vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is a total scam supposedly portfolio recovery, they call daily I will not answear from reports I have read they are targeting vulnerable seniors, I am presently blocking all calls and I will continue to do so, but I hope something can be done about these obvious criminals for the sake of hard working all their lives vulnerable seniors. 
I have been on do not call list since XX/XX/2009. 
My social was compromised XX/XX/2009. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 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: NY

Complaint narrative:
On XXXX of 2017 I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago. 

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price. 

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, Experian ) answered my request for an investigation. All three came back marked, " Debt Confirmed

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 2018-06-10 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:
To Whom It May Concern, On XX/XX/XXXX, I filed a request/dispute with XXXX, and Experian via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - XXXX, and Experian then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX  ) from their records, I feel XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the XXXX is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a  consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at  XXXX, and Experian

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 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc
State: FL

Complaint narrative:
On XX/XX/2018 I received a phone call from East Point Recovery Group from a man named XXXX XXXX who wanted to speak to me about a loan that I took out from XXXX that got sent to their company to collect the debt. Speaking to him he openly admitted to me that he spoke to my 'estranged father ' who I haven't spoken with in years and who is no longer apart of my life about the debt that I owe, how much it is for, and the deal they are willing to offer me. My father is not on any documentation that would authorize them to call him or disclose my personal information to him and this man told me he was on the loan and was very easy to contact him and he did not go digging for him information to contact him ( not true ). I have never received a phone call from them before I spoke to XXXX XXXX on this day. While speaking with this man we had made a deal that I would speak with him in 2 weeks on what I will choose to do as I need to find a way to come up with the money. During this conversation and in later conversations they had told me multiple times there will a good possibility I will be litigated against if I do not settle this debt soon. Days later I spoke with the manager of this company named named XXXX XXXX. They had called me multiple times days later after I had agreed to speak with them again in 2 weeks. These dates they called me were on XX/XX/XXXX and XX/XX/XXXX. When I finally called them back XXXX XXXX was more aggressive with the matter saying they need to figure this out in the next couple days, threatened the possibility of me being sued, etc.. I had asked her for an invoice on how they are coming up with the amount I owe ( {$3300.00} ) and she said she cant legally give me that. I asked her to send me something in the mail showing me they are allowed to collect this debt and she said they can't mail me anything again because they already tried but I never received anything in the mail and are legally allowed to mail me again. I asked for original documentation of me signing for this loan ( just trying to find anything to show me some proof they are allowed to collect the debt ) and she said they don't have it. I was then emailed that day documentation of me signing for these paper with the papers being a XXXX and with my E-signature on it but I never authorized anybody to do so, this loan was approved in person with my own personal signature. Also on these documents she sent me there is other false information on there saying I signed for this loan at a certain time which is false, an email from XXXX that is false, and a credit score of mine when the loan was approved which is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: CORELOGIC INC
State: NY

Complaint narrative:
Inquiries tHat should be off the 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 explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.

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 2018-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My complaint is with Ocwen Mortgage Lender. Ocwen is more of a debt collector as suppose to a traditional Mortgage Lender because costumers get none of the benefits that come along with having a mortgage loan from a traditional mortgage Bank. 
I was a victim of Hurricane Irma. Ocwen gave me a three month mortgage relief plan. After three months the repayment plan was almost double my original monthly payment, so I asked for a modification. During that time they gave me another 3 month extension until the modification was complete with affordable payments. The modification that I was given increased my interest rate which made my monthly payments unbearable with the diaster I already endured with Hurricane Irma. I rejected the modification and proceeded to talk with Ocwen about alternative agreements. Each relationship manager tells me a different scenario. No one is accountable for your account but only calling to collect a debt. When you ask them to review the notes from your previous call with the previous relationship manager you find out that they only wrote notes on half the issue discussed and practically none of the resolution.So you are back to square one. They drag out this process with misinformation until your home is in foreclosure. That is my situation. I am facing foreclosure due to neglect on the part of Ocwen. Also most of the customer service agents or ( relationship Managers ) as they refer to themselves do not speak English clearly but appear to be in another country reading from a script. Please direct me to the proper channels so I can attempt to get this situation rectified before I lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Inquiries tHat should be off the 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 2018-06-10 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: Innovis
State: NY

Complaint narrative:
Inquiries tHat should be off the report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I switched cell phone providers from XXXX to XXXX. I called XXXX, who I had been with for 10+ years, to cancel my service. I had 2 leases XXXX on my account, which needed to be returned to XXXX upon cancellation. The customer service representative at XXXX asked if I would like a return kit sent to me in the mail, or if I wanted to return the phones to a company owned XXXX store. I told her I would return them to the XXXX store, and she directed to the the store at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I returned the 2 phones, in person, at the location that the XXXX employee directed me to. I have email confirmation from an employee at that location confirming that the phones were returned. I then received a bill from XXXX for {$440.00} for not returning the phones. I called and explained that I returned the phones, and was told the charges would drop off of my bill. 2-3 months later the unpaid balance showed up on my credit report. I called again, explained the situation, told them I had an email confirmation of the phones being returned, and was told a supervisor would return my call. I never received a return call, but the charge dropped of my credit report, so I assumed the issue was taken care of. I havent received a bill or any communication from XXXX since XX/XX/XXXX. However, I now show the unpaid collection balance of {$440.00} on my credit report. Ive tried to deal with XXXX directly to resolve this issue, as I followed the instructions given to me by the company on how to cancel service and return equipment, I have an email from XXXX confirming the return of the phones, but Im being charged, and my credit negatively affected by the companies disorganization and unfair billing practices. Not to mention that they have failed to notify me of an outstanding debt for the last 15 months, and then proceeded to place the account in collections on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.

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 2018-06-10 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: NE

Complaint narrative:
Recieved a phone call from a XXXX  area code claiming to be attempting to collect a debt for a XXXX XXXX account. When I asked how a company that no longer exists was trying to collect a debt they said that XXXX XXXX had taken over their accounts. Despite an uneasy feeling I set up a payment plan to settle the debt and was told I would receive an email confirmation of the plan. 
After not receiving the email and reaching out to XXXX XXXX I deemed the company to be illegitimate and cancelled my card. On the date of the first scheduled payment I received a follow-up call from another XXXX area code. After explaining the issues I had with the way they had done business thus far I told them I wouldn't set up another payment plan until I had received an email from their company as I had been promised. Once I received the email I found out that they are not located in XXXX. In fact, Unifin Inc. only has a XXXX XXXX in XXXX listed as an address. 
Seeing this I looked up who acquired XXXX XXXX and found out that they were purchased by XXXX/XXXX. I called XXXX XXXX  and asked if they could find any record of me and they couldn't and told me they have their own debt collectors and the number I was called from has no association with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX  to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate this matter

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 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few years ago I had an account with XXXX XXXX. I left that bank and did not close the account. A few years later I started working on my credit and noticed that I had a {$29.00} charge off collection from XXXX XXXX. I called them and they explained that it came from the account never being closed and that maintenance fees are what made the account overdraw. It only being {$29.00}, I agreed to pay them and have it removed from my credit report. I sent them a money order for the full amount and within a few weeks the information on my credit report updated, showing the account had been paid. I agreed to pay them because they said it would be removed from my report. Not only is it still on my report, but it does not show the original {$29.00} amount that was being charged-off. So other creditors look at my account a see a charge-off showing paid in full with no original amount. 
They agreed to remove this from my report if I gave them the {$29.00}. Reporting as is does not make it much better had I refused to pay them, because now potential creditors have no way of knowing the original charge-off amount. This is a small bank, based in Alabama, that I should have never done business with.

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 2018-06-10 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:
XXXX XXXX {$3400.00} XXXX XXXX XXXX   {$990.00} I have called credit bureaus which did not help much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: NY

Complaint narrative:
On XX/XX/2017I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX  representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay.

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed

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 2018-06-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX  raised the price on one of the components of the service. I advised XXXX  at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX  sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( Equiafax, XXXX, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed

Company response to consumer: Closed with explanation