vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Management Solutions, LLC
State: NY

Complaint narrative:
The debt collector FMS Financial Solution keeps contacting me about a debt which was discharged in bankruptcy. Attached is my bankruptcy paperwork and on page 22 the debt is listed as part of the debts which were discharged. They have sent me no written notices about the debt, and have used aggressive language in an attempt to intimidate me into paying a debt which was discharged during bankruptcy. One example of aggressive language that they used was to threaten to go after my father. While he did co-sign, my debt was discharged and I should not be contacted and told " we're going to go after your father, '' in an attempt to intimidate me. The FMS employee, XXXX, which told me this was aggressive and rude. FMS Financial Solution did not contact me during my bankruptcy proceedings because they received the bankruptcy paperwork. They also inflated the debt from approximately 3,000 dollars to 6,000 dollars and never provided any notice or information about what the extra charges were for. I want the debt collection to stop, I will be disputing this on my credit record and I want an apology written in email from the debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I believe this place is the Midland Credit Management. They call back to back and do not leave voice mails they just call repeatedly. I answered one call to see who keeps calling and they hung up on me with no answer I block one number and they use a new number its a never ending cycle. They have multiple complaints online for using extreme harassment by non stop spamming calls and not leaving voice mails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
My mother took an unsecured personal loan with ATLAS CREDIT in XXXX XXXX, Texas. In XX/XX/2020 she became XXXX due to a XXXX XXXX XXXX condition. She made XXXX, XXXX, and XXXX Payments with her last two work checks. In XXXX she spoke to ATLAS CREDIT and told them her financial situation and medical condition. She informed them that she no longer had an income and was awaiting response from a social security application. Atlas asked if they could call back in a week to see if the situation has improved. These weekly calls were amicable for about a month. After that, atlas started to call every reference my mother had on her list repeatedly. And when my mother asked them to stop her references because she wasnt hiding from them, she had been upfront and made them aware there was no money. Then my mother was bombarded with calls, voicemails, and text messages from Atlas. She received letters and once again explained in written form that she didnt know how she was gon na pay rent, or utility bills, more importantly how was she gon na pay for her dr visits or medications. That that she has closed accounts at atlas before but this was a circumstance that was out of her control. She told them that calling her repeatedly was embarrassing for her. She asked in written form to proceed with next steps and to stop calling and sending letters that stated you werent forced to get this loan so you need to take care of this matter. Again, how can she pay when she has XXXX income. You cant get blood from a turnip, come on atlas! My mother has to move in with her own mother she didnt have to worry about rent. Atlas has started to come to her previous address on 4 separate occasions, after the second time the owner of the home called atlas and told them The person they were looking for has moved. They ame a third time 2 days ago and the owner called them again told them the same thing and asked not to come back because it has been made clear to them that the person they are looking for has moved. Guess what Atlas went to the same address again today and they were told again the SHE doesnt live at this address any more. This company has basically harassed my mother and now are harassing my cousin who now is renting at her previous address after they have been asked several times cease communication because my mother is trying to survive and live through her medical affliction and a {$130.00} payment is last on her list of worries at this moment. Funny thing is she used to recommend ATLAS CREDIT to others and now Im telling everyone I know to not go to them for any loans. I told my cousin to file a complaint as well because hes told them my mother has moved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On Thursday, XX/XX/2020, I received a first-time email from a collection agency known as TrueAccord working for XXXX XXXX, on behalf of XXXX XXXX XX/XX/XXXX, attempting to collect an alleged " outstanding balance of {$1300.00}. '' I had no idea I was in default of any kind to XXXX XXXX XX/XX/XXXX. Regular payments were made despite no flexible payment plan during COVID. And if XXXX XXXX XX/XX/XXXXstopped sending me bills than it was on its part. But turning my account to a collection agency without any prior discussion and notice is unacceptable business practices and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MN

Complaint narrative:
My XXXX XXXX XXXX phone service had technical difficulties from the start..i had many issues and my service rarely worked. I contacted XXXX XXXX XXXX   repeatably about my issues and they were never able to solve them. Then surprisingly My phone was lost and i used insurance to get a new phone. My bill always seemed higher than I was told and they shut me off because my balance was over {$500.00}. I couldnt make payments they wanted the balance in full which i could not afford. I had problems with my service since day 1 and had no luck working with XXXX  XXXX XXXX. There was no way i was going to come up with a lump sum of {$500.00} so i was forced to get a new carrier. I made it clear from the start i was not satisfied with no resolution. Now this debt collecting agency is damaging my credit so bad I dont even have a FICO score. This company is calling my mothers business and harrassing all of my family. I have been laid off and am trying to take care of what i can but this company is threatening and harrassing. This is not right at all. Their tactics are unprofessional, damaging and unethical in every way. On an account that is CLOSED they are still reporting it late every month on my credit report. How can they do that? It is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
I am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DC

Complaint narrative:
I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is the 9th Complaint against Select Portfolio Servicing ( SPS ) and its Principals via CFPB and Comptroller of Currency ( COC ). SPS refused ( a ) to respond to all elements in my First Qualified Written Request ( QWR ) under RESPA and ( b ) refused to mail Monthly Mortgage Statement - engaging in fraudulent misplacement of my mortgage payments, since XX/XX/2020. Now, at the end, it requies a Federal Lawsuit. 

There are over 10,000 internet complaints against SPS and its principals and I request that CFPB investigate and sues SPS-RICO organization for its massive criminal acts and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I engaged the XXXX XXXX XXXX firm to help me work out a modification. 
PHH Mortgage still tried to foreclose. They tried to serve someone at my house today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX 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 2020-07-23 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.

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