vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: GA

Complaint narrative:
Disputed erroneous incorrect bankruptcy reporting on my Experian report. Experian stated they got the information from the courts or XXXX Risk Management. I have a letter from the court stating that is not true. I also have proof where my consumer XXXX file has been suppressed since 2019 ref # XXXX ref # XXXX. It is clear they do not ( the courts ) report to any credit bureau for that matter ; therefore the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. Report # 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 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This information was deleted off my credit but its still popping up on the other credit Bureaus I was reporting this to have them removed for my credit.

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 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: MI

Complaint narrative:
CashApp - Square CashApp Debit Card ( Square ) just showed up in the mail - I never opened this account. 

Issued thru XXXX XXXX - they are NO HELP. 
Why would they even issue this? 
Spent days chasing thsi down.. 
CashApp service is horrible -- - have to use XXXX for customer service- the phone number is a joke -- never get ahold of ANY HUMAN. 

After two days I managed to get SOMEONE ( XXXX ) to close this but they will NOT provide any information on how it was opened, when etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OH

Complaint narrative:
This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTY HOME MORTGAGE CORPORATION
State: TX

Complaint narrative:
Guaranty bank continue to collect PMI payment ever after LTV is less than 50 % and never terminated. I have sent request to cancellation but they continued to collect and never returned payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc
State: FL

Complaint narrative:
I attempted to contact the company on XX/XX/2020 about the account in collections and they did not have anyone available that day to take my call This company is attempting to collect a debt for a medical expense that was paid by the insurance all-ready The only thing I was required to pay was a copay which I paid for in office.This company is attempting to collect {$220.00} for a service that was allready paid for by insurance over a year ago I disputed this on my XXXX XXXX and it was removed this company failed to remove it from the XXXX XXXX credit report.What this company is doing is fraud and if this debt is not removed I will take legal action for all the pain and suffering this company has cause me it has caused me to become extremely anxious and stressed and I can not sleep at night due to this companys actions this company is breaking the law. This is an invalid debt they have put in collections on my credit report I have reported this to the XXXX XXXX and disputed with the XXXX XXXX and it was removed they have yet to update XXXX  and have not removed the invalid account off my XXXX  which is illegal in Florida.remove the account off of my XXXX  credit or I promise I will Pursue legal action against this company please advise them of this.This was a for a doctor I saw but my insurance covered it and I had valid insurance at the time this was over a year ago I saw this doctor my medical insurance covered the cost of this and I paid my copay.They have allready removed it from the XXXX XXXX which is an admit that this is invalid and proves that this company attempted to charge me for something that was allready paid for which is fraud.Please remove or I will sue! 
I have allready contacted XXXX  and submitted dispute aswell. 
The company has admited that this was a mistake as they have removed the collection account off of my XXXX XXXX yet the have failed to follow laws and remove it off of XXXX  Also they have yet no notify me verbally or write to me to inform me of this 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX XXXXXXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX  Receipt # XXXX filed a resolution document with XXXX XXXX and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. Equifax and XXXX have not. I think I provided enough information and justification to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding LLC obtained a default judgment against me under false pretense. I tried to get it removed but a Judge, not understanding the law, ruled against me. I was absolutely never served, this is not my debt nor has it ever been proven that it is my debt. 
Midland Funding LLC has committed Identity theft in my name. And tax fraud. 
" Attached Documents " Note : I cant find an attorney to take this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I obtained a auto loan through Santander Consumer USA, and made my first payment on or about XX/XX/XXXX. No principle dollar amount of the loan wasnt deducted until XXXX of XXXX. They still continue to mis apply payments to my loan. They are currently being sued in a multi state lawsuit for unfair practices, and at this point I am not part of the lawsuit. My interest rate is 24 % and the loan is just in my name. With my current loan payments, mis application of payment distribution, my interest rate and other miscellaneous factors Ive been harmed. I still owe about XXXX for a vehicle that is worth XXXX. I can not sell or trade the car in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Kansas, Inc.
State: NE

Complaint narrative:
I received a parking ticket in XXXX, XXXX in XXXX XXXX KS. I contested the ticket and went to court in XXXX, XXXX. I lost the case and paid the fee the same day ( {$180.00} ). In XXXX, XXXX ( nearly 9 years later ) I received a collections notice from " Collection Bureau of Kansas '' asking for {$450.00} for this decade-old debt. I contacted the XXXX XXXX XXXX XXXX, KS who admitted that my cashed checked wasn't properly accounted for. However, since they sold the debt they couldn't fix it. 
I have provided evidence of paying the debt to the collection agency multiple times but they are still hassling me through multiple letters and calls since XXXX. I provided evidence of payment in XXXX, XXXX, and XXXX. 

Debt Agency : XXXX XXXX XXXX, DBA Collection Bureau of Kansas, XXXX, KS 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 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is taking my mortgage payment and not applying it to the loan. They clear the check and then put it in an unapplied status meanwhile collecting interest and applying penalties. We have spent hours on the phone with them clearing up the prior month and then it happens again the next month. At the same point, they are sending emails telling me we have not paid our mortgage. This is deceitful and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: KS

Complaint narrative:
I feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX  XXXX  account amount {$2100.00} is not mind.

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 2020-11-22 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 have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.

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 2020-11-22 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: KS

Complaint narrative:
I feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX XXXX account amount {$2100.00} is not mind.

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 2020-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In XXXX of 2020 I preemptively contacted my loan company ( Toyota Financial Services ) in an attempt to take advantage of an extension program they had in place to deal with income loss due to COVID-19. This was not something ( according to their website ) that you needed to be approved for. As stated I submitted the form for the extension in XXXX for the XXXX statement period. They responded with an automated message of receipt of the form. When the XXXX payment came they did not contact me and I made the payment that month anyway but it was late as I knew it would be since my wife 's income was no longer available due to her loss of work. Everything should have been in order, as it was from my end. I only recently learned that they had reported this to the credit agencies and negatively impacted my credit. I have an elderly veteran father who is in need of different living arrangements so my wife and I are looking for a mortgage for a home that will accommodate the three of us as best as possible. This is a matter of personal health. Now it is going to be very difficult because of Toyota 's actions. I contacted them twice to resolve this issue. During the most recent conversation with their representative they stated they have all these records stored and therefore they could see that they did receive the form for extension and that it was marked as resolved and never processed. No attempt was made to contact me indicating the extension had not been processed and I was penalized. It also stated that the previous representative had not processed my claim about them retracting their report to the credit agencies. The letter I received in the mail after the final conversation was simply Toyota informing me they were within their rights and that they stand by their decision. They are now putting my fathers health in jeopardy as our current living situation is not conducive to his needs. I have done all I can and hope that with a little extra help they can be convinced to admit their fault and retract all negative reports. The situation they have placed me in is currently holding me back from properly applying for a mortgage that can allow me to provide for my familys needs during these hard times. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is reporting a bankruptcy that is not correct. The name of the court, my name and the court reference numbers are all incorrect. Delete off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: AZ

Complaint narrative:
Every month I dispute account with all 3 credit bureaus letting them know that I never had an account with Midland Funding, Midland Credit Management, I also contact MCM every month to dispute and ask for all documentation including a written signature that I ever did business with them and they never will give me anything. 
Help me remove from credit reports as MCM changes the account number and company name to keep putting this on my reports. 

Last date of letter contacting them was XX/XX/2020 account number XXXX, they sent letter back with no documents again for the 5th time and no written signatures. 
Amount of {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This debt is not mines also i will file a police report because my information is being sold and share without my authorization

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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 found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.

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 2020-11-22 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 found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
I received urgent medical care for my XXXX XXXX XXXX in XX/XX/2018. I called around looking for urgent care, because that would cost lower than emergency care, when XXXX hospital told me they had urgent care. I arrived and stated I was seeking urgent care. I received care and upon payment, they told me they do not offer urgent care and I received incorrect information from the receptionist. I paid the copay for urgent care.

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 2020-11-22 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 upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax did not properly investigate my XXXX XXXX , XXXX . It is still shows as me having a payment and I do not have a payment. 

Equifax did not investigate my US Dept of EducationXXXX as it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation