vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
**THIS IS NOT A DUPLICATE COMPLAINT** This is a SECOND ATTEMPT because this company has failed Federal Trade Commissions guidelines of what constitutes proper debt validation** I have previously sent two requests to validate this alleged debt on XX/XX/2018 and XX/XX/2018 under the Fair Debt Collection Act and all I received was a two statements of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have contacted XXXX XXXX XXXX XXXX and they do not have any record on file. They are still reporting this alleged collection on my credit report, which is considered a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. THEY HAVE ALSO FAILED to provide me the following and I demand the following immediately based on my rights under FCPDA. What the money THEY say I owe is for : Explain and show me how theycalculated what they say I owe them : Provide me with copies of any papers that show I agreed to pay them what they say I owe : Provide a verification or copy of any judgment if applicable : Show me they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if they do not immediately remove this account from my credit report, they are subject to another {$1000.00} fine, plus punitive damages. I am sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from this company within 15 days followed with additional complaints to the XXXX and the Attorney General of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

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 2018-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2018 {$300.00} was sent from our Wells Fargo account through XXXX to a person supposedly named XXXX XXXX, whose email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my wife XXXX XXXX. That transfer occurred about XXXX XXXX   MST. The money was in exchange for 2 XXXX football tickets for XXXX XXXX & XXXX XXXX. The tickets were promised to be sent to my XXXX Account, but never were. 
My wife spoke with Wells Fargo and they said nothing could be done. They did not offer to identify the bank connected to the XXXX XXXX email. 
The tickets were advertised on XXXX XXXX. 
I spoke with customer service at XXXX to no avail ; they said it was Wells Fargos issue and would not identify the bank that was connected to the XXXX XXXX email in their system. I also informed XXXX of the fraudulent advertising. 
Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse us for this complaint. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Private Student Loan Account has been disputed with Equifax Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with XXXX XXXX XXXX. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called Equifax to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for XXXX XXXX XXXX only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX  and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018XX/XX/2018, XX/XX/2018 XX/XX/2018, and again todayXX/XX/2018. I have no options to speak with some one to clear up this account one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE HAD A FRAUD ALERT ON MY PERSONAL CREDIT FOR THE PAST TWO YEARS AND NUMEROUS INQUIRIES ON MY CREDIT HAVE SHOWN UP BY WAY OF FRAUD AND WITHOUT MY CONSENT. THE OTHER TWO CREDIT REPORTING COMPANIES HAVE HONERED MY FRAUD ALERT ON MY PERSONAL CREDIT AND HAVE REMOVED INQUIRES I HAVE NOT AUTHORIZED NOR SIGNED FOR. TRANSUNION HAS FAILED TO DO SO. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : 1 ). XXXXXXXX XXXX-DATE XXXX-NOT MINE AND DID NOT AUTHORIZE 2 ) XXXX XXXX XXXX XXXX CAPIT-DATEXX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE 3 ). XXXX XXXX XXXX-DATE-XX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I got a call from Navient on XX/XX/2016 saying I qualify for loan consolidation. He told me that they would consolidate all of my federal loans into one or two trade lines. After 3 months in forbearance, they only consolidated ( 7 ) of my federal loans in the amount of {$19000.00}. In XXXX of 2016, Navient made ( 3 ) disbursements and ( 2 ) adjustments in the amount of {$21000.00}. This is {$2600.00} more than what they paid for my ( 7 ) federal loans in question. In addition, I had to pay a one time fee of {$790.00} to have Navient consolidate my loans. The Navient representative 's name was XXXX and his number was XXXX. He told me that the whole point in consolidating my loans would be to reduce the amount of trade lines from my federal loans as well as lower my interest rate. The current interest rate on my loans with Navient is 4 %. ( 4 ) of the ( 7 ) federal loans that Navient paid off had interest rates lower than 4 %. I was absolutely misled into believing that consolidating my loans with Navient would save me money in the long run. This is not the case at all. Not only did my loan amount increase {$3700.00}, but i paid a one time fee of {$790.00} and my interest rate went up for ( 4 ) of the ( 7 ) loans. Navient consolidated 7 trade lines into 2 ( Subsidized and Unsubsidized ). They took advantage of me right out of college by telling me i was qualified for the XXXX student loan forgiveness Act. None of the things that occurred above had anything to do with this Act. Instead, my loan is now bigger with a higher interest rate. I recently got word of a lawsuit against Navient which made me take a deep dive into what occurred back in XXXX of 2016. I now see that i was misled and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I got out of the military and opened different lines of credit as I continued my career in the civilian sector. On every credit account that was opened, I also opted in to the " XXXX insurance '' on said accounts to ensure that I was covered in the event of XXXX. This includes two debts from portfolio recovery in the amounts of {$390.00} and another for {$3100.00}. This year, I underwent a XXXX that caused me to become a XXXX XXXX XXXX  XXXX Veteran. Upon becoming XXXX, my Wife contacted the original creditors in order to implement the XXXX protection on my accounts. I have asked Portfolio Recovery repeatedly to verify that there was no XXXX insurance on my accounts, as they are trying to collect on a debt that was covered. I have disputed with the credit bureaus and asked them to show this information and they have not- to date, yet continue to report negatively. I was never given any notice of the debts before they showed up on my credit report and then why I asked for validation because I knew I had XXXX insurance, the request was simply ignored. I only learned of the amount claimed that I owe, based off of my credit report. Today, XX/XX/XXXX- I logged onto the portfolio recovery website and clicked " live chat ''. I asked if the debts were cleared up and was told that I had to call in. I have XXXX issues that prevent me from taking deep breaths, but have to call in to speak to a rep to try to resolve this from reporting? That is absurd. I am trying to resolve any credit issues that I have, but this company refuses to help me do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: MO

Complaint narrative:
I disputed the legality of the debt because I do not recognize XXXX. I took out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back in XXXX in the amount of {$800.00}. I paid three payments of {$250.00} with one returned by my bank for NSF. They re-ran this ACH three subsequent times, causing further overdrafts. Then in XX/XX/XXXX of this year, I started getting correspondence from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX is a tribal entity that bought this debt and onctheir behalf, the above collection agency is trying to collect {$1500.00}. I am disputing this allegation/claim because I have never done business with XXXX. Also, XXXX XXXX XXXX refused to verify the original debtor, XXXX, the original date of the debt and the amount. They listed it on my credit report as a debt originated in XX/XX/XXXX, which they are claiming as a new debt. Further, they are using an ACH withdrawal per XXXX ; to verify the debt as being owed to them. When I spoke to XXXX, he asked for my SSN, which I provided and said I did not recognize the loan originator and the dates. He then mentioned XXXX and pressured me to settle. I was unable to clarify to him that the debt originator and dates were incorrect. He was rude and told me I listened to you and now you will listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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:
I would like to know how the bankruptcy that is on my credit report was verified and by which company?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : PNC BANK, NA Account Number : XXXX Date : XX/XX/2014 Amount : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
I was called on my cell number by Capital Accounts and they did not verify my identity, simply asked if I was by my first name and then when I said yes told me they were collecting a debt. I told them not to call me on any phone and they told me they would keep calling me until I requested a cease in writing. They then called me at my workplace and I told them to stop calling me and once again they refused and once again they failed to properly identify me before talking to me about debts. They then called me at my workplace again, which is a clear violation of my rights. I told them I disputed the debt and they refused to take the dispute verbally and also did not verify who I was before speaking of the debt yet again. They are harassing me for no reason and have violated my rights on multiple occasions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Benjamin Chaise & Associates
State: GA

Complaint narrative:
They keep calling both my phone and my wife 's phone for a business debt. They use " restricted '' number. They call an average of 12 times  per day. 

her name is XXXX XXXX Benjamin Chaisse and Associates XXXX XXXX, ext XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SANTANDER CONSUMER U Account Number : XXXX Date : XX/XX/2014 Amount : {$3200.00}

Company response to consumer: Closed with explanation