vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: SC

Complaint narrative:
I would like to dispute the collection attempt against me from Allied Collection this account has been reported as of XX/XX/XXXX in attempt to collect a debt. I want to dispute this action based on their attempts to reage my debt this student loan debt comes from XXXX XXXX XXXX XXXX the collection attempt was sold to collection agency XXXX and XXXX and I paid them for several years. The account was again resold back to SC student loans and I paid them from XX/XX/XXXX to XX/XX/XXXX. This year XX/XX/XXXX I received notice to collect a debt from Allied Collection they opened a new  collection under my social security number and again reaged my debt. This is negatively impacting my credit and I would like this Allied Collection attempt removed from all three of credit reports.

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 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
SunTrust mortgage did willfully and wrongly violate the rights of the Service member and protected spouse after they had invoked SCRA protection. This violation of Federal law by SunTrust has caused irreparable financial harm to the couple. 
Under the SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1 518. Exercise of rights under Act not to affect certain future financial transactions [ Sec. 108 ] Item 1, Item 3 and Item 5. 
They have also violated FDIC Rules, FDIC Compliance Examination Manual XXXX XXXX Page V11.3, Adverse Action An adverse report relating to the creditworthiness of the servicemember by or to a consumer reporting agency ;. 
SunTrust has reported to the three credit reporting agencies that for three consecutive months the mortgage payments were greater than 30 days late. 
Both documents protect the Service member and covered spouse from adverse actions by the creditor. Filing a report of three consecutive late payments greater than 30 days sends a strong message to future creditors these individuals are horrible credit risk. 
Attached is a brief from XXXX affirming the same, no adverse reports should be made while under SCRA protection. 
It is also very coincidental that this adverse action was posted at the same time a written request was made to remove PMI.

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 2017-10-10 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: MS

Complaint narrative:
On XXXX XXXX I sent a letter to Trans Union describing to them that I was a victim of identity theft and that there were some inquires that I did not authorize showing upon my credit report with them. 
I received a letter from XXXXrans Union dated XXXX XXXX stating that " The inquiries listed on your credit report are a record of the companies that obtained your credit information '' and that " Your written authorization may not be required to constitute permissible purpose. '' This did not address my concerns. These were inquires that I did not authorize in any form written, verbally, or electronically.

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 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: WV

Complaint narrative:
Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.

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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called Equifax 's automated credit freeze telephone service to request a credit freeze on XXXX/17 after hearing about the company 's massive data breach and verifying that my account may have been affected on their website. Their phone service crashed several times while processing my request and I had to repeat the process over and over again without success. Finally, I visited their website to try doing it online, and I saw a notice that a credit freeze had already been activated. I think one of the requests I made by phone had gone through without informing me. However, I never received a PIN for unfreezing my credit. I called their customer service phone number twice but hung up each time after being on hold for more than half an hour. Finally, I called a third time, waited again, and then when someone finally answered I asked the person what was going on with my credit freeze. They said I could call the automated credit freeze number to find out more during business hours. This was useless because it was the same automated number I had called initially that had issues processing my requests. It 's been a few weeks and I have no clue what is happening with the credit freeze on my account or what the PIN is to unfreeze it. This whole situation with the data breach is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reason to believe that Equifax has been placing another persins information into my credit file. I signed up for thwir services in XX/XX/XXXX and all of a sudden the product syopped working 3 weeks after I signed up for the monitoring services. They are already aware that I am a victim of identity theft, but they I believe that they are contributing to it. It took them 7 weeks fix the product at which time I could not view or monitor my credit file. They finally cancelled that product and told me the product was no longer being offered. And placef me onto another. They didnt give me a refund for the faulty product and they did not extend any free monitoring for the inconvenience. All of sudden on XX/XX/XXXX the product stopped working again and nobody provided a solution. As of today. The product was payed for on XX/XX/XXXX, at which time the product stopped working on XX/XX/XXXX. All of a sudden after speaking to a representative named XX/XX/XXXX, he stated the file was locjed, and I no longer had the product that enabled me to lock the file because they claim they discontinued it. He then cancelled the current product that was not working, and claimed that he needed to cancel it in order to remove the lock. He still was unable to remove the lovk and they did not offer any refund, or my money back, or solution to the problem. They referred me to XX/XX/XXXX at which time, the report was still unable to be viewed. I have reason to believe that they are allowing someone else to use my credit file because when I tried to dispute the fact that there is a lock online, they stated the address information that I provided wad not matching what they have on file. And they have the correct infotmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
Both Transunion and XXXX removed a past debt that was XXXX in XXXX. Then the debt was placed back on my report without notification stating the account was verified. The XXXX copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/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 non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
TENS OF THOUSANDS OF DOLLARS MYSTERIOUSLY DISSAPEARED FROM MY ACCOUNT UNBEKNOWNST TO ME. AND AFTER NUMERIOUS ATTEMPTS TO OBTAIN ANY BANK STATEMENTS AND FRADGULENT CREDIT CARD PURCHASES FITH THIRD BANK REFUSES TO RELEASE TO ME MY BANK STATEMENTS ... ..AS IN NO BANK STATEMENTS XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I WAS UNAWARE THERE WAS AN INSTITUTION I COULD CONTACT TO PROTECT ME. BANK ACCOUNT NUMBER IN QUESTION XXXX. XXXX. AFTER NUMERIOUS ATTEMPTS TO RETREVE THESE STATEMENTS .... NOTHING. PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding LLC, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$160.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
Both XXXX and Equifax removed a past debt that was XXXX in XX/XX/XXXX. Then the debt was placed back on my report without notification stating the account was verified. The 1099 copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I obtained my credit report from all 3 bureaus at the end of XX/XX/XXXX. On XX/XX/XXXX, I wrote the bureaus and sent certified letters to each bureau. I updated inaccurate information and disputed a collection account that this company reported. XXXX XXXX is claiming that I have an outstanding balance of {$600.00}. On XX/XX/XXXX I sent a letter to XXXX XXXX to validate the debt they claim I owed. In my letter, I asked for debt validation with my original signature on the document stating that this debt is my contractual obligation. I also included a hand written letter asking if they were legally able to collect debt at this present time because their business entity that is listed on my credit report, is showing inactive. The business expiration date for the address provided is XX/XX/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 2017-10-10 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-10-10 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but  this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Today I pulled my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into any contractual agreement with them stating that I would pay them for any services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: WA

Complaint narrative:
Family members, family owned businesses have been contacted from " XXXX XXXX XXXX XXXX XXXX ''. Threatened with wage garnishment or a judgement. Claimed it was from a US bank account in 2007.  Claims it was a " purged account ''. Told me I would receive paperwork between 11-4

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 2017-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I had my credit scored pulled to purchase a home for my wife and I. My score was extremely low because there was a charge off credit card from Wells Fargo. We never use that credit card and we always watch our bills to make sure payments are conducted on time. Apparently there was a purchase made on XX/XX/XXXX for a renewal from microsoft which we cancelled and they still charged, we never received a payment notification from wells fargo for the XXXX charge from XXXX. No phone call no e-mail, nothing. Now that we are trying to purchase a home it 's become impossible because of this one card and a charge we were never notified off.

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 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
The time I got the loan I was homeless working for XXXX XXXX. I got the loan an was able to pay for a room that night. I did n't pay the loan back now I 'm reciveing calls from a guy who is threating an harassing me an also, he has called an harassed other family members. He is calming I did fraud but I did n't do fraud I have the same bank account. He saying I 'm going to go to jail. The place where I received the loan is XXXX XXXX.

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