vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised that this is my FINAL REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I have disputed these accounts numerous times and Experian has failed to either reinvestigate or verify the correct information. Despite these requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 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 is correct. In the results of your previous investigations and subsequent reinvestigation, you stated in that you " verified '' that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me ( Sections 616 & 617 ) if you fail to comply with Federal Law. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

AS I STATEDI wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX OH 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 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: OH

Complaint narrative:
XXXX was reached to settle two separate debt accounts with TRUEACCORD LLC. I purchased two separate certified checks through my bank on XX/XX/19 payable to TRUEACCORD, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to TRUEACCORD LLC. I received confirmation that TRUEACCORD LLC received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2019 someone initiated a bill payment from a Bank of America account which I don't have nor do I know anyone with a Bank of America account. The amount was {$1100.00}. I immediately contacted my bank to inform them that it was not me, but they were required to perform certain operations to confirm this. Two days later, the " payment '' was reversed due to NSF, so this tells me someone knew the funds wouldn't be available, but they had TWO WHOLE DAYS to use the CLONE of my credit card. Thankfully, those attempts were declined, but I have worked for banks before and I know that Auto pay, ACH, billpay, Wire and transactions such as this CAN NOT be processed from an account which does either not exist or has the funds available. I have since closed the card as well. My bank has no further information than that it was initiated from a Bank of America Account, so I don't know how I could contact Bank of America and attempt to resolve on their end as well. 
I feel as though Bank of America 's checks and balances to prevent things like this are lax to say the least! 
If I had not caught this in time, I could have suffered major losses.

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 2019-09-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an Experian representative he informed me that no information has to be verified, They just leave it without proper investigation.

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 2019-09-13 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: Orions Management Group, LLC
State: MD

Complaint narrative:
Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both XXXX  and Orions Management Group from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. Orions Management Group reported false information to XXXX to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In the last two months everytime I try and make a payment to my account for Home Depot which is owned and operated by citibank I have to call them because their website is not working. Last month I was on the phone for almost an hour just to make a payment because their system was not correctly operational unless you open a private browser unless you put in a secure code which you had to call them to correctly put into the browser by two factor authentication you usually put in the numbers they send you through text. There were additional numbers and instructions you had to follow in order for it to work properly as I was told by the customer service rep. Today i was monitoring my credit on XXXX   XXXX and saw i needed to make a payment again. i followed the instructions per the last time i spoke with home depot and again the site was not working. this time they have autopay set up. I did not want to deal with it again so I tried setting up auto pay only for the browser to repeatedly tell me my info was incorrect. The information was no incorrect which led me to beleive the browser must not be working, AGAIN!. Also i noticed the browser was also insecure it was an insecure browser so now i have been putting my information for my banking and im furious. I called the company and they immediately told me that their system was down and they were aware. I said, can i have literature on this please. They said no we dont have any literature. I complained to her and stated that I was trying to make a payment and that their browser was insecure. They asked if i wanted to speak with a supervisor. I said yes. I spoke with them then she took my payment over the phone and said oh we have this acct on file which was the information that was not being accepted. I am very upset that this is not credit company is incompliant with secure services and believe that my information might have been compromised. I am asking that they dismiss my credit with the company because of the security issues that their company continues to have.

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 2019-09-13 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: MD

Complaint narrative:
Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both TransUnion and XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. XXXX XXXX XXXX reported false information to TransUnion to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: SC

Complaint narrative:
I have a checking account with Charles Schwab. I was on a website on XX/XX/XXXX and tried to purchase something for {$56.00} but immediately realized it was fraud. I immediately called Schwab to ask them to stop the payment as it was fraud and they put in a claim. I received emails on XX/XX/XXXX from XXXX XXXX from the claim department asking me a few questions. She then emailed me and said they were denying my claim. When I spoke with her over the phone she said she had called me many times, which she had not, and emailed me the merchant contract info to request a refund, also which she had not. I asked the before the transaction even posted to reject it and they did not. She also never sent me any information on the merchant so I could contact them myself. I literally have no contact information or website to go to to try to get my money back. While I was on the phone with her she gave me a number that is a fax number. I would like to know how she called them on a fax line. I want the rejection of my claim approved as if they would have just denied it before it cleared like I requested I wouldn't have this problem. Now I'm out {$56.00} and received no product or service and have no one to call or contact to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
hello my name is XXXX XXXX my car was tow and damage about a year ago. I went through you guys to have the issue fix I also let the company no that my car was making an strange sound after been towed they denied the noise or damage that could have been done and only fixed what was visible ..I have been out of several thousands of dollars since than repairing a car from the ropessions. Each dealership I take the car to states that depending on how my car was repo it could be that the damage my transmission the company states the have pictures showing my car was tow correctly while I show other wise if my car was tow correctly why and how did the damage it in the first place credit acceptance account XXXX the supervisor stated if you need further assistance and still having issues reach out and we will help but since reaching out the are unable to assist 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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: ERC
State: FL

Complaint narrative:
Lost of job was forced for this account too go to my credit report no way of paying it and now its old its been since 2016 the amount of {$930.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I am and XXXX XXXX veteran with free health insurance. I do not pay for health coverage because it is supplied to be freely. And if anybody has any debts that they're trying to collect from me it is only because they didn't followed the proper procedure and file the proper paperwork to get the veterans affairs to pay them back for emergency services. This is totally messing up my credit and affecting my livelihood and it's been happening for years now I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Agreement was reached to settle two separate debt accounts with XXXX XXXX. I purchased two separate certified checks through my bank on XX/XX/19 payable to XXXX, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to XXXX XXXX. I received confirmation that XXXX XXXX received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: CA

Complaint narrative:
This company started to call me yesterday from this number XXXX. 
They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing. 
At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
XX/XX/XXXX I just got off the phone with CAPSTONE CREDIT COLLECTIONS LLC XXXX XXXX told me to stop wasting the governments money and go get a job to pay the money to them. i ask for the contract to show that they have the right to collect the debt he sent me an outdated contract from XX/XX/XXXX which was a general contract giving them permission to collect for XXXX  AT XXXX XXXX along with the new contract which he sent that's from XXXX XXXX XXXX from XX/XX/XXXX now its a new owner new company XXXX XXXX i asked for the new contract CAPSTONE does not have a contract to continue to try to collect anything. the company doesn't own or have a agreement to collect any debt or report any debt since XX/XX/XXXX which was XXXX AT XXXX XXXX which no longer exist.the sole purpose of this company is to trick people into paying debt that they can dispute and for CAPSTONE to try to collect a debt an pocket all the money without having to pay the original creditor is FRAUD and criminal. also XXXX told me why dont i put this energy into getting some money instead of being a pain in his XXXX and bothering them, which is the reason i need this off my credit report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: IN

Complaint narrative:
While serving oversees my Idenity was compromised. The item below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9.  XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been receiving phone calls from Midland Funding LLC/Midland Credit Management almost daily since XXXX. The first call occurred on XX/XX/XXXX at XXXX XXXX from the number XXXX ( XXXX ) XXXX, which called again on XX/XX/XXXX. Over the past two months, the other numbers potentially belonging to this company ( or being spoofed by it ) that have called me include : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX All of these numbers leave messages that are either empty air, no one speaking but background noise that sounds like an office, or static and one person saying " XXXX '' then hanging up. There is never any information about who is calling, why they are calling, or how I can get in contact. My name is also not XXXX, and I have not co-signed on any loans or other financial agreements for anyone named XXXX. My credit history shows no sign of tampering or fraud and I know exactly who I owe money to and why, and Midland does not own any of my debt ( I've never gone into default or bankruptcy and carry a small debt load ). 

In XX/XX/XXXX I started getting text messages for someone named XXXX XXXX from what seemed to be payday loan companies. Those texts continued through this XX/XX/XXXX, and I logged each of them with my phone company ( XXXX ) as spam. The texts did not come from identifiable phone numbers. 

I've blocked the numbers listed above, but before I did so I attempted to call back and speak with a representative of the company to let them know they had the wrong person 's number. The phone calls dropped immediately and I wasn't able to contact anyone. 

Midland seems to be rotating through numbers in order to get around any blocks. The same number will call every other day for a week or so to leave messages for XXXX, then a new number will call leaving the same messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an XXXX representative he informed me that no information has to be verified, They just leave it without proper investigation.

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 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
The original debtor cleared the debt in XX/XX/XXXX. They removed the accounts from my medical record and did not further communicate with me outside of sending a letter confirmation that I owed a XXXX balance. 

On XXXX XXXX, XXXX, I received email notification that 12 accounts were added to my credit as derogatory marks. When I contacted the original debtor they could not help and that they did not clear the accounts ( again, I have documentation ). The collection company is lying and saying they made contact with me about this and that these items have been in collections for years - I have screen shots that these accounts were added on XX/XX/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