vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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:
Incorrect information reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX   has 1 hard inquiry I did not make XXXX XXXX email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is XXXX XXXX

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 2019-08-12 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

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 2019-08-12 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:
Incorrect information reporting 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 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study. 
I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager,  she said it was not up to her. Basically, I was getting the run-around while in person. 
Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them. 
I do not owe this office a cent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have tried to retrieve the promissory note for this loan that was signed for but I am unable to pull any information on it. I asked two representatives about this and they stated they have no information to provide me but that I needed to make a payment. I tried to notify the company prior to defaulting because I was in the hospital not working. I advised numerous representatives who only stated I can make a payment they cant help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
My hospital bill from XX/XX/XXXX that I have been made monthly payments on since its origin was turned over to " Snow & Sauerteig, LLP '' on XX/XX/XXXX. I sent them a CEASE & DESIST letter on XX/XX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. On XX/XX/XXXX after the receipt of my cease & desist letter, without my knowledge or consent, Snow & Sauerteig, LLP filed a " Request for Affidavit Signature and Assignment of Debt '' approved through XXXX XXXX XXXX XXXX on XX/XX/XXXX to transfer my XXXX XXXX debt to themselves. I was never notified of this action by the hospital, court, or law firm until recently via paperwork hanging by rubber band on my front door knob apparently delivered by XXXX County Sheriff Department on XX/XX/XXXX. I also received same paperwork via mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX the Loan Servicer has not applied monthly over payments directly to principal. I notified the Loan Servicer multiple times. On one occasion, the Loan Servicer stated it would make the adjustment going forward. However, the Loan Servicer never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
As my consumer rights as a citizen I'm requesting a debt validation from LVNV Funding, and a Method of Verification from the credit reporting agencies known as XXXX  and XXXX to show just cause of why they continue to report an account deemed to be fraudulent. Who / title of the person inwhom your company 's representative talked to and what form of communication was used. I'm demanding that the account LVNV Funding inwhom I have no contract with be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: PA

Complaint narrative:
I received a letter on the XXXX of XXXX in relationship to a second mortgage that was discharged in Bankruptcy. The Bankruptcy was discharged XX/XX/XXXX of 2015 and while the letter indicated that the debt may no longer be owed in the event of a bankruptcy it is still a demand for payment regardless of the legal language. 
I reached out to the company numerous times on the XXXX to avoid having to file a formal complaint but I couldn't get any one on the line. I spoke with a XXXX along with other reps who did their best to help but the file was with the Bankruptcy department indicating to me that they where aware that a bankruptcy was filed and and discharged which would make this a breach of of section 524 title 11 of the bankruptcy code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
As of XX/XX/2019 I learned that Merchant Credit Guide filed derogatory information against my credit report regarding a debt that they were attempting to collect. I never received communication about this agency trying to collect a debt. I did not receive a telephone call nor any mailing from this company. If I had properly been notified of Merchant Credit Guide attempting to collect a debt from me, I would have surely contacted them immediately. The original owner of this debt is a pain clinic known as XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX IL. I used my insurance to handle this procedure. They did not tell me my insurance wouldnt cover the procedure. I did not learn of this until two years after the procedure and I received a bill of charges that were grossly over what should have been expected for this type of treatment and I was charged for treatment I did not even receive. I tried multiple times to contact someone in the billing department to resolve any monies that would be owed, I NEVER received any communication from them regarding payment arrangements, in fact the telephone numbers for the office no longer worked and when I went to the office physically it looked as if they were no longer in business. I plan to contact the Attorney General regarding the fraudulent practices of this institute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have previously filed with CFPB. The file was closed based on the company 's response which I feel is inadequate. When I spoke to the lady that called from the Office of the President of the bank she asked for my mother 's social security number. She put the number in her computer and said that they have no record of her. She said that they only keep records for so long and then they are escheated. I have already checked with the Ohio unclaimed funds and there are no funds listed for my mother. 

This is the information as I provided it in my original complaint along with my feedback upon receiving the company 's response. 

>>>My mother had a IRA Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX  XXXX ) She passed away some time ago and I am having trouble locating the whereabouts of her now matured CD. Can you help me? I filed a complaint through the FDIC and they sent it on to you. Your file number is XXXX which is now closed based on the company 's response which I feel is insufficient.The company that held the account after they acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio is Fifth Third Bank in XXXX, Ohio. The bank Presidents ' secretary contacted me and entered my mother 's Social Security number into her computer. She said that they have no record of my mother 's accounts. This IRA CD that I am looking for was opened in XXXX and did not mature until XXXX. When my mother passed away in XXXX that IRA CD was still listed in her assets so I know that she did not cash it in. My sister and I have searched our records and we do not have any information to support that we cashed it in. Including tax records fro XXXX until now. I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!! <<< Further, I still have the letter that we sent to XXXX XXXX XXXX on XXXX XX/XX/XXXX that referenced my mother 's passing and our intent to deplete the account by XX/XX/XXXX. That letter had our full names and addresses and was signature certified. We were never contacted regarding anything about the account. Again - I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
See CFPB Case XXXX. I could not log in. I received letters from XXXX but still no evidence to establish how the accounts were opened and for what. They state that on XX/XX/2017, an XXXX store card credit application was submitted, and that the store card account was used for the XXXX membership. The prime membership is {$90.00} a year. I did not apply for a XXXX card through XXXX and the amount ( s ) charged do not comport with the amount of an XXXX XXXX membership. 

As for the XXXX card, XXXX states an application was submitted on XX/XX/2017, with name, verified address, telephone number, and other personal information, and activated XX/XX/2017, from " my '' telephone number. They do not give the telephone number, nor do they give the " verified '' address, etc. I at least need to know what telephone numbers were called, to and from, in order to activate the card. I also need to know what numbers, to and from, were used to make the {$72.00} payment using my business account debit card. I can verify whether or not the phone number ( s ) called from was mine and, if so, check XXXX records ( yes, I have those records ). I also want a copy of the credit application. In addition, was it an online application or a written application? As I stated before, my next door neighbor had his kids stealing our mail and the account was opened, apparently, using my home address, which I never used because of ongoing mail theft. Additionally, XXXX states I received the benefit of the items purchased, items that I had absolutely no interest in, did not purchase, and would never have purchased. Finally, XXXX referred me again to Midland Funding, which is only interested in collecting from me, the victim of this ID theft, the fraudulent charges. 

Looks like XXXX doesn't know how to do a real investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft there were multiple accounts opened under my name i have filed a report. 
DISCOVER FINANCIAL SERVICES WITH A BALANCE OF {$4100.00} is still remaining on my credit i did not open this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: MO

Complaint narrative:
Please remove the following accounts from my credit file, I do not owe this company nor have I have any contract with them. Please remove, XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This account was put on " paper suppress '' and I didn't receive a statement. Once I found out there was an amount owing I paid the account in full however it had already been reported to all three credit companies as late. I explained the issue and was told I needed to submit additional paperwork which I have. Last, I received a letter my request was not approved however I don't understand why. I've had this account for 18 year and never been late. No one at the company can explain why. This accounting closing lowered my credit score by 100 points since it's one of the oldest accounts I have.

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 monetary relief
Consumer complaint received 2019-08-12 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: MO

Complaint narrative:
Please remove the following accounts from my credit file, I do not owe this company nor have I have any contract with them. Please remove, XXXX {$940.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My original mortgage servicer, XXXX, was bought out by LoanCare. When LoanCare took over, I received a new address and loan number to send in my payments. I did that timely for each month the loan payment was due. After month one, XX/XX/XXXX, LoanCare said they did not receive my payment. I let it go thinking they needed time to find me in the system. After month two, XX/XX/XXXX, my payment was again not received, or so they said. What was really happening was my payments were not being applied to my account specifically due to their error. After speaking with them on multiple occasions, they could see the payments were made but had been pointed to the wrong account. I was told initially that they would handle the problem. The final time I called, because I received another letter ( or two, I can not remember ), that threatened fore-closure, I was told that it would be taken care of in 3 days. That was XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I was in Pre-Foreclosure! My loan is not in arrears and the company, LoanCare is absolutely in error with my payments!!

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 2019-08-12 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: NY

Complaint narrative:
XXXX has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also Transunion has 1 hard inquiry I did not make XXXX XXXX   email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX  XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is XXXX XXXX

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