vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 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: GA

Complaint narrative:
XX/XX/2018 {$0.00} I disputed all the Incorrect Information reporting on my credit profile, I asked them to remove all misleading information. Experian responded back with incorrect still in my credit profile.

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 2018-10-24 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 — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Sent letter with attached application, copy of passport and utility bill to XXXX over four weeks ago asking for annual disclosure. 

I called XXXX last week asking for another report to be sent because I never received the first report. 

I have still have not received my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
In 2013 I voluntarily terminated a lease agreement for a rental apartment. 

I was billed for the full remainder of the lease agreement ( approx. {$8000.00} ) Washington State law requires the property owner to mitigate damages by attempting to re-rent the unit, and they may only bill me for the time that the unit was empty. 

The amount was never adjusted. 

The property is no longer owned/managed by the same company, and no records have been provided indicating when the property was rented. 

I have contacted the collections agency multiple times to get the debt adjusted, or even prove the validity of the debt, and they have only ever provided me with the original rental agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX XXXX XXXX which has my score dropped significantly. This was an item that was paid with the agreement it was to be deleted from my credit profile. Which turns out not to be the case. I would like this collection removed from my credit due to false/misleading representation in order to receive payment, which I now know was obtained under dishonest terms. Spoke to someone on XX/XX/2018 who was extremely rude and unprofessional with her help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid my account balance off before the accounts due date of XX/XX/XXXX and they are charging me {$62.00} in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
My mother who is XXXX years old received a book in the mail called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A few weeks later she received a bill for {$44.00}. 

I called the company XXXX XXXX on XX/XX/XXXX and explained we did not order the book and if they sent us return postage we would return it. They claimed that my mother ordered the book from TV. I explained that she is XXXX years old and would never order something from the TV - let alone a book about leading a more active lifestyle! I explained that this was probably mail fraud - and they were taking advantage of seniors. 

They send the account to collections with North Shore Agency who sent my mother a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: FL

Complaint narrative:
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
The very weekday after I filed my third ( or fourth ) complaint against Zion 's Bank N.A. ( " Zion '' ) for unethical " stacking '' practices and unethical discretionary " overdraft approval '' and related charges, has done it again. 

I repeat, I don't have overdraft facilities with the bank. Therefore, every time the bank approves a transaction when the account has insufficient funds, such approval is purely discretionary. 

Once again, Zion has demonstrated its bad faith by charging {$64.00} for two ( 2 ) transactions amounting to less than {$16.00}. Once again, Zion was not obligated to approve these transactions. 

I respectfully pray for reimbursement of {$64.00} in Overdraft Fees and for treble damages for Zion 's bad faith conduct amounting to {$190.00} resulting in a total demand for {$250.00}

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 2018-10-25 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: IL

Complaint narrative:
I have contact this company as well as the bureau to properly validate this debt. They have yet to do so. I wrote a letteXX/XX/2018, XX/XX/2018 and they sent a letter stating it is my debt without proper validation or letter or contract bearing my signature. This debt or account was otherwise opened without my consent and needs to be removed. I do not owe this company. They also repeatedly call my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2017 The company EOS CCA reported a debt of {$200.00} to my credit union. This company has yet to issue me an contract or agreement made to verify the account. I have tried to dispute this acccount on three occasions with only response that it meets FRCA requirement. The company nor the credit union has yet to send me any documents to verify a contract with EOS CCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: MS

Complaint narrative:
Logged in to mobile app to make my XXXX payment on my XXXX XXXX XXXX to find what XXXX XXXX says is a past due of over {$800.00}. I immediately called them and was told the amount was correct. The customer service rep stated that no payment was made in the month of XXXX. I told her I watch the account carefully and I know the payment was made on time. I told her I would go home and look at my records and call back. By the time I got off work and called them back, they were closed. I called repeatedly today to speak with someone but could never get anyone on the phone until I input incorrect information so I could speak to an agent. I finally was able to speak with XXXX at XXXX on XX/XX/XXXX. XXXX informed me that my XXXX payment was returned. I advised XXXX that this is not what showed online. The payment shows successful as well as cleared at my bank on XX/XX/XXXX for XXXX. I made the payment on XX/XX/XXXX for XXXX with a confirmation # of XXXX. I also went on the tell the agent that I made 3 payments in XX/XX/XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation of # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) Then I just made the XXXX payment on XX/XX/XXXX. So the account is not past due and should not be reported as a late payment. XXXX uses deceptive practices and makes it hard for consumers to keep up with payments. This keeps consumers with low credit scores in the market for these subprime loans.

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 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me. 

. If they can not provide the valid legal documentation proving that it was me that incurred the debt, then I want the collection account removed from all 3 credit bureaus - XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gravamen Asset Management Group LLC
State: WI

Complaint narrative:
was notified of a collection added to my XXXX  report from a company called gravamen asset XXXX today XX/XX/XXXX for a XXXX  XXXX XXXX   account. This is from XX/XX/XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XX/XX/XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations

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 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
1 ) Portfolio Recovery Services Account - XXXX Amount : {$11000.00} Address ID : XXXX XXXX ) 1 ) Portfolio Recovery Services Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: PA

Complaint narrative:
I got an alert that someone had made an inquiry into my credit without my permission. Upon further investigation I discovered that someone tried to obtain a credit card in my name. I wrote a letter to Transunion when I discovered this in XXXX, I have not received a response. This hard I quirky to my acct was made on XX/XX/2018, and it was a XXXX card. 

Any assistance you can give me with this matter will be greatly appreciated. Thank you in advance for you help.

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 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
was notified of a collection added to my XXXX report from a company called XXXX XXXX XXXX today XX/XX/XXXX for a check n go account. This is from XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
was notified of a collection added to my transunion report from a company called XXXX XXXX XXXX XXXX XX/XX/XXXX for a XXXX XXXX XXXX account. This is from XXXX and was filed and XXXX under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on transunion and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these viloations

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 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1 ) XXXX XXXX XXXX Account - XXXX Amount : {$11000.00} Address ID : XXXX 2 ) 1 ) XXXX XXXX XXXX Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX   and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: FL

Complaint narrative:
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX for account # XXXX ...., XXXX XXXX for account # XXXX ...., it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX .... & # XXXX ...., lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times  GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2018-10-25 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My Navient student loan account is in forbearance. 

Navient has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for Navient not to be updating the credit bureaus with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NM

Complaint narrative:
This item has been on my credit report for a few years. I have never received anything from them as to what this is for or who the original creditor is and why I owe them. I have even disputed this with the CRA 's. This negatively impacted my credit score, and has made it extremely difficult to rent a place to live.

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 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have an account that was reported to my XXXX credit report by Midwest Recovery Systems in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to XXXX XXXX and was re assigned to Midwest Recovery Systems and reported to XXXX. I contacted Midwest Recovery Systems today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.

Company response to consumer: Closed with explanation