vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
The following accounts are fraud and do n't belong to me. I have disputed with Equifax, XXXX XXXX & XXXX a number of times and it comes back as verified. But Equifax ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: ND

Complaint narrative:
I have been contacted by Rausch, Sterm, Israel, Enerson & Hornik LLC ; a law office out of XXXX, Minnesota in regards to a debt that I apparently owe to XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX, XXXX. I have received a letter stating that I owed the amount of {$590.00}, and if I have any questions to contact them regarding a resolution dated XXXX XXXX, 2017. On XXXX XXXX, 2017 I was contacted at my home by an unnamed individual whom served me papers from the State of North Dakota -- XXXX XXXX Judicial District stating that I have been summoned and required to appear and defend this action, within twenty-one ( 21 ) days. This notice was dated XXXX XXXX, 2017.  Therefore, it is apparent that the judgement with the court was submitted before the notice to contact them was even drafted and sent out. As well as, there was no previous contact noted from XXXX XXXX or XXXX XXXX XXXX regarding the supposed debt. Therefore, I have had no notice that I had the debt against me. If I would have had proper notice I would have gladly setup a payment plan, or even paid the balance in full. However, now I am looking to seek legal consultation regarding this matter. There has not been proper notification regarding this debt and now they are using legal tactics that are threatening or otherwise demanding. I have tried to contact the law office and the original company multiple times, and I have reached no one due to the lack of information on websites and the sites that you must go through in order to even reach a site that states how to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA
State: OH

Complaint narrative:
This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them on XX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX. At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: First Data Corporation
State: TN

Complaint narrative:
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have received several phone calls from various numbers from this company. The last inappropriate call was received at XXXX on a Sunday. I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
ON XXXX XXXX 2017 I WAS LAID OFF FROM MY JOB. I IMMEDIATELY CONTACTED FAY SERVICING TO REQUEST LOSS MITIGATION. ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AFTER WINNING MY UNEMPLOYMENT I SENT FAY SERIVICING CHECKS THRU MY BILLPAY THRU MY BANK. FAY SERVICING HELD THOSE CHECKS UNTIL THEY FOUND OUT THAT I HAD A PAPER TRAIL AND THEY FINALLY CASHED THE CHECKS ON XXXX-17. THURSDAY XXXX XXXX, 2017 I RECEIVED A LETTER THAT MY LOSS MITIGATION APPLICATION WAS COMPLETED. ON FRIDAY XX/XX/XXXX I RECEIVED A LETTER FROM FAY " INTENT TO FORECLOSE '' DEMANDING XXXX DOLLARS FROM ME. FAY SERVICING HAS CAUSED ME SO MUCH STRESS AND PUT ME IN DISTRESS. I AM NOT SURE HOW FAY SERVICING CAN FORECLOSE ON ME WHEN I AM NOT BEHIND ON MY PAYMENTS AS WELL AS IN LOSS MITIGATION. I ISSUED A HALF A PAYMENT THRU BILLPAY FOR XX/XX/XXXX THRU MY BANK. FAY SERVICING WILL HOLD THAT CHECK LIKE THEY ALSO DO. I AM HOPING SOMEONE CAN HELP ME FIGURE OUT WHY I AM IN FORECLOSURE STATUS WHEN I AM NOT BEHIND ON MY PAYMENTS. AT THIS TIME I AM UNABLE TO SCAN ANY DOCUMENTS SO I WILL FAX ALL DOCUMENTS TO CFPB TOMORROW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
The following accounts are fraud and do n't belong to me. I have disputed with XXXX, Trans Union & XXXX a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

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 2017-07-30 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: GA

Complaint narrative:
The following accounts are fraud and do n't belong to me. I have disputed with XXXX, XXXX XXXX & Experian a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

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 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have made several attempts with this company to receive the proper debt validation on this debt they allege I owe them. There have been multiple certified letters and to date the information requested has not been provided. The collection agency has reported this debt verified to the credit bureaus so I am well within my rights under FCRA to request the legal supporting documentation to validate this debt. As you can see, United Revenue will only respond that this is an emergency debt and my claims are frivolous. Requesting documentation that validate this debt that are reporting on my credit profile is not frivolous. If they have proof of what is owed and can validate this debt then they should not have no issue supplying what is requested. This explains why there are multiple unanswered complaints from them to the Better Business Bureau-their operation is not being conducted legally!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: GA

Complaint narrative:
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

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 2017-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
I closed my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) in XX/XX/XXXX on good terms after years of service and paying bills on time. In XX/XX/XXXX after moving out of state, I started receiving calls from debt collectors about an outstanding balance ( ~XXXX $ ). After arguing with the debt collectors I waited on hold for a good while to speak with XXXX. For a while they convinced me my identify was stolen and I began pursing that. After a few hours I realized it was n't that bad and they just never closed my account and continued billing me. I called XXXX and waited on hold again to speak with someone who had the recording of the call where my wife closed the account on good terms. They needed to take time to review this 2 minute call and called me back some time later and said that I had XXXX balance and they would resolve this issue with the debt collectors ( this was XX/XX/XXXX ). Today, ( XX/XX/XXXX ) I received another call from debt collectors about the same debt that I supposedly had resolved with half a days effort. I called XXXX again and now they claim I have a ~XXXX $ balance and will not contact the collection agency regarding the erroneous XXXX $ until I pay this XXXX. I do n't trust that this XXXX $ is real debt as my XX/XX/XXXX call said that the matter was resolved. I do n't not think they should be able to leverage XXXX $ of erroneous debt to collect XXXX , real debt or otherwise. I explained to The CBE Group IncXXXX over the phone several times that this debt was not legitimate and they needed to re-verify the debt with XXXX XXXX. As far as I can tell they are legally required to do so, but have not. They continue pursuing collection of this erroneous debt.

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 2017-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Equifaxs response is incomplete and insufficient as it fails to answer the threshold question : 1. Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A late payment was applied that was due to a fault in the auto payment setup. No fault of my own.

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 2017-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
Starting the last week of XXXX 2017 I have received numerous phone calls from GCC, Global credit & collection agency. Nobody answers, just a recording. I owe no debt and my credit report is excellent. I believe these people are scamming and our fraudulent. They use several phone numbers, XXXX and XXXX. I have not talked to them or given out any information since the info I have found out on them from Consumer Affairs they are scammers. I believe they are a company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: TX

Complaint narrative:
This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Experians response is incomplete and insufficient as it fails to answer the threshold question : 1.  Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card 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 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I CALLED BOTH PARTIES INVOLVED AND HAVE NOT GOTTEN ANY RESOLUTION as i only applied one time but its showing up twice 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 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.

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 2017-07-30 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:
I did not authorize the following inquiries to my credit report. I have contact the Equifax, numerous times with no help. I explained I was a victim of fraud with my credit and tax returns. The inquiries as follows, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Recovery Services, Inc
State: IN

Complaint narrative:
On XXXX XXXX, 2017, I contacted the XXXX XXXX Clinic in an effort to pay a debt that was owed. The representative stated that the account was closed/charged off and that they account was turned over to a collection agency. I asked her what is their process when sending the account to the collection agency. She stated that " they buy them out. '' I have not a reason to contact the collection agency in order to pay for a debt that I do not owe to them, as the original creditor settled the account.

Company response to consumer: Closed with explanation