vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I initially filed a complaint XXXX and stated the below. 

" Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). '' company responded " Ref # XXXX {$200.00}, # XXXX {$170.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX XXXX. Please let it be known that this complaint was taken very seriously. XXXX XXXX 's complaint was examined by our Compliance Department, and a request was made to retrieve call recordings. There were no calls found. Our company did not file litigation on either account and have no intention to do so. Commonwealth Financial Systems was assigned both accounts for collections on XX/XX/XXXX. We are a third-party collection agency and as such we no not have contracts directly with consumers. We service accounts on behalf of our clients. Letters of validation were mailed to XXXX XXXX on or around XX/XX/XXXX. Commonwealth will send a deletion request to the three major credit reporting agencies to remove the accounts from XXXX XXXX 's credit history as the accounts are being investigated. In addition itemized billing statements will be mailed to him to the address listed in this complaint. I hope this response is satisfactory to XXXX XXXX and addressed his concerns. XXXX XXXX can contact our agency should he wish to discuss this matter by calling our toll free number, XXXX ext XXXX, XXXX XXXX XXXX , Collection Manager. If he has any correspondence that would verify that he is not responsible for this debt he should send it to our office so that we can forward to our client to be researched. He can mail it to our address XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax to the Client Services Department { XXXX } XXXX, or email XXXX. Please do not hesitate to contact my office should you need further assistance. Thank You. XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Company has not deleted this collection account from my XXXX report as they said they would as per the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent Portfolio Recovery Associates a letter for debt validation asking for specific items to verify that the account was mine. Porfolio Recovery responded back on XX/XX/XXXX with a credit card statement and says that it establish validity. The account that they referenced was proven invalid through the dispute process in XX/XX/XXXX and was removed from my credit report. Portfolio Recovery is attempting to extort money from me through mail fraud. Portfolio Recovery did not send me the item I requested to prove validity of the debt that I requested. This account does not belong to me and I am demanding the removal of this invalid debt. This fraudulent account is damaging my reputation with new creditors and preventing me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I lost all income and currently have none now and am now reliant on my boyfriend I also experienced some health issues but also explains that the company did not want to hear anything I had to say as I have never had a rougher time they continued to send letters threatening to sue me then I got a paper where they were denied in local civil court 4 months after they filed due to the mail man never delivering the original document I guess but then around XXXX I get a call from the constable that hes at my boyfriends apartment to serve me with court papers just what every mom wants to hear especially when they dont even have two nickels to rub together the constable delivers them the day after XXXX and my neighbors see this which is embarrassing because I lost my income. This company really has no consideration they arent willing to work with me I have the other letters where they are demanding either half the money or 5 payments but like I said if I have no money how can I they wont even work with me? They will even try to claim people didnt speak with them because they have some weird attorneys supposedly handling it but I spoke to the company not the those other people. The company even has been on my credit checking it every so often which I dont like which Im not referring to capitalone but whom ever is claiming to be their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting late payments to several of my student loan accounts. During the time late payments are reflecting on credit report my student loans for in forbearance due to financial hardship and loss of employment. Late payments are inaccurately reported with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: AR

Complaint narrative:
I received a response from Experian that they will not reinvestigate an inaccurate fraudulent account that was deleted previously due to Identity theft. This said accounts XXXX XXXX. XXXX XXXX XXXX ; XXXX ; XXXX where reposted on to my credit report without notifying me first. The XXXX. XXXX. XXXX XXXX claims that it 's a different account. When in fact it 's not. They just have the different account number from the previous accounts that were deleted. Experian told me to provide proof in order to have these accounts deleted. I did send Experian proof in addition to an Affidavit Of Fact and Truth that I contacted the XXXX XXXX XXXX XXXX back on XX/XX/XXXX, by certified mail Tracking Number : XXXX and I told Experian that I had not received a reply from The XXXX XXXX. XXXX  XXXX. Please See attachment1. Experian still successfully validated those fraudulent unknown collection accounts on XX/XX/XXXX as my collection accounts, without providing me any evidence of an actual original instrument or contract signed by me according to Sect 609. Or accepting any of my evidence of default into consideration. Experian has deprived me of any rights that I have under federal law and remedies. I 've included the letter and sworn Affidavit Of Truth and Facts sent to Experian as an attachment below.

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 2018-01-19 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:
I have fraud alert added to my credit report because I found about six unauthorized hard inquiries on my credit report. After contacting XXXX & Equifax about to them, XXXX immediately removed them, Equifax has kept them on. This is fraud and I want them removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask Experian and XXXX customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing 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 ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.

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 2018-01-19 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: MD

Complaint narrative:
Every single month since my dispute XX/XX/2017 XXXX and XXXX XXXX XXXX process investigative process as follows : 1. i would submit dispute to credit bureau credit bureau sends a generic message stating item is being investigated 2. within 30 days creditor will make two separate updates on two accounts removing and adding on various derogatory remarks and/or info to lower score that went from mid XXXX ( fair ) on XXXX to lower XXXX ( poor )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: MS

Complaint narrative:
Portfolio Recovery Associates Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX Date opened : XXXX XXXX, 2017 In the amount of {$570.00} I disputed with this company they only provided me with a printed out payment history. They did not validate the debt nor validate any type of signatures associated with the debt. 

To whom it may concern at Portfolio Recovery Associates Be advised that this is not a refusal to pay and This is not a request for " verification '' or proof of my mailing address but a Request for VALIDATION of the debt you say I owe pursant to 15 USC 1692g Sec. 809 ( b ) of thd FDCPA. 
If fail to provide Validation I am requesting immediate removal of the debt from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from capital one which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing 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 ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
For some reason ERC has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating serious issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account directly with ERC on XXXX XXXX, 2017. To date, ERC continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to validate this account. The FDCPA states they must cease collection activity until they have produced validation of the alleged debt, that includes furnishing and verifying information on my credit reports. I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unvalidated accounts must be deleted. 

Who validated this account? What documents did they use to validate? Where are the documents used to validate? 

I never received correspondence from ERC. This company is in violation for continuing to validate the account with the credit bureaus without providing the evidence as requested. It is my contention that ERC know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ERC is blatantly disregarding the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX and I 've already contacted you regarding this matter. Amount of {$120.00} supposed to come to my bank account through the Quick Pay XXXX. However, it came to the different account with my old name XXXX XXXX. Please look into it deeply and do n't rush to say that you do n't see this transaction on my account. Of course, you wo n't see it, as I 've mentioned before I 've never received the money. 
If any questions call me at XXXX. 
Would love to get you help on 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 2018-01-19 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: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I called XXXX at XXXX Bank on XX/XX/XXXX and left a message. XXXX returned my call on XX/XX/XXXX and asked for screenshots of the reported balances on my credit report. I emailed the requested information on XX/XX/XXXX, called and confirmed they were received. I was told to give him a few days to research and he would call me back. However, I called XX/XX/XXXX to check the status and left a message for XXXX to call me back as I have not heard anything. This is a repeat issue Ive been having with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I was called and offered a settlement on a debt for less then owed. I agreed to do it if they removed the collection from my credit report vs just saying it was paid. They agreed but once payment cleared they only updated it and refuse to remove it from my credit as promised. I feel it 's fraud.

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
coinbase XXXX confirmation says money withdrawal completed of amount {$9900.00}, but nothing happened, My bank XXXX XXXX did not receive the monry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: UT

Complaint narrative:
So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.

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