vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Johnson Mark LLC
State: ID

Complaint narrative:
I recently recieved a letter from an attorney named Mark Johnson LLC dated XXXX/XXXX/15 in which they state I owe a balance of {$320.00} for a judgment with no case number given. This is XXXX of many demands for payment made by this company over the last couple of years. They have issued several garnishments against my wages in the last XXXX years. The last garnishment was confimed as paid in full by my employer 's payroll department and XXXX County Sheriff approximately XXXX. I have not recieved responses to previous requests for validation of the debt and/or confirmation of previous monies recieved. I believe this law firm is repeatedly attempting to collect on a debt that has been paid multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
Chase Receivables left a voicemail on my phone ( which I still have ) threatening that if I did n't call them back by XXXX that day they would lie to the hospital I have the debt with ( for an emergency room visit I had when I became very ill ) and tell them that I had refused to pay the debt. This of course was not true ; I did not refuse to pay the debt, in fact, the only reason this woman at Chase Receivables was calling me was because I had called her three days before to try to arrange payment of the debt. ( They also kept calling me during those three days when I said I did n't want them to ; I told them I would call them again when I was ready to arrange payment of the debt. Obviously they ignored my request. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).

Company response to consumer: Closed
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Rushmore Service Center, LLC
State: SD

Complaint narrative:
A man came to my grandmothers residence yesterday and asked for me. He said he had papers to serve me. MY grandmother told him I was working. After getting the call from my grandmother at work about this, I did n't quite understand because I have no debts. out there. Then a couple hours later the man called my cell phone twice. I answered the second time and he just kept asking for me but I did n't admit that I was who I was on the phone so he hung up. I googled the phone number he called from and there is a website that came up that state its XXXX I then XXXX the address listed so I could go there and try to figure out what this paper work being served to me was about. I go to the address and its a XXXX shipping store.. I called the phone number about 4 times before driving there and no answer. XXXX. After going home my grandmother said the man came again to her residence at XXXX at night and asked for me again. She finally told him that he was driving me crazy because I do not have any debt out there but she will take the paper work so I could be informed what this was about. So I drive over there and read the letter and it states that our local hospital here is taking me to court for not paying a {$600.00} bill from XXXX XXXX years ago. I live in South Dakota by the way. This sounds like a complete scam. Because XXXX XXXX years ago I was XXXX XXXX XXXX I did n't have any hospital bills from back then. Everything is just fishy with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: FL

Complaint narrative:
I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: TX

Complaint narrative:
For over three months I have been getting collection calls from a company called Focus Receivables Management. According to the internet, their address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The collection calls are in the form of robocalls, and all of them say exactly the same thing, in effect, it is a debt collection call from Focus Receivables Management, and a number to call back. No mention is made of what the debt is ( I do not have any debt whatsoever and owe nothing to anybody ). I typically get two or three such robocalls per week. I have recorded typical robocalls which are attached as a file. I have decided that I will not respond to those calls as I have no debts, as a response would make things worse and give Focus additional information. At no time has Focus Receivables Management provided anything to me in writing. I suspect that somehow Focus has my telephone number in error but it is more than possible that it is some scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company
State: VA

Complaint narrative:
Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE 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 2017-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: URS Holding, LLC
State: CA

Complaint narrative:
I belive the date was XX/XX/2017 between XXXX & XXXX XXXX, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX their XXXX XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a XXXX state phn # XXXX XXXX XXXX XXXX. Now I 'm stressing because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that XXXX XXXX Credit Card div is having them call. How could they have them do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: KS

Complaint narrative:
this goes back to XXXX from XXXX, an account was opened in my name, i was still in XXXX tx still, it was successfully proved to be false and i was not responcible for it, so XX/XX/XXXX it waS TAKEN OFF MY CREDIT REPORT, remained that way untill recently a shady collection agency focus recieveables management put it back on my report, they have not contacted me by phone or letter, so i wrote them a letter tellin them to verify they have the right to be doing this, they still have not contacted me, these people have so many complaints against them, now i know why, i just want them to stop lying to the credit bureaus and take this off my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
reporting agency can not find/locate my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
I am getting daily call collection calls from an unknown collector at ( XXXX ) XXXX. The collector refers to an alleged medical debt of {$310.00}. This medical medical claim has been paid to the hospital by my insurance company. However, the collector falsely states that the check was sent to me. However, the collector refuses to provide me with a documentary evidence to support this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY KA : XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MY HUSBAND ( XXXX XXXX, XXXX ) AND XXXX FOR MYSELF ( XXXX XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX XXXX XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, EQUIFAX CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT XXXX BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AR Solutions Inc
State: IA

Complaint narrative:
ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.

Company response to consumer: Closed
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: NY

Complaint narrative:
FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: MA

Complaint narrative:
J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. 
The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. 
On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. 
My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. 
I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Planet Home Lending purchased my loan and send me a letter saying we do not have insurance but we do. I try to call the number they listed to give them the information and the number never works XXXX, I call their main customer service number and they can not get a hold of their insurance department either. They say they will call back but never do. I am entitled to equal servicing of my loan and I am not getting that service. They now sent a letter with force place fire on my home at a very high rate. Please help, no one at PlanetHome Lending can get me in touch with their insurance department and now I ha

Company response to consumer: Closed
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, that is XXXX XXXX XXXX but I saw on my EQUIFAX credit report somebody 's else name XXXX XXXX XXXX, which is not me. Please remove the name XXXX XXXX XXXX because its effects my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i have several accounts that are not mine reporting on my credit bureau I have filed a recent police report with all of the accounts on them and a notarized id theft affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My issue is that I am having trouble getting to the bottom of a credit alert that appeared in my XXXX account. As a XXXX impacted by the XXXX breach, I registered for this monitoring service. I received an alert, reported by Equifax, that a new XXXX XXXX account was " reported ... on your Equifax Credit Report. '' XXXX provided a phone number to call if I suspected fraud so they could follow up on the alert, but the only automated options available on that phone number were for opening new accounts with them, necessitating a PIN provided by OPM. But, I of course had already done that. There was no way to reach a person to talk to about the reported information and my concern. 
I then called XXXX XXXX to see what I can find out there. I did get to an individual in their credit bureau, but she could not find any account with my name or ss # -- other that an XXXX XXXX card I already have -- and suggested that I call Equifax to get the account information from them. At least I was able to talk to someone there. 
I then called Equifax, and again entered the automated system without any ability to talk to an individual in order to explain my situation. I was, however, able to establish a fraud alert for 90 days, through their automated system, and they indicated they would share the information with XXXX and XXXX. 
But, my concern now is that someone may have indeed opened an account with my ss # and, possibly, other identifying information, and could be creating problems for me. But, without more details on what led to this alert, XXXX XXXX seems unable to follow up from their end. 
Frustrated with not getting any satisfaction with XXXX or Equifax, I tried calling XXXX at various numbers. I was unable to reach anyone, even at the Director 's office ( can you believe nobody answers the phone at the Director 's office? ). Their office responsible for XXXX had no way to contact them either, only providing the XXXX phone number that I had already tried. 
Thanks you in advance for any assistance you can provide in this matter. I have attached the screen shot of the alert from XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello for over 15 years EquifaxXXXX have been putting miscellaneous info on my report. Information is incorrect and I 'm being financially abused. I owe XXXX bank but other banks are on my report that I have never dealt with, I never lived in Florida which on my report states, inquiries, old reports, are making my score XXXX. Which is very low I ca n't get a apartment, home, nothing. I 'm ready to go to supreme court if this is n't corrected.

Company response to consumer: Closed with explanation