vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SCA Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX RE : XXXX XXXX XXXX ( {$63.00} ) To Whom It May Concern : This letter is regarding XXXX XXXX XXXX, which you claim I owe {$63.00}. This is a formal letter that your claim is disputed.

By not replying in a timely manner to my initial letter onXX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies. ( 15 U.S.C. 168s-2 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in small claims action against your company.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

I sent SCA a certified letter onXX/XX/XXXX, which was received and signed for onXX/XX/XXXX. They never reported to any consumer reporting agency that this account was in dispute. According to the FCRA & FDCPA, SCA had 30 days to report this dispute and they did not. Therefore, they must remove this item from my credit report 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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit 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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company began trying to collect on this debt inXX/XX/2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit 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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stewart Information Services
State: CA

Complaint narrative:
We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to  vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This past month I received a XXXX monitoring alert that KOHL 's had put a 'hard inquiry ' on XXXX even though I processed a 7 year Fraud Alert, a security freeze and pleas with them that this was FRAUDULENT and the hard inquiry needed to be removed. 

They told me they don't remove them, I would have to call the credit reporting agency, but they would CLOSE my account. CLOSE an account I never opened. 

I tweeted that I was going to report them to the CFPB because the inquiries from fraudulent online applications caused my XXXX of XXXX to drop to XXXX even though NONE of the hard inquiries are legitimate. 

I am tired of these credit card companies not taking responsibility to remove a hard inquiry I never initiated. All KOHL '' S is interested in is finding customers who want to get credit at 29 % interest and not doing what is right. They don't apologize for their arrogance and damage they cause by refusing to remove it. NOW they say it will take 120 days to do it, " if '' they do it at all. Outrageous!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
During the Irma Hurricane, the mortgage company offered me a XXXX month forbearance without explaining clearly that after 90 days, the full amount of the three payments would be due all at once. I have been complaint with all requirements and payments scheduled and I am now in a repayment plan after being denied and no written reason ( I have been reported to the credit report for delinquency in my mortgage )

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 2018-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed XXXX XXXX XXXX {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX, tried to refinance my home without my knowledge and without my authorization. He said XXXX XXXX said I agreed to that. They came out and did an appraisal on the home without my authorization. XXXX XXXX used a card that was removed from her, and cancelled to charge the {$520.00} fee. I informed XXXX XXXX that XXXX XXXX and I are getting a divorced and that she has no authorization to use cards that are solely issued to me and only me and that they need to remove the charge and go through her to get the payment as I would not like to be charged for some service I did not want. He also told me I needed to take my home of the market during the hottest spring season to date. I said I will not as we have many buyers looking to purchase this home. I have a transcript of XXXX XXXX telling his underwriters to remove me from the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ballybunion Enterprises, Inc
State: NC

Complaint narrative:
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX  EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.

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 2018-03-30 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: AFNI INC.
State: FL

Complaint narrative:
Dispute with XXXX for negative effect on credit for services not rendered or incomplete, equipment returned to facility. 

XX/XX/XXXX. XXXX service installation appointment made XX/XX/XXXX XXXX technician tried to install service ( unsuccessfully ) XX/XX/XXXX ( same Day of install ) all equipment returned to local facility due to incomplete new service or install. representative stated that was all that was needed and account will be credited and deactivate. 
XX/XX/XXXX, XX/XX/XXXX statements continued from XXXX for a amount of {$830.00} owed. 
XX/XX/XXXX contacted XXXX customer service they state equipment is missing XX/XX/XXXX notice of account in collections for amount of {$740.00} XX/XX/XXXX sent certified mail letter to XXXX XXXX in regards to this matter. 
Continued notices for collections and certified mail with copies of equipment returned and dates provided. 

XX/XX/XXXX notice from XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX notice from XXXX XXXX as of XX/XX/XXXX i am still receiving notices in collections. 

This is an ongoing issue i have tried to fix this issue several times but accounts keeps changing in hand to a different collections agency. I again returned equipment to local facility, person at facility stated that was all that needed to be done account will be deactivated and credited. This was all with in 30 days of new installation or service, technician had difficulty installing service in the home, installation Issue was never resolved. 

This has effected my credit rating and score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had a XXXX XXXX loan serviced by XXXX ( i/a/o {$12000.00} ). Navient purchased the loan and took over servicing. I also have two other loans serviced by XXXX that are staying with XXXX. I received communication from Navient to continue making payment to XXXX and that Navient would receive any payments made during the period when the loan was crossing systems. Specifically I received an email on XX/XX/XXXX stating : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account. '' On XX/XX/XXXX I received my monthly billing statement from XXXX indicating my payment was due on this loan ( i/a/o {$110.00} ) on XX/XX/XXXX. I made my payment on XX/XX/XXXX ( Saturday ) and it posted to the AES account on XX/XX/XXXX ( Monday ). I logged into my AES account on XX/XX/XXXX and the loan was no longer reflecting and the payment had been posted to my other two XXXX loans as an overpayment. I logged into Navient and did not see the loan they were purchasing so I waited a few days until I did see the account. It was reflecting a payment due on XX/XX/XXXX i/a/o {$110.00} ( which I had already paid to XXXX ). I also have not received a billing statement from Navient indicating the payment due ( as mentioned the XXXX payment had been included on the XXXX bill ). I emailed Navient on XX/XX/XXXX ( Tuesday ) asking why a payment was due on XX/XX/XXXX and why I hadn't received a billing statement from Navient or any other communication indicating that the loan had transitioned to Navient. The reason why I am able to log into Navient is that I had another loan with them ( which I repaid last year and thought I was done with them ). I haven't received a response from Navient so this morning ( Friday XX/XX/XXXX ) I called Navient to ask why the payment to XXXX hadn't been transferred to Navient and why I hadn't received any billing statement or other communication from Navient indicating the actual transition of the loan. The representative said that it was my responsibility to contact XXXX and ask for the money to be refunded and then to make payment to Navient. I think this is an unreasonable solution since I was billed by XXXX and paid XXXX. Navient purchased the loan and should have established processes to ensure uninterrupted service to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I spoke with Transunion supervisor XXXX XXXX, who would not help and take care of the negative inquiries reporting on my Transunion credit report due to being a victim of there " Inquiry issue ''. Negative Inquires listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2018-03-30 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: MI

Complaint narrative:
I had a couple of errors removed on my credit report with Experian. One of the accounts are showing its in collections.Experian Report number # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .... It is still showing it was in collections which this account was never in collections and this account was paid on time. On XX/XX/2018 I went down to the XXXX XXXX XXXX XXXX to dispute this and they found out there was a error on there part. I have asked them to remove the collections from my account and they said there's nothing they can do about it and that I have to dispute it with Experian. I asked the lady if they can give me a copy of there mistake to give to Experian for them to remove it off my credit report and they told me that they can not give me that information. I have been disputing this for over two years with Experian. This is the 5th time I have contacted Experian and they have failed to delete the collections on this account and turn it into a positive. Experian has said that they have looked into, but never received any information to prove it was in collections. It has been two years disputing this and its Clearly violation of Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more then merely parroting information received from other sources.That 's all Experian has been doing the past couple of years and its against the law and clearly in violation of 1681 ( a ) ( 4 ) I asked Experian to give me the name of the person in their company who verified the accuracy of the account, but Experian ignored this request as well which is another violation of Federal Law! The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if Experian fail to comply with Federal Law. I  want Experian to know if we go to litigation and their company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that Experian used to verify the dispute account.So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- Experian is required to " promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure are already aware of. 

Delete the negative collection on this account : XXXX XXXX XXXX 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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: IL

Complaint narrative:
XXXX the customer service rep and XXXX the supervisor spoke with me and both were very rude and they keep calling me for something that is not my account and they have threatened me and continue to harass me at work even though I've asked them to stop calling me on my cell phone while I'm working which has not stopped yet. I've asked them to verify the account and I was told if they have my birthday then its me. Wow, they do no verification to verify if this is actually my bill they just keep calling and harassing me. I am being called at least five times a day. The number they keep calling from is ( XXXX ) XXXX. Hep to end these threats and harassment. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company began reporting the account in collections in 2012. Fortunately, this company is neither licensed or bonded in the state of Texas to collect debt. By law, they are required to remove this account from my credit 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