XXXX to XXXX. 

Received another bill from XXXX. Called XX/XX/XXXX. Agent claimed account active and I signed up for another 2 years of services. Agent claimed cancellation fees owed for early termination. I responded why on earth would I return my DVR box and cancel my service, and then agree for 2 years of new service? The XXXX agent supposedly adjusted my account. 

Yet another bill received. I called XX/XX/XXXX. Agent noted confirmation XXXX XXXX XXXX XXXX XXXX  for cancellation XX/XX/XXXX. Submitted complaint to Better Business Bureau via online service. 

Another bill received from XXXX dated XX/XX/XXXX. Called yet again to Financial Services Department of XXXX, spoke with Sianthia XXXX XX/XX/XXXX after bill received. Agent stated {$0.00} balance on account and paid in full. Letter would be received in 3-5 days. 

Received letter from Convergent dated XX/XX/XXXX stating {$220.00} owed. Agent clarified that XXXX owns the debt, not Convergent. Provide backup by fax XXXX and email XXXX. Agent clarified that once letter received from XXXX, then Convergent will close out. I faxed XXXX confirmation that account closed. 

XXXX XXXX debt collection agency sent letter XX/XX/XXXX. Replied back with mailed copied of XXXX close out letter. 

XX/XX/XXXX Convergent letter received yet again attempting to collect on closed amount. 

Advice to others is to return any DVR box and equipment to a person in a XXXX store, no matter how inconvenient the location or timing. Receive receipt for equipment and {$0.00} owed. Returning via equipment return box provided by XXXX XXXX is NOT sufficient action and will result in more than a year and tens of hours of wasted time.

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 2019-02-11 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'm trying to buy a house so i ran my credit, and on my report i saw items that i didn't recognize. I did not authorize these items and i need these items removed from my credit report. I was advised to contact the FTC and my local police and i did. XXXX XXXX XXXX, 01 XXXX XXXX, 12 SXXXX XXXX 3, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I am an ID Theft Victim and reported my consumer statement on XX/XX/XXXX to advise the credit bureaus of my status and findings. 

The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. 

Here is the debt collector information reporting on my credit that I am looking to dispute : Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
On XX/XX/19 I was notified via XXXX  credit monitoring that a collection account has been placed on my credit file. Upon looking I see that it was from Capio Partners for an alleged medical debt in the amount of {$1400.00}. I was subsequently notified of placement of this collection account on my XXXX  account on XX/XX/19. 

I have never received any notice of the alleged debt from Capio Partners and have no idea what the debt could be for. In doing so I was denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al.

This is to be removed from all three credit bureaus immediately and proper procedure and protocol is to be followed. I have no reservations in litigating this ridiculous practice performed by Capio Partner 's in a court of law where I will seek punitive and statutory damages to the fullest extent allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX  is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, XXXX, or Equifax reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX - Porfolio Recovery. 
It is now XXXX XXXX where I live and this number has called me 27 times in the past hour. This company calls constantly from numerous phone numbers and demands my birth date and ssn before they'll give me even their company name. I get the company name by calling the number. I have sent several cease and desist letters through certified mail, but they refuse to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have tried to file chargebacks on three cards to recover from fraud on 3 credit cards in citizens bank and they denied me that chance. for the card ending in XXXX I owe {$5000.00}, for card ending in XXXX I owe {$3900.00} and for the card ending in XXXX I owe {$1900.00} from the letter given to me on that letter.

Company response to consumer: Closed with explanation