vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I was a XXXX satellite service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from XXXX   XXXX for {$370.00} for XXXX. I disputed the charge again by calling XXXX   XXXX. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from Convergent Outsourcing for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from XXXX XXXX for XXXX. I contacted XXXX XXXX by mail disputing the debt and making the same statement as I did in my letter to Convergent. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by XXXX XXXX for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.

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 2019-10-03 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: EdFinancial Services
State: TX

Complaint narrative:
I tried to dispute late student loans with Edfinancial because I did not get any email notifications to pay nor did I get any letter notifications in the mail, so now my credit score dropped my 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I secured a loan for a home that I purchased. XXXX XXXX XXXX XXXX. Loan amount {$75000.00}, Purchase price {$97000.00} appraisal value. The loan was sold to CITIZENS ONE, with a balance of {$75000.00} on XX/XX/2019. I received my first mortgage statement, and they are charging me PMI. I contacted CITIZENS ONE, multiple times and they 1st responded that I was not under 80 % ltv, to remove the PMI ( they finally used a calculator ), then on a second response stated I need to be under 70 % ltv. ( loan to value ) I have spent thousands on updates and the current appraisal is {$110000.00}. CITIZENS ONE is still charging me PMI. I've never missed a payment, and I make the payment due, 2 weeks in advance, and now @ 63 % LTV. CITIZENS ONE IS UNLAWFULLY CHARGING ME PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Millco Management
State: FL

Complaint narrative:
I had health insurance at the time of my hospital visit. I should not be getting charged for the services I received at the hospital.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Technical Institute
State: CA

Complaint narrative:
Hi, I am filing a complaint against XXXX XXXX. This debt collection company was hired by Universal Technical Institute to claim a debt that was owed as a result of a private loan to attend school. I have communicated with UTI you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, XXXX XXXX, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company. 

This is the website of XXXX XXXX and the number they provided. 
XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Obtained credit under XXXX FInancing for Unlimited Upgrades for mobile equipment. 

Ordered equipment through XXXX XXXX ( XXXX ) # XXXX a XXXX  XXXX on XXXX XXXX. Was on back order. Shipped XX/XX/18 and arrived XX/XX/18. Purchased device under XXXX UNLIMITED UPGRADE ( UPGRADE EVERY 12 MONTHS NO QUESTIONS ASKED, ACCOUNT IN GOOD STANDING, HANDSET IN GOOD STANDING, ETC ) which REQUIRES one to use their XXXX FINANCING. 

I considered returning it when it arrived. Requested return shipping label. Decided to keep device, and did not return it. Account is in good standing, meets criteria for upgrading, and even received an upgrade email from XXXX telling me it was eligible for upgrade. 

I have attempted to upgrade the device from XXXX order under the UNLIMITED FINANCING TERMS AND CONDITIONS but since the returm was initiated and never completed, the order department is incapable of fulfilling the request " due to software issues. '' Specifically, their system ' can not fulfil the request because a return was initiated but you kept phone and even though you fulfilled the terms of the program and received an upgrade letter, we can not upgrade you because the system is not programmed /capable of addressing this. '' This is downright sales and credit fraud. 

Please address this. I can only use XXXX and have called 4 times and spent over 1.25 hours today on the phone trying to get a resolution, but they are unable to help, and I am stuck with a phone that I expected to be able to upgrade using their financing program. 

There is an incident # XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. Transunion and XXXX are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notice from The Business Services Division, and Secretary of State XXXX XXXX from the State of Tennessee in XXXX. In reference of Harpeth Financial Services/LLC DBA Advance Financial, of a court summon for a lawsuit in the amount of {$990.00} plus court cost and private process server fees. My court date is scheduled for XX/XX/XXXX. I was clearly a victim of predatorial lending, and this debt was a result of predatory lending. I was told to just e-sign my signatures on a tablet and was misinformed about the terms and never told about interest rates.I think this debt is about 3 or 4 years old, and I just recently filed for chapter XXXX bankruptcy this year. I was unaware of this debt when I filed for bankruptcy it was never on my credit report. If I can recall I only received maybe {$150.00} to {$200.00} from this company. Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dealer Funding, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
This correspondence should be included and attached to the ongoing complaint. 

Per XXXX letter attached from XXXX XXXX this happened. 

United Wholesale Mortgage analized my escrow account, refunded an overage and then increased my monthly payment. Is this correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: NE

Complaint narrative:
In complaint XXXX I have requested proof of the information they are reporting and all that has been offered is a narrative of the account. According to the company the account was " paid in full ''. I do not have recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or " paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus. Simply narrating that a payment was made does not prove they are reporting the information correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivable Solutions I've contacted several times about the debt and collections on my credit file. I will like them removed and use the insurance I have which is XXXX XXXX XXXX XXXX. They never sent notices or even contacted me about the bills. I will like them removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: DC

Complaint narrative:
On XX/XX/19 I contacted XXXX, XXXX, Transunion and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please 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 2019-10-03 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: MN

Complaint narrative:
I have contacted them XX/XX/2019. They refuse to remove the inaccurate i formation. I called XXXX XXXX myself and asked them when will they remove the information from my credit report and they said they are waiting on XXXX, which it had been over 90 days.

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 2019-10-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. XXXX and Equifax are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I cosigned a lease for a now ex-girlfriend named XXXX at the XXXX XXXX XXXX in XXXX, Alabama in XXXX of XXXX, because they rented based on income and hers alone was not enough. It was made clear that I was only signing to allow them to rent the apartment to her and I would not be assisting financially nor living there. In XXXX of the same year, I called and asked the apartment manager if I could be removed from the lease without it affecting XXXX. She said yes and to come sign the Roommate Release forms and relinquish my key to the apartment. I went there immediately, signed the paperwork and handed over my key. I do not know how much longer XXXX continued to live there but I was told that I was no longer responsible for nor allowed access to the apartment upon signing the paperwork. 

On XX/XX/XXXX of XXXX I received a letter from a company called RentDebt that said I owed {$970.00} to the apartment complex. I emailed them immediately and told them practically what I stated above, the debt was not mine, and gave them all information I had so they could track down XXXX. 

On XX/XX/XXXX they called me trying to collect. I told them I had already emailed them, the debt was not mine, and I would not be paying it and they hung up. 

On XX/XX/XXXX they filed the collection on my credit report. I immediately disputed it on XXXX 's site and when it appeared on my XXXX report a few days ago I disputed it thru XXXX. 

The same day I also left a review on the XXXX XXXX 's XXXX page about the situation. On XX/XX/XXXX, the apartment manager sent me a private message stating " Someone else was handling the accounts that had balances. I do believe I recall doing the roommate release. I will check on this and get back with you. '' I haven't heard from her again. 

Someone else contacted me about it, stating they too were in the exact same situation, having signed a roommate release and were being hit with a collection even greater than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: ID Analytics, Inc.
State: NY

Complaint narrative:
Ive sent multiple Requests by fax to this stupid company but they wont Send me my report this is ridiculous they must be shut down and investigated their very rude never answer the phones victim of if theft and they dont care to provide me my report by mail

Company response to consumer: Closed with explanation