vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Security Credit would verify the debt. So I took it upon myself to ask Security Credit for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
I disputed this item several times before XXXX XXXX home mortgage which you guys say its a foreclosure on my report how are you verifying this XXXX  and XXXX XXXX have removed this item from my report as they have found it to be not of mine or inaccurate also the account at hand is recording late payments and a payment amount monthly which is another ground for removal per the FCRA remove this immediately and or provide me with my full report and full method of verification. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX In {$310.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$310.00} XX/XX/XXXX United Revenue Corp {$1400.00} XX/XX/XXXX I have spoken with XXXX  about removing these fraudulent accounts off of my credit report. These alleged debts do not belong to me and they are a violation of my rights as a consumer and as the original creditor. They are also a violation of my Hippa rights which states that any of my medical records or documents can not be shared without my consent. These fraudulent accounts are affecting my ability to extend credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
XX/XX/2021 was told by money gram that I was going get my refund of XXXX 10 business days it passed that reached out a few time said the same thing I'm tired I been checking my bank to see about a deposit nothing so I'm reaching out hoping you can help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( TransUnion XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX  XXXX which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on TransUnion or XXXX  but a date of XX/XX/XXXX reports on 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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I visited a stand-alone Bank of America ATM at XXXX XXXX in XXXX North Carolina and attempted to withdrawal {$440.00} from the ATM using my Bank of America issued unemployment card. The ATM did not dispense the money and told me that the transaction would be reversed. No receipt was printed out. I then stepped to the ATM next to it ( also Bank of America ) and attempted to withdrawal the money from that ATM, as I needed the cash to pay rent, which was due that day. When I requested the money, however, I was declined due to the fact that the transaction that did not result in me receiving my cash was NOT reversed/cancelled in their system, and my account was debited the entire {$440.00} which I received none of. I opened a claim that day, and it took until today ( XX/XX/XXXX ) to succesfully get the claim opened and an " investigation '' initiated. I was told that I would receive a letter about the banks decision in 45 days. As this is an extreme financial burden to me which has already cost me {$50.00} dollars in late fees for my rent, and Bank of America is the only entity at fault in this situation, I feel as if this situation should be expedited or a provisional credit should be issued by the responsible party until they do finally get around to it and see that they indeed rob me of money that was rightfully mine.

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 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is United Collection Bureau showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company United Collection Bureau. I am unaware of this company, the amount, the debt and it's origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that United Collection Bureau DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my Equifax credit report, XXXX ( Account Number : XXXX ) was deleted in XX/XX/2021 and reinserted on XX/XX/2021 and I was never notified of reinsertion. I was advised by XXXX at Equifax they did not need to notify because the lender reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I refinanced my home the loan to AmeriHoME mortgage was paid in full. In my escrow account I had {$5600.00} which AmeriHome has to return to me within 21 days per law. They mailed a check dated XX/XX/XXXX for the amount of {$5600.00} I never received the check but I was told by AmeriHome that it was cashed. AmeriHome emailed me a copy of the check. I informed them it wasn't me and filed an " research case '' in order for them to look into it on XX/XX/XXXX Via fax as told by the customer service representative. In the fax I included my ID and my Husbands ID, a copy of the police report that I filed with XXXX XXXX XXXX XXXX, a copy of the canceled check AmeriHome provided me and a statement asking them to reissue check because I did not cash the check. I have not heard back from them. I have called to follow on the following dates on XX/XX/XXXX they confirmed that they received my fax. Called again on XX/XX/XXXX the representative said he didn't see updates but he would send the research department an email and ask for an update. Called again on XX/XX/XXXX the representative said there was no updated from research department at all not even after the email. I asked to speak with a supervisor and was told by representative that she was emailing the request for a call back from her supervisor and that I would get a call within XXXX hours. as of now XXXX hours later no call. I called XXXX because the routing number on the copy of the check is from XXXX and they told me I had to go back to the mortgage company. I am very frustrated because no one in the " research department '' at Ameri Home contacts me not by mail or phone. There is no direct number to them so I have to go through customer service those representatives no nothing and send internal emails but when I call back there is no response to their emails either. This is not a small amount of money. I need HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NC

Complaint narrative:
My home is under contract & was scheduled to close on XX/XX/XXXX. The closing attorney has been asking for the payoff amount from Novad Management Consulting since XXXX XXXX. Novad failed to send payoff amount to the closing attorney, which resulted in closing getting delayed. The closing attorney and I have made repeated phone calls to Novad with no success. They keep you on hold for 45 minutes - 1 hour, then only say the payoff request has been expedited. They will not give a date when the payoff will be sent. I filed a complaint with The XXXX XXXX XXXX on XX/XX/XXXX, and received a call from Novad on XX/XX/XXXX, saying they never received a payoff request - even though they said on previous calls that the request had been expedited. Obviously their claim is untrue. They promised to send an email to me with further information, but no email has been received. Novad will not allow me to speak with a supervisor, nor will they transfer me to the expedited department - they say they do not have that contact information. I am a retired veteran, living in assisted living, and in dire need of the proceeds from the sale of my home to pay for my living expenses. The buyer is also in jeopardy of losing his interest rate lock, resulting in hundreds of dollars in additional expenses for him. All I ask is that Novad send my payoff amount to the closing attorney so I can complete the sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my 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 explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my 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 explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: CO

Complaint narrative:
Initially on XX/XX/2020 I reached out to this collection company demanding a cease & desist and to stop all communication unless it was via US mail. They failed to comply and continued to email me making false statements that I approved the communication. I have proof via certified mail receipts and previous letters sent. They have failed to provide me with any proof that I owe the debt to the collection company and also have inaccurate reporting on the account on my report. This company has violated almost every part of the FCRA and the FDCPA. If I might add, also violations of the XXXX for erroneous and outrageous fees for a debt I am not responsible for.

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 2021-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
This debit does NOT belong to me and was a result of ID theft. At the time this account would have been opened by my now deceased brother, who lived with me and had used my personal information to open several loans/credit cards. It was not until after my brother passed away in XX/XX/2018 did I learn of his fraudulent activity and clearly have no recourse now. 

I have submitted the proper ID theft information/report to the credit bureaus, but AD ASTRA RECOVERY continues to reassert the debt belongs to me. I have attempted to resolve this matter several times with the debt collector directly and even at one point I extended a settlement offer to resolve the matter directly and remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have disputed, file prior CFPB complaints, requested verification, and even called XXXX XXXX THEY HAVE NOTHING under my social. I can't seem to get this resolved. I need help.

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 2021-06-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed multiple items that are reporting with inaccurate information on my credit report and I have received no responses at all. I notified them on XX/XX/XXXX ; XX/XX/XXXX and I have disputed each item again XX/XX/XXXX. I have not received any kind of response from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX XXXX Experian ), and XX/XX/XXXX ( XXXX  ) which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on XXXX or Experian but a date of XX/XX/XXXX reports on 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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
I have disputed these accounts with the credit bureaus and First Federal Credit Control because they appear to be duplicate accounts. First Federal sent me nothing to validate the accounts, and continue to report the disputed accounts, both of which violate federal law. They are reporting duplicate information on my credit report and they are flagrantly ignoring my disputes! Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation