vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian you closed my complaint stating you sent my complaint to the furnisher and you do not owe me {$2000.00} under the Fair Credit Reporting Act that it is against the law because it is your responsibility to make sure furnisher send you correct information. Within 30 days send me your lawyers name and address where I can send lawsuits.

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 2020-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: GA

Complaint narrative:
I have XXXX  data that shows the initial XXXX XXXX was disbursed XX/XX/XXXX, when I was in high school. It is impossible for me to owe this debt as I was not enrolled at XXXX until XXXX. I am being charged for a loan that I did not receive funding for ( see attached NSLDS info ) and was not eligible for due to me being under the legal age and still in XXXX, as a XXXX grader. The XXXX XXXX is only available to qualified, college enrollees, not high school students. 

In early XXXX, I received a letter from a collection agency, Todd Bremer & Lawson,  that was sent to me on behalf of the XXXX  XXXX XXXX  at XXXX, regarding a XXXX XXXX that had defaulted. The letter I received from TBL stated I owed a principle amount of {$6300.00} for the original amount of the XXXX XXXX, and that TBL was also seeking over {$2000.00} in collection costs and other fees. In an effort to bring my student account balance in good standing, I submitted a total of {$8.00}, XXXX to TBL to satisfy the debt and associated collection fees. A few weeks after submitting the payment to TBL to satisfy the defaulted XXXX XXXX I had with XXXX, my financial institution determined TBL illegally accessed collection fees and charges that were not lawful, and that were not explicitly included in the original Borrower 's Agreement. I also asked TBL for proof that the XXXX XXXX funds had been deposited in my account because I was a victim of identify theft between the years of XXXX. TBL could not provide substantiated documentation to prove I had actually received the XXXX Loans Funds in my bank account in XXXX. As a result, my financial institution determined I was due {$3900.00} to be refunded to me. I received the funds from the chargeback in XX/XX/XXXX. 

As it stands today, TBL is charging me {$4100.00}, which includes {$960.00} for collection costs due to TBL. 

Again, this loan was initially disbursed in XXXX, when I was not even enrolled at XXXX and I was underage, just XXXX years old, and did not agree to any sort of loan during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CCS Collections is a third party collection agency the is attempting to collect for XXXX XXXX company in the amount of : {$200.00} I have no knowledge of this debt and never received any notification from this agency in writing or otherwise regarding my rights to either dispute and or request to validate this debt, pursuant to the Fair Debt Collections Practices Act, the Fair Credit Billing Act or the Fair Credit Reporting Act 609. 

My rights as a consumer have been violated by this agency

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: VI

Complaint narrative:
send me copy of my credit report they dont let me login to any of the free accounts either

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 2020-09-29 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-29 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
The debt is from XXXX XXXX that claims I took a student loan out with them back in XXXX. I have never done business with XXXX XXXX after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed 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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
The home that i purchased in 2015 was just recently deemed unlivable by an insurance adjuster due to Hurricane Laura that hit Louisiana coast. My home like many other 's was destroyed now i am getting calls from 21st mortgage company inc. wanting me to hound the insurance for money to pay off the home and even make payments on the home that is no longer. They are wanting payments and they demanding i call the insurance company demanding payment. I can't make the insurance company complete anything faster than they are already are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IC Systems , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IC Systems , Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: GA

Complaint narrative:
XXXX Account was frozen, billed at {$10.00} per month until XX/XX/2020 XXXX Billed Full amount of $ XXXX ( should be {$10.00} ) Got a doctors note stating that I still can not exercise, Account should remain frozen. I have a receipt that for the payment of this. 
XXXX Billed full amount of {$90.00} ( Covid-Gyms were closed- Should not be billed ) XXXX Bill Full amount of {$90.00} ( COVID- Gyms were still Closed-Should not be billed ) XXXX gym reopened XXXX Reached out to the business to let them know I have a doctor 's note that my account should be frozen, business would not accept my doctor 's note XXXX Billed full amount of {$90.00} ( account should be frozen {$10.00} ) Late Fees : {$38.00} As you can see for the month of XXXX there should be no bill due, gyms were closed due COVID government mandate. The business would not accept my doctor 's note, I explained to them that due to COVID everything was shut down and the doctor 's note did not arrive quickly and they mentioned they can not backdate anything. 

Incorrect Billing Amount : {$390.00} I paid for the month of XX/XX/2020, have a receipt for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Clear Mortgage Capital, Inc.
State: CO

Complaint narrative:
I closed my refinance with Clear Mortgage Capital in mid XXXX. The Clear Mortgage team advised me in all payments and timing and I followed their guidance. I just received a letter from my previous lender stating that my payment has been missed and will be reported on my credit. I have now found out that my previous mortgage has not yet been paid off even though I closed the refinance and paid all funds upon closing. I am being asked to pay an additional {$1000.00} in order to payoff the previous mortgage. Clear Mortgage has been very difficult to work with and communicate with once I found these issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I received a call from a debt collector about a debt that is not mine ; I told the person the debt is not mine. I have medical insurance so I don't owe any past due medical debt. they put the debt on my credit, XXXX, and I disputed and it was removed, but then the company put it on my XXXX   report ; I disputed and XXXX said the debt is validated. I asked for some sort of documents to see the debt and received nothing but a statement on my credit saying its being reported fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUNDING XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: FL

Complaint narrative:
I have attempted, on 13 occassions to contact Possible Finance to resolve their collection account that's being reported to my credit report. This is not my debt, but I can not let a {$43.00} amount ruin my credit. They do not answer calls, their voicemail states you can ONLY communicate via email, and they have not responded to my emails for 4 months. This debt is not mine, I have tried resolving with the creditor- and they WILL NOT RESPOND. I NEED HELP! This is effecting my ability to use credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
Better.com refuses to provide credit DTI calculation information why they have adjusted the original Loan Estimate that I agreed to move forward with. XXXX XXXX, Processing Expert, NMLS # XXXX, called me at XXXX XXXX CST on XX/XX/2020 on a recorded line and refused to provide accurate calculation information. Then he hung up on me while I was demanding fair lending information to show why my loan was being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under LJ Ross Associates Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as LJ Ross Associates Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation