vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 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: CA

Complaint narrative:
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: CA

Complaint narrative:
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.

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 2017-11-11 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: Midwest Recovery Systems
State: AK

Complaint narrative:
I filed a complaint about this already ; however, the information is on all 3 credit reports. On XX/XX/XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from Midwest Recovery Systems.
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor.
I called all the numbers for Midwest Recovery Systems found on the internet and provided on the credit report, none are good working numbers.
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent.
On XX/XX/XXXX I found that all 3 major credit reports show this debt.
Midwest violated the Federal Debt Protection Act by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery is reportinig inaccurately on my credit report. There are 3 accounts that show on my credit reports that are not mine. I have never received anything from this company to Validate this request. This debt is showing from XX/XX/XXXXbut I never received anything from them stating it was my account. I disputed with the account with XXXX, XXXX, and XXXX and the accounts were updated with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month and they sent me a copy of a bill at an address I have never lived. I asked them to validate the debt and send me a copy of what I allegedly signed for this account and I still have not received it.. I am attaching the letter sent to this company and the proof of certified letter. I want to be provided the actual contract that I allegedly signed for this company. I have informed this company that I have never lived at this address in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
Optimum Outcomes Inc XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: Midwest Recovery Systems
State: NY

Complaint narrative:
I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX  report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports 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 explanation
Consumer complaint received 2017-11-11 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: AK

Complaint narrative:
I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: AK

Complaint narrative:
I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports 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 explanation
Consumer complaint received 2017-11-11 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: TX

Complaint narrative:
On XX/XX/XXXX, I opened a dispute with Experian regarding a collection with XX/XX/XXXX. I received an updated credit report on XX/XX/XXXX and the collection account has been deleted. XX/XX/XXXX I received another updated report and the collection account was back on my report. I contacted them stating that 5day FCRA notification law states I have to be contacted prior to account being added back to my report. Several reps I spoke with and one in the fraud department stated they could not remove the account without disputing the information. I dont agree with this and I want this fraudulent account removed.

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 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I continue to get calls and letters from XXXX XXXX XXXX XXXX about a debt that I am not sure if it is valid or not. I am not sure I ever had a Providian account but I do know I had a Washington Mutual that bought out Providian in XX/XX/XXXX which was then bought out, and I received a Chase card, XX/XX/XXXX. My Chase card has been closed for over seven years. They are trying to collect a debt from Providian ( which has n't been in business since XX/XX/XXXX way past the SOL of six years CRS. I have spoken on the phone with them numerous times ( They use spoofed phone numbers ) and repeatedly have asked them to validate the debt and provide date of last activity which they fail to do CRS 12-14-109. Validation of debts. This has been going on for six months. They call my business which I have repeatedly asked them not to. They call my home multiple times a day which forced me to send them a cease and desist letter, which surprisingly they have followed unless they are still using spoofed numbers and not leaving a voicemail. On the phone they tell me they are attorneys, CRS 12-14-107 False or misleading representations, and will take me to court and have used vulgar language when I ask them to prove the debt, CRS 12-14-106. Harassment or abuse. I have received a somewhat threatening  letter from them stating they have exhausted all voluntary methods of resolutions. I continue to tell them that if the debt is valid, which I am not sure it is, the SOL is six years in Colorado C.R.S. 13-80-103.5 ( 1 ) ( a ) and they are way outside of the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid Continent Credit Services, Inc
State: NC

Complaint narrative:
My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
My Identity Information has previously been compromised and used to open several accounts and Inquiries without my permission. These are just some of the accounts that were opened that I do n't recognize.
Source Receivables Management/ XXXX Date Opened XXXX XXXX, 2017 {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ended up having an oversight on my due date for my citi card as I thought the payment was already scheduled. when I logged in to ctii credit card online portal two days after ( XX/XX/XXXX ) the fact of the payment due date ( XX/XX/XXXX ) I noticed that no payment was posted. I reviewed the history and immediately scheduled payment for that day ( XX/XX/XXXX ). The system had not assessed any late fees and once the payment was scheduled the system credited my balance immediately. I logged in today ( XX/XX/XXXX ) to see some other details and long and behold citi had assessed me a late fee the same day I posted payment ( XX/XX/XXXX ). Usually all my credit cards including the others I have with citi will assessed a late fee on late payments the following date after the missed due date. Citi did not assess the late fee only after I myself reminded their system that I was late by scheduling payment through their portal. In other words if I would have made payment using a third party the system would have not triggered to assess late fee two days after the fact of payment being late. i contacted XXXX from citi chat system and she kind of understood. She explained that she tried submitting a waiver and that Citi denied it. I told her it was not correct because even after i tried to correct the issue I still get penalized by citi, citi dropped the ball the day after the missed due date, now they 're trying to penalize me bc I tried correcting my oversight.

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 monetary relief
Consumer complaint received 2017-11-11 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: CA

Complaint narrative:
Regarding Navient student loan payment ofXX/XX/XXXXof XXXX. I think it is unfair that I have to make this one payment of {$150.00}. The recertification period, starting on XX/XX/XXXX. I filled out the I.B.R. annual recertification on-line. On XX/XX/XXXX I received notice from Navient that they needed a copy of my paystub, which I mailed immediately. I do not have access to a scanner, so I had to mail document. Later I received notice that they needed further clarification. I then had to mail another paystub to them. These delays resulted in this incorrect billing of {$150.00} between the I.B.R annual zero-payments of XX/XX/XXXXand the current I.B.R annual zero-payments for the period ending of XX/XX/XXXX. Your help in resolving this matter would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: CA

Complaint narrative:
This company repeatedly calls me, from phone number, XXXX. I do not know if another company that I complained against, simply sold the unknown debt to XXXX XXXX XXXX. 

I want this company to stop calling and put in writing, who they represent and what they claim is owed. Also, if your agency contacts this company, I do n't want them to simply write a letter of appeasement and then sell the unknown debt to somebody else, to repeat the cycle. 

I was taught that I first need a letter in writing and have 30 days to dispute the validity of the debt, in California, before a debt collector can legally call me.

Company response to consumer: Closed with explanation