vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nextep Funding LLP
State: OH

Complaint narrative:
On XX/XX/XXXXmy car needed repair so I took it to XXXX XXXX XXXX and they charged me {$2800.00} for repair when car was picked up XX/XX/XXXX. The technician told me I could make payments so in order to pick up car I needed to pay XXXX that would leave a balance of {$2500.00}. I have made payments of {$3200.00}. I got a call today that I still owe {$2800.00} that I was in a lease for my repair bill with Next step funding and the company that is collecting is XXXX XXXX. I was not aware that I was in a lease for a car repair. I thought I was making payments for the repairs and now am being told that I am in a lease and if I do not pay the additional {$2800.00} that legal action would be taken. I have received messages at my work and on my cell phone from this collection company. I would like to have this resolved. I have paid the amount of the repair and do not plan on making any additional payments. I feel like I have been taken advantage of this is a high interest lease that I was not aware of. I did not sign a lease and would like this resolved and closed out. I do not feel that I should need to pay any more than the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: LA

Complaint narrative:
EXPERIAN is still reporting an UNVERIFIED ACCOUNT to my credit report. I contacted the creditor myself and they have responded on XX/XX/XXXX, stating they will be removing this UNVERIFIED ACCOUNT from my credit report. I DEMAND EXPERIAN REMOVE THIS ACCOUNT ASAP. 

UNVERIFIED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX ORIGINAL CREDITORS RESPONSE : Company responded on XX/XX/XXXX, In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to Experian & XXXX to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX AVP, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding Llc Opened XX/XX/2018 - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Midland Funding Llc Opened XX/XX/2018 - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I noticed yesterday that my pending transactions were going to put my checking account into the negative. It would've been the last largest transaction. This would result in 1 overdraft fee. This morning, the last largest transaction posted first before the smaller. This resulted in 4 overdraft fees instead of 1. The bank has consistently rearranged my  transactions from greatest to least regardless of how they arrived to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOBXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear XXXX  XXXX XXXX Im writing to your company today inference to the account number listed above. I recently view my credit report and disputed this information with the credit bureau keeps saying that the account is reporting correctly. I noticed some serious violation of the federal law. And the fair debt practices act on your behave first of all this account is charge off- you didnt indicate in your reporting who the debt was transferred or sold to major violation! 
Violation number 2 there is no dos or dola listed on the account. This is a violation! 
3 FCRA 623 states that the creditor must must enter a noticed of consumer dispute if this information has and must entered on the credit report you have failed to do this as well. 
1. Also you are reporting a balance on a account that you know longer own this is a major violation you are not allow to report a balance. 
2. Also you are reporting a past due balance on a charged off account if you charged off this account their should not be a passed due balance on a charged off account 3. XXXX XXXX XXXX there is a serious violation you are committed and you are not following the FCRA and the FDCPI ask that you delete this account from all three my credit file ASA If 4. You do not delete these serious Federal Violation immediately I will file suit you

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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On the XX/XX/XXXX I tried to make a transaction for XXXX it did not go through on the merchant side but wells fargo processed the payment. The merchant and myself made a phone call to dispute the transaction. I was then told it would fall off in two or three days and if it did not they will credit my account. They credited my account like they said and I assumed everything was fine now. Well I get a letter today XX/XX/XXXX stating that the found the charges to be aild and they will take the XXXX they credited back. I have called and went around with these people and asked them to pull the tapes from that day. They say they cant do that and on top of it everything from the XX/XX/XXXX is now magaically gone. Nobody said this would a temporary credit pending investigation and I dont feel I should pay for there mistakes!!

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 2019-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I have received several calls about this debt from XXXX. I was unable to locate the company online and the representative for the company would not provide any further information. I spoke to a XXXX XXXX at the number XXXX XXXX XXXX several times. He informed me that I owed a large debt and he was attempting to serve me as a result of the lawsuit XXXX reportedly filed. I asked for verification of the debt and instead of providing it Mr. XXXX used derogatory and abusive language suggesting that I was " wasting his time '' and that he doesn't have time to deal with " people like you ''. 
Mr. XXXX directed me to XXXX XXXX, the purported originator of the debt, and XXXX XXXX, the current owner of the debt, and told me to take it up with them. Mr. XXXX informed me that he would only accept payment for the loan over the phone but would not give me any information about the litigation proceeding that has allegedly been taken. I told Mr. XXXX that I would like to dispute the debt and that going to court was probably unavoidable because I don't recall ever doing business with any of these companies. He said the debt was undisputable and to either give him a credit card of " get the XXXX off my line ''. I again told Mr. XXXX calmly that I just wanted to get a copy of the documents that said I owe the debt but he would not provide them, instead he listed several bits of information, my bank account number, social security number, and place of employment. He said he was tired of " people like you '' trying to wiggle out of things. Upon examination of the form contract that I allegedly signed from the XXXX XXXX  webpage, I noticed a mandatory arbitration clause that would preclude either party from filing a lawsuit. Noting this I called Mr. XXXX back at the above number and informed him of this and that I would like to use the arbitration process to dispute the debt. Though I don't recall ever doing business with XXXX XXXX, if that is indeed the case then I would be able to dispute the debt this way and the lawsuit that Mr. XXXX said that he had filed in " Federal court in XXXX XXXX '' was either a lie or not valid. 

I was alarmed at the strong arm tactics and the abusive language he used to try and convince me I owed something I don't recall owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: KS

Complaint narrative:
First found sequium asset solutions on my credit report XX/XX/2019. The reference stated this was for XXXX XXXX with an address in XXXX XXXX. I have not lived in XXXX XXXX for 15 years. I called sequium and stated my name and asked why this was on my credit report. They had no record of my name or a debt and that I needed to call XXXX. Contacted XXXX and they can give me no information having given them my name. Seems like I was sent on a wild goose chase. Sent a validation letter to sequium over a month ago and have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NY

Complaint narrative:
I've been receiving multiple phone calls in regards to an overdue phone bill that was sent to collections from a phone line that I opened more than 3 years ago. 
I'd like to eliminate the single derogatory mark that I received from a phone bill I had when I was XXXX. The amount is for {$540.00}. I'm starting to learn about credit and would like to improve my credit score for the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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:
XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX   Inquiry from XXXX  XXXX, 2016 + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX. XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX XXXX.

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a complaint about XXXX XXXX XXXX attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a XXXX  balance statement. This collection was reported to my Equifax credit report in error, and Equifax has refused to delete the collection. Based on the provided statement from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, and contractual insurance. I have provided Equifax a copy of the XXXX balance statement ( see attached ). They refused to follow the law about reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In response to CFPB complaint : XXXX As you stated in your response Midland Funding remains on credit due to verification of address. However, submitting through E-oscar of matching addresses social and DOB is not a form of verification.

MIDLAND FUNDING Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : MIDLAND FUNDING Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have 2 loans that navient sent into default. I am trying to get the defaulted loans into rehab so they will stop garnishing my social security. Navient changed my name on my account and I did not request it. I spoke to navient and they said it was changed in error and they had no request from me to change my name. I can not sign the docs until they submit the correct name. XXXX XXXX has the defaulted loans. when I spoke with Navient Post Claims they said hey would submit the right name and not to sign the documents. they are already taking payments from me for the defaulted loans. They are taking my social security, my part time job and the monthly payment that was set up for the rehab program. XXXX XXXX told me to sign the documents and worry about the name change later. I need my checks to not be garnished as I am having multiple surgerys and I dont have insurance to cover these and I need the garnishments to stop but Navinet has not sent the info to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Ability Recovery Service Opened XX/XX/XXXX + Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act,  Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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