vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I never had any medical services with anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I PUT DOWN {$500.00} WITH AMERISAVE TO LOCK IN AN INTEREST RATE WHICH WAS ALSO EXPLAINED WOULD GO TOWARDS CLOSING COST. AMERISAVE TOOK TO LONG TO PROCESS THE PAPERWORK ONCE THE HOME WAS COMPLTED WHICH REQUIRED ADDITIONAL FUNDS AT CLOSING. WE WERE SCHEDULED TO CLOSE ON XX/XX/21 AFTER BEING DELAYED 4 ADDITIO0NAL TIMES AND AMERISAVE WAS NOT READY. AMERISAVE DID NOT COMMUNICTE WITH THE CLOSING ATTORNEY TO ENSURE THE FINAL DEADLINE OF XX/XX/21 WOULD BE MET. THE CLOSING PAPERWORK DID NOT ARRIVE UNTIL XX/XX/21 PAST THE DUE DATE. I WAS TOLD THAT IF THE CLOSING DID NOT HAPPEN BY XX/XX/21 THEN ADDITIONAL FUNDS WOULD BE REQUIRED AGAIN AT CLOSING. THE CLOSING WAS DELYED BECAUSE AMERISAVE DID NOT HAVE THE PAPERWORK READY IN TIME NOW THE DEAL HAS FALLEN THROUGH BECAUSE I REFUSED TO PAY MORE MONEY FOR THIER MISTAKES. I HAVE ASKED FOR MY ORIGINAL {$500.00} TO BE RETURNED AND MY PHONE CALLS AND E-MAILS HAVE GONE UNANSWERED. I THOUGHT THIS ONLY FAIR SINCE THEY COST ME SEVERAL THOUSAND DOLLARS IN OTHER FUNDS DUE TO THIER DELAY IN THE FORM OF FUEL, LOGGING, RENTAL TRUCKS AND FURNITURE STORAGE. I WAS WILLING TO DROP IT IF MY {$500.00} WAS RETURNED. I MAY NOW HAVE TO SEEK LEGAL ACTION FOR ALL MONEY LOST. WHAT A HEADACHE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
Approximately sometime in Summer XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX XXXX XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX XXXX XXXX XXXXXXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX XXXX XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX XXXX XXXX XXXXXXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX XXXX XXXX  XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX XXXX  XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX XXXX  XXXX XXXX did. 

XXXX XXXX XXXX XXXX XXXX added a negativity to XXXX and Experian. I DO NOT OWE XXXX XXXX  XXXX XXXX any monies. 

I have sent XXXX Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX XXXX XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX XXXX XXXX  Collection from my Credit Report XXXX XXXX - I have sent several letters -- XXXX have Not removed the Incorrect Information XXXX XXXX XXXX XXXX . 

EXPERIAN : I have sent letters to Experian as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with XXXX and EXperian. Even though both Credit Agency has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. God Bless you and Please stay safe.

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 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: FL

Complaint narrative:
I sent out a Validation Letter to the agency I have proof of receipts that the letter did get delivered to them. I stated on the letter they had 15 days to validate the debt and didn't receive no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank was the servicer of my mortgage. My mortgage loan was paid off in XX/XX/2021. However, Fifth Third Bank has not filed a full reconveyance and has refused to provide me with the original note and deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.

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 2021-10-20 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: FC HoldCo LLC
State: IL

Complaint narrative:
I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.

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 2021-10-20 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, a balance transfer check ( issued by CitiBank ) has been deposited in my name into a foreign bank account in the amount of {$300.00} by an unknown person. As a result a {$300.00} charge appeared on my credit card statement along with a {$15.00} transfer fee ( {$310.00} total ). 

CitiBank initially sent the blank balance transfer check to me as a promotional offer to transfer my credit card balance. I discarded the check but it appears the check was stolen by someone to commit credit card fraud. I contacted the fraud department at CitiBank in the beginning of XXXX to try to resolve the issue but they have so far been unhelpful. After 2 months, Citibank sent a form to fill out. I filled out the form and sent it Citibank in the provided envelope with their pre-filled fraud department address. I received another letter from CitiBank that they have not received the requested form and that the fraud case has been closed with no further explanation or instruction. 

As of today, XX/XX/2021, the {$310.00} charge is still on my credit card account. 

PS : I have a photo-copy of the fraudulent check with a forged signature.

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 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I sent a debt verification latter to Account Resolution Service twice. One in XXXX and the other one on XX/XX/XXXX. Each time the company have failed to validate my debt. Instead they send a list of my medical record which I know is a direct violation my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

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 2021-10-20 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: WA

Complaint narrative:
XXXX XXXX XXXX sent bill in XXXX XXXX. I engaged attorney XXXX XXXX XXXX in XXXX XXXX WA who sent a letter along with my own check to XXXX XXXX. Ms. XXXX ( XXXX ) also got in contact with XXXX XXXX management regarding the account. On or about XX/XX/XXXX XXXX referred the account to collections with a XX/XX/XXXX date which made no sense. I closed any and all accounts in XXXX XXXX and XXXX had my attorney contact for any further issues. Ms. XXXX reached out to XXXX XXXX attorney regarding the account. I wrote to the collection agency advising I paid the bill. I am unable to obtain a copy of the check because it was drawn on XXXX XXXX  which closed in XXXX XXXX. They were taken over by another bank. It is near impossible to contact them by phone, there is no online access to the account and all statements were electronic so I have no bank records. I only have my attorney 's office confirming payment for the account. Neither XXXX, nor their attorney nor the collection company responded to my letters. I wrote to the credit agency with copies of the contacts and two of the three cleared the negative credit collection after their ow investigation. Equifax will not, they have advised as of today that they were able to confirm the account as valid. No one provides me any documents or communications as to what account and why nor a response to the payment previously made by my attorney 's office. I can not get a home loan, all my current loans and credit cards have higher interest as reflected by the collection. The original bill was related to a situation where I am protected under XXXX XXXX. I moved out due to XXXX XXXX situation and my attorney provided all relevant documents to the rental agency XXXX XXXX attorney. We never heard from XXXX that this or any other bill was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Tried to dispute two accounts ( XXXX XXXX XXXX and XXXX XXXX ) along with incorrect addresses, but Experian refused to allow these disputes. The account with XXXX XXXX XXXX was a corporate/business account. I also reported inaccuracy with late payments from the XXXX XXXX account. 

In addition, I only had two addresses ( mailing and physical ) that should be 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 2021-10-20 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: NJ

Complaint narrative:
A credit card was opened in my name with XXXX XXXX XXXX/XXXX by a fraudulent person/ identity thief .... i have provided police repot to credit bureaus Equifax and XXXX and no one will remove this from my credit report, it was removed by XXXX. i contacted XXXX several times and have received no response or a " we will call you back withing 48 hrs.. this has happened twice in the last two weeks. 

I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
on XX/XX/XXXX i sent an affidavit of truth via certified mail and requested validation of alleged debt through affidavit from XXXX, XXXX and experian for thier reporting of NAVIENT accounts. On top of that i sent them a cease and desist, all documents have been notarized, I have not received an affidavit in return and it has been over 60 days. I also gave them an opportunity for remedy and have not received response. Also they have been calling me, emailing me and sending me statements in the mail. Im just tired of being harassed, and my name slandered. My life in all aspects is constantly being affected by this issue, my marriage, my time as a father I'm losing sleep and its affecting my health. This has to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXXXXXX XXXX affiliate, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of Insurance Policy XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -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 explanation
Consumer complaint received 2021-10-21 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 — Investigation took more than 30 days
Company: Lending Club Corp
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
Approximately sometime in XXXX XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX & XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX & XXXX XXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX & XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX & XXXX XXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX & XXXX XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX & XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX & XXXX XXXX did. 

XXXX & XXXX XXXX XXXX added a negativity to TransUnion and XXXX. I DO NOT OWE XXXX & XXXX XXXX any monies. 

I have sent TransUnion Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX & XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX & XXXX Collection from my Credit Report TRANS UNION - I have sent several letters -- Transunion have Not removed the Incorrect Information XXXX XXXX XXXX XXXX XXXX 

XXXX : I have sent letters to XXXX as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with TransUnion and XXXX. Even though both XXXX XXXX has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. XXXX Bless you and Please stay safe.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My two loans were sold to the Money source for servicing. 

I was sent a letter stating my insurance had lapsed and they were charging me for new insurance. I called 8 times and was transferred and dropped each time. each time i spent over one hour to reach someone. i sent 20 emails and no response except to call the number even though i was told i could send an email i was told the property taxes were not paid and wanted to find out what happened. No resolution even though property taxes were included in both my loans. they deliberately make it nearly impossible to reach the company. in the meantime they charge you for excessive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a letter from M & T Bank, it was like a statement that stated an action as items returned. The amount was {$540.00}. The date this letter was issued is XXXX. I would have remembered doing or returning something in that amount, so I called M & T Bank to inquire. They told me it was identity theft and they caught it and made a note in their system that this was in fact not me! So now Im wondering if my information is all over the place. This bank did a great job in detecting it was fraudulent and sending me the letter. So I have no issue with the bank.

Company response to consumer: Closed with explanation