vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Currency Services, Inc.
State: CA

Complaint narrative:
To whom it may concern, I XXXX XXXX sole owner of landline for 6 years have requested my number XXXX to be removed from your system for XXXX XXXX on multiple occasions and you have failed to comply so I am formally putting my request in writing and have also left a complaint message with XXXX XXXX. I will also be filing formal complaint with the Federal Trade Commision. I requested your business address today from the female representative after I told her I have requested my number be removed multiple times and that this was my home number not that of XXXX XXXX and she told me I would have to find it myself and disconnected the call. You are harassing me and interrupting my work abilities. I have never done business with this company. 


Continental Currency Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Peeved, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: IL

Complaint narrative:
The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX 6. XXXX XXXX 7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date  XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I dont recognize the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I received a phone call at XXXX XXXX  ( XX/XX/18 ) from XXXX XXXX XXXX XXXX. When I called back I was informed that this was a debt collection agency. After speaking with the agent over the phone I was informed i needed to verify who I was so that she would be allowed to speak to me. I reluctantly told her my information to then be told that I don't have a debt. 

My information included - name, address, last 4 of social, birthday ( month, day, year ) -- - at that point she said she was now allowed to tell me what the debt was because it was now verified. 

my concern is that I provided personal information and then was told there was no actual debt in place. 

I called back to the main line ( XXXX ) and they said that had no record of me in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, This complaint is against Equifax on their incompetence with following updating accurate personal information. As of XX/XX/XXXX, I, XXXX XXXX XXXX, after months dealing with Equifax jumping through hoops I received a letter stating they had updated my date of birth to XXXX as for some fradulant info had my DOB as XXXX XXXX. That's odd because if I that was my DOB one of the fradulant accouts that were open I would have been 4 years old. 

Here it is XXXX and now my DOB is still incorrect in their system as they didn't update my DOB and they still have the fraudalent birthday on their file. They said they don't see a case # related to my name back in XX/XX/XXXX. That's strange I have a 18 page report here on my desk from Equifax stating they updated my DOB! ( Confirmation # XXXX ) I have attached that letter from their within this complaint. 

Abosolutely Insane as they are to protect us! Outdated questions on information about my past credit cards ext ext. This should be updated by Congress the amount of questions they can ask! 

I have sent emails, been on the phone with 3 supervisors, faxed them all information. In order to now track it again I went on line and upload information on their website which they sent me another case reference # ( XXXX ) with a different fax # on the cover letter which no suprise the fax # not operating!! ( Wonderful Customer Service ) I am trying to purchase a vehicle & they have placed an extended fraud alert on my account from XX/XX/XXXX and says on their file blocked for promotional purposes. Yet I have sent all my documentations and they continue to not have the info corrected in a timely manner. 

How is it that Equifax is still in business being at their mercy. I will want to be in a class action suit against them for all my troubles with this Burea. I have all my documents from XX/XX/XXXX with Equifax and the investigation stating my information had been updated. 

Now XXXX Still having the same problem with them! This particular dealership only pulls from Equifax causing me to possibly lose the rebate to buy this car. 

Your assistitance in this matter would be greatly appreciated. 
Thank you Kindly for your assistance and attention the urgency of this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX  6. XXXX XXXX  7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2.  Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 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: LEXISNEXIS
State: CA

Complaint narrative:
LEXIS NEXIS VIA XXXX, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON LEXIS NEXIS WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER LEXIS NEXIS OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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:
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney

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 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
On XX/XX/18 i received a letter in the mail from CFSI of an attempt to collect a debt. I did not recognize this alleged debt and sent a request in writing for Validation via Certified mail on XX/XX/18. It was received by CFSI on XX/XX/18. CFSI has failed to respond to my correspondence in writing as requested. According to the Fair Credit Reporting Act, CFSI has 30 days to respond to my request for validation or they must cease reporting and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CA

Complaint narrative:
XXXX XXXX VIA XXXX, EQUIFAX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CA

Complaint narrative:
XXXX XXXX VIA EXPERIAN, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files byXX/XX/2017. 

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 explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
I was contacted by this company, XXXX XXXX XXXX XXXX, without ever having received any documentation from them. Also, the debt they are proposing to collect on belonged to another agency and I have received no documentation of assignment of debt, validation of debt, or any contact information. They have contacted me several times and I have now, thanks to the records of the Massachusetts Division of Banks, found that this agency is in fact NOT licensed in Massachusetts for Debt Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
11 years ago I had a life threatening medical issue for which I was hospitalized for over a week. I had no insurance at the time. I cashed in my XXXX IRA to pay the individual doctors, so now I have no retirement funds. I contacted the hospital and set up monthly payments and they agreed. About one year later they handed my debt over to this collection agency. At this time I sent a cease a desist letter to this agency, told them I was paying the hospital directly and they stopped communication. I continued making the payments for 10 years ( about {$5000.00} dollars ). This month I received a notice of a lein placed on my property with no notice of hearing. This agency is now making daily calls to my professional office. Please make it stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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:
According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
After being unemployed for several years, I secured a position at a XXXX XXXX in XX/XX/2018. I was excited to begin reducing my student loans that were on deferment for many months. Once I started working, I later applied for PSLF and submitted all the necessary documents. My first set of paperwork was submitted in XXXX but three months later, XXXX sent me a notice that it was incorrect. I immediately resubmitted the paperwork and continued to XXXX payments of {$400.00}. Later, I was sent a statement for {$200.00}, then another for {$380.00} because XXXX is unable to determine my income based repayment amount and none of my payments were applied to the PSLF program. See attached statement. I have spoken with a representative each month since then and they are still unable to determine an amount. My total amount paid is {$800.00} since XXXX and {$790.00} is applied to interest and {$.00} is applied to principal. It seems that this loan forgiveness program is a scam. A scam because it is taking  XXXX 3 months to determine my payments while I continue to pay and none of them were applied toward PSLF, which means I have to pay beyond the required time frame. The interest rate on the loan is 8.25 % and I am unable to set-up the auto payments for a rate reduction, because once again my final payment is undetermined. As per XXXX, they can not refi even with market rates at approx 4 %. I feel very betrayed by this program, considering my determination and excitement to finally having the ability to pay-down the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I dont recognize this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased two Airline tickets of XXXX XXXX with the amount {$470.00} through my Citi Card Credit. Then I found out the XXXX XXXX offered the cheaper ticket, as a result, I cancel the trip with XXXX XXXX. On XXXX XXXX I did call Representative Customer service of my Citi Card Credit to cancel the trip with XXXX XXXX and request to refund {$470.00} back to my account then they referred me to Dispute Charge Center to do that. On XXXX XXXX I did called the Representative customer service of XXXX XXXX to request the refund {$47000.00} to me then they referred me to their Refund request website to do that. Finally, Both refused to refund to me with the reason I didn't call them to cancel the trip while I did.

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 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ DATA INTERNATIONAL ACCOUNT IS XXXX BALANCE IS {$5500.00} I REQUEST THIS ACCOUNT TO BE DELETED FROM XXXX AND XXXX. XXXX   ALREADY DELETED IT FROM CREDIT REPORT, I WANT PROFF OF THIS DEBT SENT TO ME. OR BE DELETED FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation