vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX XXXX requesting VALIDATION of the alleged debt. Per the FDCPA, 15 USC 1692g 809 ( b ). the company had 30-dayXXXX by law to respond. The company failed to respond or validate this alleged debt thus making it uncollectable. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX notifying them that they had failed to validate the alleged debt. Making it uncollectable. 

On XX/XX/XXXX, a letter was written to Oliver Adjustment Company , Inc. in response to a notice from them attempting to collect on the alleged debt regarding XXXX XXXX. This letter detailed that XXXX XXXX failed to validate the alleged debt thus making it uncollectable under the FDCPA, 15 USC 1692g 809 ( b ). 

On XX/XX/XXXX, another letter from Oliver Adjustment Company , Inc. was received. This letter stated that Oliver Adjustment Company , Inc. has done an " investigation '' and found that I am the correct consumer. This is not only biased but also self-serving since they are attempting to collect upon this now invalidated alleged debt. And does nothing to validate the alleged debt. 

Another letter from me to Oliver Adjustment Company , Inc.,  dated XX/XX/XXXX, was sent via first-class mail. In this letter it was stated for them to cease and desist collection activities regarding the alleged invalidated debt. It further stated my intention to file complaints with the CFPB and my states attorney general 's office. Further notification was given that suit could be filed for harassment and harm. 

I implore the CFPB to take actions against XXXX XXXX and Oliver Adjustment Company , Inc. for violations of the FDCPA, 15 USC 1692g 809 ( b ). Their continued efforts and harassment to collect upon an alleged debt, that was afford every opportunity to validate ( and failed to do so ) is  damaging to my good name, my character, my reputation and has brought both emotional and physical harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was alerted of a new hard credit inquiry appearing on my TransUnion report. 

The inquiry came from XXXX. I contacted XXXX by phone on XX/XX/XXXX and they assured me that they had no record of a credit inquiry associated with my name. 

Also on XX/XX/XXXX, I created an account online with TransUnion to dispute the inquiry. I was able to see that the inquiry was associated with an address and phone number that were not mine, nor at all resembling mine. TransUnion had added the bogus phone number to my credit report. I was able to dispute the phone number online, and TransUnion removed the bogus phone number from my report immediately. 

However, I was not able to dispute the credit inquiry through the web interface. 

On XX/XX/XXXX, I called TransUnion to dispute the inquiry. I spoke to a representative who was able to verify that the bogus inquiry was appearing on my report. They refused to take any action, instead saying I needed to obtain a " Letter of Deletion '' from XXXX before TransUnion would take any action. 

I'm especially concerned about identity theft because on XX/XX/XXXX and XX/XX/XXXX, I received emails from two British loan companies, XXXX and XXXX XXXX, as if I were applying for loans from 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 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: DE

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS CCA is representing that an student loan account that I had with XXXX XXXX now has " US Asset Management Inc '' as a current creditor. That is not correct. They are also representing that I owe an amount which is incorrect by over {$6000.00}. They sent a letter to my address although they misspelled my name. The language that they use is very suggestive that I need to take action to settle this debt with them. This is deceitful. I am currently paying off this loan with a company with which I have had a multi-year relationship. Because loans do sometimes pass to different creditors, this type of letter creates plausible uncertainty about the status of one 's loans and I consider it dishonest and manipulative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I open this loan account around XX/XX/XXXX I was told by one of their employee I will be able to do a early payoff, and wont be change all of the interest that shown, I sign up to paid once of month On XX/XX/XXXX I ask for my paid off to pay this loan off after making a regular monthly payment and was told half was going towards the principal plus I paid XXXX extra I borrow XXXX dollars very lil was put towards my borrow amount that's when I decide something wasn't right called back the next day ask what was my pay off the amount was very high after all this I view BALANCE CREDIT rating appear I'm not the first one that had this problem I wish I could have check before opening this account this loan company need to be investigate and reported Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This situation that I'm dealing with Identity theft is very stressful i work very hard to live a normal life. how can someone try to destroy my life with this fraudulent account that i did not authorize. please remove this account from my credit files thank you.

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 2020-01-19 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:
This situation that I'm dealing with Identity theft is very stressful i work very hard to live a normal life. how can someone try to destroy my life with this fraudulent account that i did not authorize. please remove this account from my credit files thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On about XX/XX/XXXX I received written communication from Resurgent Capital Services stating I owe {$470.00} to an original creditor named XXXX XXXX XXXX XXXX that that debt is now owed to LVNV Funding LLC. On XX/XX/XXXX I responded in writing to Resurgent requesting validation, competent evidence bearing my signature showing that I have some contractual obligation to pay this debt. On XX/XX/XXXX and XXXX, Resurgent responded by sending me a printout of a bill payment dated XX/XX/XXXX. On XX/XX/XXXX, I again sent written communication to Resurgent Requesting verification of the debt. On XX/XX/XXXX and XXXX, Resurgent again only responded with a printout of a bill and request for payment. Resurgent has entered negative information on my Credit Reports in regards to this issue and has failed to send me viable evidence that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-01-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: WA

Complaint narrative:
AAG authorized an additional XXXX on a line of credit to my mothers reverse mortgage. In XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( XXXX ) see attached. These were done with a simple unverified form - the signature on file is not my mothers, this would be simple to check from AAG. My mother was in the hospital during the first authorizations and would not have been able to sign and fax these forms, she had no authorized POA in place as well and managed her finances. She was also very XXXX with XXXX  and her signature would have been needed to be done with a notary. There is an approval stamp on these from AAG, but there was no verification done. This at least should have been suspect since the last amount she took out was XXXX in XXXX. I would have expected some communication with my mother on this matter prior to these withdrawls. 

I am the executor my moms will and discovered this during my review of the loan when my mom passed in XX/XX/XXXX. I have sent an email to AAG, but have no received any response. This is predatory loan behavior of XXXX  citizens and AAG should at least follow the fraud rules of the XXXX number as a typical bank. This greatly impacted her care and her estate. 
My role is her daughter and also the executor of her will. This is very upsetting to the entire family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: MA

Complaint narrative:
Equifax has merged my account with that of my sister 's. I asked for and received a free credit report that had my name on it, but my sister 's date of birth and social security number ( which is similar to mine ), and her student loans were mixed in with the loans that belong to me-I believe this is called a " mixed file ''. 
I called Equifax to have this resolved and was told that they could not verify my identity ( I'm assuming due to the file being mixed up ) and that I would need to send a letter explaining the problem to their Dispute Department. I did as I was told and mailed my complaint including copies of documents that clearly showed the mix-up, as well as documents that confirmed my identity ( SSN card and driver 's license ). I received a letter back letting me know that my identity could not be confirmed. 
I called Equifax again and the exact same thing happened-they couldn't confirm my identity and told me that the only step I could take was to send a letter to their Dispute Department again. 
I've attached the pertinent documents below, including a paper from the original report which shows my name but my sister 's date of birth and SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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 writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 's. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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 writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Convergent Outsourcing is the a debt collection company trying to collect on a debt that I do not owe. I've been contacted in the past in regards of this collection but, now it's on harming my credit report. I recently disputed this same item which has been removed that was verified inaccurate. I will seek litigation for this action is it is not removed 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 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I enrolled with Freedom Debt Relief in XXXX. That was the worst mistake ive ever made. Within months, my credit score dropped significantly. 
When i signed up, i was not made aware of how they really settle debt. 
They state they contact your creditors to negotiate your debt. They failed to do so with one of my creditors which resulted in me being sued by that creditor in XX/XX/XXXX. 
A full yr and a half of working with them & nothing was handed with that creditor. 
To quickly resolve the issue, i was pressured to double my payments so they could settle with that creditor. Then I realized all types of lawyer fees was taken out before paying this creditor. 
Now, im here living paycheck to paycheck because of their mistake & poor handling of my case. 
I feel deceived and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is 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 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TN

Complaint narrative:
FOR years, I have used a Fidelity Investments CREDIT Card LINKED to a Fidelity Investments INDIVIDUAL ACCOUNT starting w a XXXX, ending XXXX. You use it to ccumulate points THEN I CHOSE TO HAVE THE {$50.00} REWARD T R A N F E R R E D TO THE INDIVIDUAL ACCOUNT AS CASH ... I've done this successfully at least 3 times. 
THIS TIME, I CALLED SAME NUMBER, DID SAME THING WAS C O N F I R M E D MONEY WOULD TRANSFER WITHIN LIKE 3 DAYS THEN I GET AN EMAIL THOUGHT MAYBE SPAM BUT I JUST RECEIVED INDIV ACCT STATEMENT, THE {$50.00} IS N O T THERE THE EMAIL SAID!!! N O W, TO GET THE REWARD TRANSFERRED, I MUST, YES, M U S T!!! 
GO ONLINE AND DO ONLINE BANKING WITH FIDELITY to get the {$50.00} I NEVER DO ONLINE BANKING NEVER EVER E V E R I DID NOT AGREE TO THIS CHANGE AND THE AGENT CONFIRMED THE {$50.00} TRANSFER WHEN I CALLED. 
Classic Bait and Switch

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 2020-01-19 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 have been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019 I was asked by someone to do a favor and receive a money transfer from them, which would be sent on Paypal, and return the sent money ( minus the instant withdrawal fee ) back on XXXX XXXX. I agreed because I knew the person. On XX/XX/2019, I was sent {$440.00} from the sender on Paypal and as promised, I sent back {$430.00} on XXXX XXXX which was the TOTAL amount minus the instant transfer fee. On XX/XX/XXXX on Paypal, an unauthorized purchase case was opened against me by this person. I provided sufficient evidence ( screenshots of messages agreeing and of the XXXX XXXX receipt proving I sent the money back. On XX/XX/XXXX, the sender opened a fraud case with his financial institution and because of Paypal 's incompetency to protect recipients of transactions, I immediately lost the case. I then opened a fraud case with my banking institution to receive the money back that I sent on XXXX XXXX, but the charge was ruled authorized. Now my Paypal account is negative {$460.00} and they want me to cover a scammer so they are not in the red.

Company response to consumer: Closed with explanation