vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.

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 2020-12-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Cfpb, here is the issue. 
One year and a half ago, someone purchased a sofa set from XXXX with my credentials on an installment plan. Initially I didn't notice but right after my credit score bottomed in 6-7 months I got intouch with XXXX. By that time they have declared the account delinquent and reported me to the credit bureaus. 

After bunch of calls and complains they finally deemed it as fraudulent and told me they would do everything in their powers to fix the issue and work with the credit bureaus to erase that item from my account. Well .. not really.

What has happened is that their credit company XXXX gave my account to a collection service. All three of them filed against my credit record as delinquent and killed my credit score.

In the past 2-3 months I am working with XXXX, XXXX and Experian to fixing the issue. 
XXXX  did an investigation and they admitted it is all fraudulent therefore they deleted the items off my record. Experian and XXXX  had different view. I do not understand why. 

XXXX said it's fraudulent, XXXX said they are working onto helping me straight it up, the collection service XXXX XXXX said it's all closed and their investigation showed a fraud, but not XXXX  and Experian. 
My credit score went from XXXX to XXXX and there is no fixing that they said. 

Can you help me out with all of it. 
XXXX XXXX - never answer a phone call XXXX XXXX collection service

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 2020-12-13 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, XXXX and Equifax. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, XXXX request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
After leasing for XXXX XXXX XXXX complex and moving out on XX/XX/2020 we received a bill in the mail on XX/XX/2020 stating that our security deposit was taken to replace the carpet. The left over debt on top of that was {$85.00}. I did call the leasing office myself on XXXX XXXX and tried speaking to the manager who was not available at the time. She returned an email on XX/XX/2020 stating that the reason for the charges were due to the carpet being saturated in XXXX. In our contract we stated and signed that we would have no pets within our apartment during our year lease which we complied with fully due to not owning any pets or letting any pets into the home. I emailed management twice more asking if they could please look into this matter as I felt maybe the previous tenants had left this mess behind but I never received any answers or information letting me know that this debt would send me into collections over 5 months later. The lack of information has caused my credit to be damaged for something we did not cause and was not looked into properly. Our apartment was not ready on move in day, in fact it still had to be serviced by cleaning staff from the previous tenants. No carpet replacement before our move in.

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 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Sir or Madam : PRA dba Portfolio Recovery Associates/XXXX XXXX  are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with PRA once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. PRA is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. XXXX XXXX XXXX/Portfolio Recovery Associates letters/XXXX XXXX  are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 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: FL

Complaint narrative:
In response to my earlier complaint XXXX Experian responded with a false and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Please explain what exactly made Experian believe that I did not initiate my complaint or investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap

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 2020-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Service
State: AL

Complaint narrative:
Between XXXX to XX/XX/2020, I have written to Alliance Collection Service four times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2020-12-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, Experian and XXXX. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, 2nd request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.

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 2020-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
I have received Two Telephone calls from the # XXXX, and Voicemails, from a Debt Collector, " Credit Management Co. '', on XX/XX/2020 and XX/XX/2020. They haven't explained, the Creditor 's information. 
I contacted them, on same days. They did not release any information, about the Creditor and Questioned my Personal informations. 
I did not release any information except my name. Because of Fraudulent activities which I have victimized, as a result of Data Breached, by " XXXX  Credit Management '' and " XXXX '' Transporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed Portfolio Recovery Associates account XXXX but did not receive any response. 

Please investigate and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom mortgage has misrepresented my account balance on my credit report, freedom mortgage has not updated my credit report with a paid in full and account closed status by the closing of the statement cycle for XX/XX/2020. Payment was made on XX/XX/2020. Previously, freedom mortgage inherited my account from a lender ( NJ Lender ) that paid me restitution for unethical practices during the origination of my loan. During my loan history, freedom mortgage charged me a total of {$3400.00} in miscellaneous fees for 'property inspection ' while I was applying for a forebearance and hardship deferment during the COVID pandemic ( XX/XX/2020 to present ). Also during this time the company referred my account to a third party called XXXX XXXX XXXX XXXX, who charged me an additional {$3100.00} in fees for " foreclosure fees ''. The {$3400.00} plus {$3100.00} totaling {$6500.00} was added onto my principal balance without a detailed description of each of the fees. This added {$6500.00} increased my payoff by $ XXXX or more between the months of XX/XX/2020 and XX/XX/2020. During this time I was advised that Freedom mortgage is a defendant in a class action suit in the State of NJ for unethically charging consumers property inspection and miscellaneous fees on their mortgage account. Which supports my claim above. From start to end, I have experienced unethical business practices by Freedom mortgage and its predecessors. As well as other mortgage consumers nationally.

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 2020-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aspen Properties Group, LLC
State: FL

Complaint narrative:
Dear My name is XXXX XXXX. 
I am writing to you because I am looking for help. I have been told that my house is being foreclosed on by a collection company in the middle of a pandemic. I am a hard working American XXXX XXXX XXXX impacted by COVID. I have worked in XXXX  all of my life, I have built many American dreams with my hands and now someone is taking my house. What hurts the most, is not just the fact that I am impacted by COVID, but this came completely out of the blue. 
The company that is foreclosing on my home, I have never heard of. I have never signed anything to them,. 

It is not my first mortgage. My first mortgage is with XXXX XXXX. I called them to put me in deferral and they helped. 

The company that is foreclosing on me is Aspen Property Group LLC. The mortgage they are foreclosing on is from XXXX XXXX. They initiated foreclosure in XXXX. in XXXX they voluntarily dismissed the foreclosure because at that time there was no VALUE in the house. They CHARGED OFF the mortgage. This was the same time that when we tried to do a modification because we were impacted by the great recession. I was in construction then as well. We have paid for the first mortgage since then, for 9 years we have had no problems. 

We never heard anything from XXXX XXXX since the chargeoff and the voluntary dismissal. We never received any calls on this. We get emails telling us that the mortgage was sold to another company, We get letters saying that this financial company in bold letters say we only have 1 option. Pay in full. They do not offer modification or payment plan. 

I ask you to help me. I can not understand : 1. why did this mortgage get charged off and now a 4th company is foreclosing on my house without giving me the ability to make a payment plan 2. I never got served the foreclosure 3. is there no statute of limitations. The mortgage was charged off in XXXX. 
4. Illegally charging late fees. Original principal is XXXX. Interest at 11 % XXXX. late fees XXXX. They have charged me for late fees since XXXX. Many legal fees. 
5. how much money did this company pay for my mortgage 6. This collection agency is acting like a mortgage ( foreclose ) but they do not offer any payment plan, and foreclose in the middle of the pandemic. They are assuming the rights of a lien that was charged off 9 years ago 7. my first mortgage does not know and was not included 8. they are bypassing all foreclosure moratoriums. 
9. I have not been notified of the sale date. I got a flyer from a company asking me to pay it. 
10. me and my husband never got served. 

PLease look at XXXX county public. All happened on 1 day. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Between XXXX to XX/XX/2020, I have written to Franklin Collection three times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am being charged for insurance that I have and have submitted documentation which they told m they received and are charging me late fees for not paying for insurance they purchased for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
Levy Law Firm has a debt from XXXX XXXX  stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has a debt from Midland funding stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/XXXX i visited the emergency room XXXX XXXX in XXXX for severe XXXX pain. I was diagnosed and given medication. The billing representative came to tell me how much I would owe, and said I would get a discount of about XXXX dollars if I paid right then and there. I agreed and paid. Months later after getting no notice or mail I start getting phone calls everyday from a debt collector for said XXXX dollars.

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