vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
credit card opened by spouse solely XXXX credit card co charged of debt XXXX debt was purchased by Western State Financial Management, LLC Judgement was sub- served to mother of spouse. 
Spouse was in hospital in critical care when sub-served. 
spouse passed away shortly after without knowledge of service on judgment. 
Hamerhoff Law obtained judgment after attaching me as spouse. 
I had no knowledge, never signed or requested said credit. 
Hamerhoff Law then renewed judgment XXXX. 
Now remarried - have lein against the title of home purchased under my name, and new wifes name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
More than 3 phone calls a day from Phoenix Financial, rude and assumptions behavior. Was told to stop contacting me but this has only increased their number of calls a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received time sensitive documents to initiate the modification of my mortgage to avoid foreclosure. It was approved in XX/XX/2019 and I have paid the monthly amount as per the contractual obligation but Santander Bank has been applying my payments wrongly and unjustly. They receive the monthly amount as agreed but continuously claim I owe them for a difference. I am having a hard time understanding how they receive and apply tendered payments. My monthly mortgage amount is {$1200.00} and each month Ive been tendering {$1200.00} to account for the mortgage payments for XXXX, XXXX, and XXXX XXXX Mortgage but despite such they have applied {$1100.00} of what was tendered by me. I have questioned this and placed a complaint through their research department and have written letters to address my concern but they have not clarified my misunderstanding and uncertainty regarding this loan. Please help as I recently modified this loan to avoid foreclosure proceedings and I feel concerned about their practices and their impartiality given such acts. Please help!!!! XXXX or 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 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was never 30 days late on ( 2013 of XXXX  ) on this ( CAPITAL ONE BANK USA N ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  XXXX XXXX XXXX XXXX. Below you will find the attached copy of the 30 days late and the creditors contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2019-12-12 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2019-12-12 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: TX

Complaint narrative:
XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. HOWEVER, they did XXXX XXXX ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with XXXX in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. XXXX XXXX attached XXXX. It has been many months yet they are still listing a negative ( XXXX XXXX on my credit reports, despite the law giving them 30 days maximum. 

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.

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 2019-12-12 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: TX

Complaint narrative:
XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 ( b ) of the FDCPA. HOWEVER, they did ( UNTIMELY ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with 1692g in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. ( See attached ). It has been many months yet they are still listing a negative ( s ) on my credit reports, despite the law giving them 30 days maximum.

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.

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 2019-12-12 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: TN

Complaint narrative:
I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
My legal name is XXXX XXXX, I currently reside in XXXX, Georgia. I am demanding that XXXX  remove the fraudulent, inaccurate accounts listed below from my credit file. The credit agency " XXXX '' faced a global security breach, resulting in millions of consumers personal information exposed, my name, birthdate, social, and address were exposed in this breach. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this fraudulent information. It has been 30 full business days since I've contacted Jefferson Capital Systems to provide me with the legal documentation as to how any of these accounts were opened in my name, however I have yet to receive any information obtaining these accounts that were placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I received a {$75.00} promotional card issued by XXXX through MyPrepaid Center. The card is marked " Award '' in small font with a " Valid Thru '' date in smaller font. The expiration date is less than six months from the issue date. I am trying to access my funds the but the card is expired so the their system won't even recognize my card. 

I tried calling the company, but their phone system does not have any option that leads to a real person. 

The short expiration of the card, combined with them preventing me from speaking with a real person, plus the formatting of the card is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
Received collection letter from Revenue Enterprises regarding debt that was already paid by health insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2019, I initiated a dispute against an entry on my report from a company called XXXX.  XXXX  reported me late 60 days, however I should have been marked as late only once.  I received a response from your company stating that the information had been verified and all information was being marked appropriately.  The form that I received from Equifax contained incorrect information concerning balances, as well as date of last payment, aside from the original payment issue.  I then requested a complete copy of my report so that I may dispute this information according to FCRA section 611.  On XX/XX/2019, you sent me a letter stating you could not locate a credit profile under my name and social security number.  Please explain how it is possible you verified incorrect information on my report then claimed I do not have a credit report on file with your agency..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: TN

Complaint narrative:
I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TN

Complaint narrative:
I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: KS

Complaint narrative:
Received collection letter from Receivable Mgmt Group regarding debt that was already paid by health insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been placed in collections on XXXX XXXX, 2018 by Midland Funding LLC for the balance {$1400.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for XXXX made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec, XXXX { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the XXXX of Limitations has not expired on this account. 
- Show me that you are licensed to collect in my state. 
- Provide me with your license numbers and XXXX XXXX of XXXX. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, Equifax, or TransUnion XXXX this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the XXXX major credit reporting bureaus : Equifax, Experian, and TransUnion XXXX requests shall be sent to me immediately. 


If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the XXXX major credit reporting bureaus : Equifax, Experian, and TransUnion XXXX requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties XXXX be made by your company to my home phone, cell phone or my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE credit bureau showed up on my credit report with an erroneous charge for $XXXX for XX/XX/2018. This was sent to them for collections by XX/XX/XXXX (part of XXXX XXXX XXXX). When I called to inquire the person on the phone was very rude (I filed a complaint with manager). At first he would not tell me the name of the place that sent me to collections and then he wouldn’t give me the contact information so I could call to inquire. He told me not to tell him how to do his job when I asked for the information. He then hung up on me. I spent over 6 hours calling back and forth to the XXXX XXXX XXXX, my insurance XXXX XXXX XXXX and CMRE. XXXX XXXX said they had an incorrect address ( I never received any notice and they confirmed this) and they billed the incorrect insurance, they said CMRE would have to bill XXXX. XXXX said they will pay it if someone sends the bill and both CMRE and XXXX XXXX won’t send the bill for payment. This is impacting my credit negatively and creating hardship. I do not know what to do next. The bill should have been sent to my insurance originally. 
Please contact me at XXXX XXXX XXXX, or email XXXX. Both agencies are  at a stand still. I left a voicemail for a manager XXXX at CMRE and spoke to another agent XXXX, XXXX   said she would only set up a payment arrangement (I don’t have $ to pay and should have gone to insurance) and XXXX never called me back. XXXX at XXXX XXXX said her and supervisor stated tey cant do anything and to go through CMRE and get names if they don’t send bill to call them back I did and no response has been received.
I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a new Discover Credit Card account in the spring of 2019 because of their Cashback Match promotion.I have asked several times to have my limit increased, but they have limited my credit allowance to $4,700, while the card in my husband's name has a limit of $XXXX. This seems to be SEXUAL DISCRIMINATION. I have a FICO score of XXXX, as does he. There is no justifiable reason for the difference in credit limit.My husband & I have had joint credit card accounts with Discover for at least 20 years. We also have a joint Discover Savings & Checking accounts with $32,000+ balance, and own 2 homes and 3 cars with no mortgages or any kind of loan. We pay our bills in full, on time every month.We should be treated like valuable customers, but at this point, we are not being treated that way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2019-12-12 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unique Management Services, Inc
State: KS

Complaint narrative:
Received collection letter from XXXX XXXX XXXX regarding debt that is not mine ie library books & materials already returned

Company response to consumer: Closed with explanation