vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have received repeated calls from  Trans World Systems, the  last call was received on  XXXX / XXXX / 2017  at  XXXX  from  XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor,  XXXX   XXXX   XXXX   XXXX , and received  XXXX   notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under  XXXX  different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of 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 2017-06-07 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: Profit Services Group
State: FL

Complaint narrative:
I have called the company responsible for reporting an account in " Open '' status multiple times over the last year, at least 5 times. Each time I call they refer me to XXXX who maintains they only report what they are given. There is an account that has settled in bankruptcy a year ago, and the company each month since then reports it as " Open Collections '' status and it should be " Closed '', as this was included and closed in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Sent certified letter to XXXX that they signed and received on XXXX/XXXX/17 alerting to them the fact that Portfolio Recovery Associates which I have been disputing directly with PRA and XXXX reported the same account to them on XXXX/XXXX/17 and it dropped my FICo score by XXXX points. This alleged account has been on my reports for awhile and I have been challenging it for some time. It looks to be reinserted which I was not notified of within 5 days and this is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( iii ). I am including the XXXX report XXXX dated XXXX/XXXX/17 and report XXXX dated XXXX/XXXX/17 which there is no change of reporting except date of status. This has always been reported as a collection account. I am also attaching a print out from my credit monitoring service dated XXXX/XXXX/17 showing that Portfolio Recovery XXXX has flagged the account as collections and a copy of the alert on XXXX/XXXX/17 stating a new collection has been added to my credit report causing the score to drop XXXX points! This is inaccurate reporting and I want the account removed and the XXXX points returned to my FICO score. Not sure what games Portfolio and XXXX are playing but it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AK

Complaint narrative:
XXXX XXXX I terminated my phone contract with XXXX XXXX because I was being stationed in an area where they do not cover. I provided them with my military orders and paid them what they said I owed. I left the store with no bill or anything due to them. In XXXX XXXX I received a letter in the mail saying a debt collector was attempting to collect a debt I owed. Enhanced Resource Center ( ERC ) is the company I was dealing with, I called them to find out what exactly was going on. After being transferred to multiple people I was told my " case '' was being placed in a dispute status and I would find out the outcome in 30 days. After approximately 35 days I called them to find out what was going on, this is when I started getting the feelings of being scammed. The company had no information about my " case '' nor did they know the " collector '' that was assigned my case. I was transferred to multiple people once again and was finally told they have over 1500 employees so each time I call it would be a different person. There were strange background noises during the phone calls and each person I was transferred to was more lost then the first one. I was refereed to the " managers '' number and called that and went to a very non business like voicemail. I left 2 messages and non were returned. I looked up ERC online and see they have numerous bad reviews about being a scam and worse. I contacted the FTC and explained to them my situation and they said my complaint was noted and I should contact my home attorney generals office. I called them and left a message to return my call, still waiting. Today, XXXX XXXX XXXX I received a phone call from ERC and told them not to contact me until I am informed that this is a real dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Hello, I have received multiple phone calls from " Diversified Consultants ''. When inquired about the nature of the call, the lady told me it is a for a personal business matter regarding my wife. I have asked twice now with two different employees to elaborate on what kind of personal business matter. Neither would chose to do so and hang up. One is named XXXX XXXX. The second is named XXXX XXXX. Neither of two is very willing to share any information except implying it may be a debt collection. I do not recall owing any sort of debt. I have searched for the company and found them to be associated with many scams. If a debt is owed, I would like proof. Otherwise I do not want them to call again. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I am a  XXXX  Veteran that had an emergency causing me to utilize a local hospital emergency room. At the time of service they were given my VA credentials and billing information. They are refusing to bill the VA for the amount and I have spoken to the hospital billing department which states that they do that all the time. Now the amount is on my credit report and they will not remove it. This is inaccurate reporting and needs removed from all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This collection has been placed on my credit report however, I have no account with this company, nor the company they are saying that I owe. They say I opened an account in XXXX 2017 and currently have an open balance. This is completely false. There is very little detail on my credit report about this and as I do n't have an account with them, I do n't know anything more than what they are posting. According to my credit report it says : Diversified Consultants Opened XXXX XXXX, 2017 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Approximatel y two mont hs ago, I signed up with Equifax for their credit monitoring service. The service requires a monthly subscription of {$16.00}. The product allows for me to update my report on a daily basis at no extra charge. Once I purchased the product I have been unable to successfully pull up my credit report at my convenience. In total, I have only been able to pull up my report twice, and every other time I try, I get an error message. I have called Equifax several times and continue to get several different answers, but none have been able to solve my issue. I have sent over my ID/proof of address on  SEVERAL occ asions and yet Equifax continues to lose it, even though it is being sent via their online platform. I am sick and tired of paying for something that I am unable to use- and I NEED MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Unfortunately, OneMain/Springleaf is continuing to string me along as a consumer in hopes they can bully me. This is in response to my latest communication with OneMain/Springleaf who actually suggested themselves that I file another CFPB complaint. First they take the FULL 60 days in responding to my first, original CFPB request ( Case number : XXXX, -XXXX 2017 ), then respond giving me only a few weeks to review and respond. All the while they are reviewing, they are stressing that I continue to make my monthly payment which is interest only. After they submit their response in XXXX, the response and claims are very incomplete and false. 1 ) I NEVER asked for settlement. I only asked to pay what I should owe based on account payments over time. They tried to say I asked for a settlement - which I never did. I asked to pay off what I calculated I owed given my payment history. They changed my words around on several occasions to say that I said I want to 'settle ' my loan as if I am trying avoid paying what I owe. This is just a blatant lie and an obvious strategic smear to place on me as a consumer. I not once said I wanted to settle, and I stated this several times, yet their documentation keeps saying that I said this. 2 ) After 60+ days of supposed " review '', they supply incomplete information from my first CFPB complaint. They stated I authorized agreement to terms, but do not at all provide documentation stating so. They only provide my original loan agreement and the statement of terms to date. I had to send another response asking for the additional documentation to support their own response. 3 ) There is no where stated on my original loan, that my loan is " pre-computed '' loan. They are now saying this to justify a revert to an interest-account account. However, this is never stated in my papers, therefore I could not have possibly known an AOT would chance my loan to this. So my last 1+ years of payment were solely interest only to justify the overall inflated balance they now say I owe. 4 ) Since this is going on 6 months +, they have tainted my credit and hampered me from making other solid financial moves, due to a significant credit score drop. I feel this is by design in an attempt to bully me, since they previously stated that " I do n't have my own legal representation ''. I am being bullied my OneMain/Springleaf, and I had been a long-time customer for over 10 years. I do n't know if the Springleaf merger changed how they do business, but until they show how and why they changed the terms of my account, I feel fraudulent methods have occurred on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING BANK OF AMERICA TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 2017-06-07 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, Wells Fargo provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from XXXX stating the dispute was complete and that the item was confirmed by Wells Fargo. <P/>I called Wells Fargo on XX/XX/XXXX and was transferred four time to no avail. On XX/XX/XXXX. I called Wells Fargo again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from Wells Fargo in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with Wells Fargo in XX/XX/XXXX. Wells Fargo is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. 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 non-monetary relief
Consumer complaint received 2017-06-07 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: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
Beginning XXXX XXXX, I was contacted by a credit company, XXXX in XXXX, Georgia and they stated I owed money for a membership for myself and my son at a gym in XXXX, GA. I contacted the gym in XXXX 2016 and requested my month to month membership be cancelled as I was moving out of the area. I was told that I would have to pay for one more month as they had a 30 day cancellation policy. I agreed to that and my son used the gym one more time in the last month of the membership. I am now being told that 1 year and six months later, my membership is still active but in collections and they want me to pay money today or they will report this to the credit bureaus. They also contacted my son and told him that his credit would be ruined if he did not pay this membership today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CIR, Law Offices
State: CA

Complaint narrative:
CIR law offices sued me for a debt incurred by someone who used my credit card. We reached a settlement agreement after I hired an attorney. CIR Law Offices has listed their address as a place where I formerly resided on my credit report. This issue comes up repeatedly and I view it as a form of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 2017-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XXXX WHEN IT WAS REPORTING XXXX OF XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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