vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX  is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

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 2019-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
I became a Discover It Chrome card member XX/XX/XXXX. I paid my balance in full every month with no late payments. I was approved for a Discover Miles credit card XX/XX/XXXX and the card was mailed to me. I was informed on XX/XX/XXXX that I was required to complete a tax transcript request form 4506-T and that both of my accounts would be frozen pending account review. I completed the 4506-T form XX/XX/XXXX via XXXX as requested. I closed my Chrome account because I became irritated that my account was frozen after a year of on-time payments made in full. I was informed on XX/XX/XXXX that my new Discover Miles card was closed due to a business decision after review of my income. I believe that Discover has violated the Equal Credit Opportunity Act because I have been discriminated against based on my marital status. When I completed my application, I was told to include all of my household income, which includes the income of my domestic partner. Discover 's website states, " Credit card issuers will ask you to supply your total gross annual income, which helps them decide if you qualify for a line of credit, and for how much. Current regulations allow you to include your total household income, so long as you have a reasonable expectation of having access to it to repay a loan. This is designed to make it easier for non-working spouses or domestic partners to qualify for credit cards. '' I included my own income of {$47000.00} annually and my domestic partner 's income of {$41000.00} for a total income of {$88000.00}. Discover did not give me an opportunity to prove my domestic partner 's income when evaluating my tax transcripts for income verification which discriminates against me based on my marital status. I contacted Discover customer service and was informed that they would not accept my domestic partner 's tax returns to prove my total household income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
A Written Appeal to the SPS ( Select Portfolio Servicing , Inc ), Trial Mod offered to Acc # XXXX was submitted and received several times by SPS on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and finally XX/XX/2019. 
Included in this document is the Right to Appeal, in which an error by SPS on the Comps of the  XXXX XXXX Subdivision versus the XXXX XXXX XXXX XXXX Subdivision. There is a {$700.00} per month to {$800.00} per month increase difference in property value. That is a 45K-100K upgrade property difference between XXXX XXXX XXXX XXXX Sub division and XXXX XXXX XXXX Sub division. SPS Hardships forms were submitted on XX/XX/2019. The Trial Modification Plan amount was XXXX. The currents payment was XXXX. That was a Payment increase of {$190.00} per Month on the Loan Modification amount. The Modification is intended to help American but the payment increased. Corrected Comps and a Right to Appeal in The XXXX XXXX Subdivision and Arkansas XXXX County City Property Card for Parcel XXXX Loan # XXXX were submitted again on XX/XX/2019. The Error is Comps on a higher price Subdivision like XXXX XXXX XXXX XXXX XXXX Subdivision versus the XXXX XXXX Subdivision in which SPS took. Also enclosed is the State of Arkansas property value of XXXX XXXX XXXX XXXX Ar XXXX in the XXXX XXXX Subdivision and Comp for the  Subdivision. Consider this Right to Appeal document submitted on the XX/XX/2019. Finally income change state of Arkansas Garnishment XX/XX/2019 ( See addition forms enclosed in this Right to Appeal Document ). Also, Information concerning my mortgage insurance was submitted to you, as well as the bankruptcy Court but SPS continued to charge for Escrow ( Taxes and Insurance ) {$400.00} and now {$1100.00}. You have yet to respond in writing to our documents. This information and all documents are being forwarded to CFPB, XXXX, Ark State Regulatory Board, XXXX XXXX Ark Attorney General, HUD, and  the Federal Reserve, and Legal action pending the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: MI

Complaint narrative:
This relates to a previous complaint : XXXX. I have waited over 6 weeks and the funds have not been received by my new HSA provider. I have waited long enough. To make matters worst the HSA provider has started to fee the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!

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 2019-12-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
I have been the victim of identity theft for over 2 decades. When my wife passed away in 2009 its when I discovered that I had been the victim. I have been working with the 3 major credit bureaus as well as some secondary ones for the whole time I've been aware of my being victimized by identity thieves. Right now experian is breaking the law : section 605B of the FCRA. They are interpreting that law to harm the victims and aid in keeping fraudulent information on credit files.

Inquiries are fraud and they do not obey the law in removing fraudulent inquiries. 4 business days they are to remove the faud and they do not. They are accusing me of lying and saying that I provided material misrepresentations but I tried to tell them that they have to get facts they have to talk to the other party they can't just make that determination on their own because the law does not allow that. That they are arrogantly believing that and harming me in the mean time because I've asked them to call and they have not they have not done any investigation.

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 2019-12-18 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: MoneyLion Inc.
State: MN

Complaint narrative:
A few months ago I took out a {$500.00} XXXX XXXX MoneyLion loan. Upon taking out the loan they only advanced me {$120.00} of the alleged {$500.00} loan, and stuck the other {$370.00} into an " escrow '' account that I can not withdraw from until my loan was paid off. Last Thursday XX/XX/2019 ; I paid off the entire balance using my debit card ending in XXXX for {$380.00} at XXXX CST. According to the terms of the payoff, if you use your debit card, the funds from your escrow will be immediately available in your MoneyLion checking account. 
Well, my funds were not. I contacted the company now 3 different times and have been told a plethora of different reasons. I heard from the first call that the issue was on " MoneyLion 's side '' and that they would have to submit a ticket to the engineering team. On the second call on XX/XX/2019 ; I was told that it was submitted and I would get my funds. Today I checked my account and there is no money and the escrow account is still showing my balance of {$370.00} which is MY MONEY. 
Today I have asked for a supervisor several times as I did on prior calls and was refused the supervisor. I am instead placed on hold exceeding 30+ minutes straight until my life makes me hang up due to an onslaught of frustration.

This is FRAUD. MoneyLion has no contractual ability to hold my funds and yet they are not responding to requests to give me my money back. I want the feds to investigate them. A simple XXXX search shows a multi-million dollar class action against them for fraud and theft. 
They should not be able to operate in this country period!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
This debt was paid off by my employer 's insurance company.

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 2019-12-18 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: CA

Complaint narrative:
I faxed in an FTC report, copy of ID, social security card and proof of address to Experian as well as a letter advising them of fraudulent accounts being reported on my credit. I clearly stated that the XXXX XXXX XXXX account was fraudulent and asked that they block the information pursuant to section 605B of the FCRA. They have not. They have responded that this account was verified. This was faxed in XX/XX/XXXX and a hard copy was mailed on XX/XX/XXXX. This account should have been blocked within 4 days of receipt and Experian is in clear violation of my rights. Also, be advised that XXXX  has DELETED the account so how is it possible that Experian has verified it and how can something that is clearly fraudulent be verified?

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 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Collection statement received in reference to Hospital Bill from 2 years ago. Contact without identifying the company they are  calling from. Threats to credit for not cooperating. Id like medical records to verify I had these procedures completed and that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
I received a letter on XX/XX/2019 from State Collection Services, stating that they were collecting on a debt that I allegedly owe in the amount of {$750.00}. 

I sent them a request for verification on XX/XX/2019 ( copy attached ). 

In return, I was mailed a letter that provided no additional information ( copy attached ) and only gave the name of the provider ( XXXX XXXX XXXX ) which I already had. 

I am not aware of any past due accounts with that provider, and would like State Collection Services to verify whether or not this debt is valid, and belongs to me, as is prescribed by law. Without verification, I can not, and will not hand over money to a company Ive never heard of. 

In addition, I was called at least once per day seemingly more than once per day on some days. They even used a phone number in my local area code once a tactic called spoofing used by scammers. This was quite frustrating and bordered on, if not qualified as, harassment. Finally, when I told them that I prefer written correspondence, and the calls stopped for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: NV

Complaint narrative:
equifax has XXXX XXXX as posted active XXXX balance.i have removal documents that shows account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: MD

Complaint narrative:
I was notified by XXXX XXXX, XXXX on XX/XX/2019, regarding an alleged debt. In which I responded in writing within 30 days requesting the following information : The amount of the alleged debt. 
The full name and mailing address of the original creditor for this alleged debt. 
Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Documentation showing you are licensed to collect debts in Maryland. 

XXXX XXXX, XXXX never responded to my written request and continued to seek payment in XX/XX/2019. At that time I called XXXX and spoke with XXXX XXXX who confirmed that my letter was received and documented in their system. Moving forward to present day XXXX has sold the debt to FBCS , Inc who is now trying to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: Hawaii Mortgage Experts
State: HI

Complaint narrative:
Who : Branch Manager for Hawaii Mortgage Experts What : Branch Manager ran a hard credit inquiry on my husbands and I credit report. My husband received a message from the branch manager on new lower VA rate for mortgage home loans and would we like to take advantage of the opportunity. My husband didn't respond to his message till later and replied " no ''. 2 days later we check our credit report and noticed a hard credit inquiry was processed with out mine or my husbands permission. We contacted the branch manager and asked why did he run a credit check without our consent and his response was " we want to save our clients money ''. He then asked what the problem was running the credit check? 
When : XX/XX/2019 Where : The inquiry was under XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Ongoing since 2016 numerous collection agencies due to the hospital not providing the proper billing information to the physicians. I am a service connected veteran And have medicaire thru my social security XXXX my medical bills should be billed to the XXXX Va XXXX and then to XXXX and they will all be paid, however instead of doing that they send it to collection agencies who are rude and harass me and leave fraudulent charges on my credit report.

Company response to consumer: Closed with explanation