vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliant Capital Management LLC
State: ME

Complaint narrative:
On XX/XX/XXXX ( I have a XXXX XXXX  chat that I can reference ) I received a call from an " XXXX  XXXX '' at my place of business ( private number ). I had just received a promotion in XXXX so it was odd that someone already knew my number. He sounded exasperated and said " It's a good thing I got in touch with you. We have been trying to get into contact with you. '' I asked him what it was about. " There is legal action against you and you need to call another number. '' He mentioned something about a lien on my property and garnished wages. He provided me w/ a number to call of XXXX. I then asked him if I could get more information and he said that he could not give me anymore and that I needed to call the number. He did not mention debt at that time. 

I hung up with him and at first was worried since I do owe some debts. I then reverse phone searched the number and there were complaints against it stating it was a scam. I was no longer worried. I called the number and got an answering machine, lending further proof that this was a scam. 

I am almost certain that XXXX  called me again yesterday ( XX/XX/XXXX ). His number is always private but I can recognize his voice. I answered after the second time a private number called ( these calls were at XXXX XXXX and XXXX ). When I answered he asked if it was me. I confirmed. Then he tried confirming the place I was working at. He kept saying " Hello? Hello? '' as if he could not hear me. He then hung up. Later on the same day, my brother texted me and told me that he had received a call about asking me to testify in court. I had him send me the transcribed message. It said that it was this was from XXXX XXXX and the number was XXXX. My " case number '' is XXXX ( note that the beginning is the phone number ). I called around XXXX and I got the same message that I got when I called the Florida number XXXX  gave me. I left a message for them to call me back. 

Today ( XX/XX/XXXX ) they then called me back and left a message.This time the number was from XXXX. They told me to call back that number and choose extension XXXX. I called from my work number that can not be traced and Someone answered who said it was Capital Management. I did not say anything and hung up. 

In looking back at my voicemail messages, I can see that the South Carolina number has called me on XX/XX/XXXX and XX/XX/XXXX as well. 

Additional numbers that I suspect are them are XXXX and. XXXX. 

For reference, here are 30 reviews stating that this is a scam https : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiry : XXXX XXXX XX/XX/2018 Not my account delete it immediately Account : XXXX XXXX XXXX    XXXX**** Not my account delete it immediately Account : XXXX XXXX XXXX XXXX**** Not my account delete it immediately Account : XXXX XXXX XXXX**** Inquiry : XXXX XXXX XX/XX/2018 This account is not mine delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX**** This account is not mine delete it immediately Account : XXXX XXXX XXXX**** This account is not mine delete it immediately Account : XXXX/XXXX  XXXX**** This account is not mine delete it immediately Account : 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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding, LLC Recently put an account that was removed from my credit due to false information and fraud. When I started applying for credit to buy a house they popped back up there again, without me receiving any notice or information regarding an account that they posted to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is regarding potential fraud by two credit reporting agencies, TransUnion and XXXX. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

TransUnion provided a FICO score of XXXX to my XXXX XXXX  XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

XXXX  provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.

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 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I've written several letters to EOS CCA LLC and requested documentation and asking why they are reporting on my credit. they have sent me nothing in the mail but continue to harass me at work and on my cell phone! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Company is attempting to collect a debt of approximately $ 7K that I do not owe. They have reported this debt my all 3 credit bureaus and posted to my credit report erroneously. There is no contact for this debt ... .The website 's contact information forwards to an online pharmacy company. They have an F rating on the XXXX  for not providing proof of the collection. Please help me remove this from my credit reports. 



Midwest Recovery Systems, LLC. 
Collections Agencies This is a multi-location business. Find a location XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX http : //www.mrs-direct.com/ ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Please see complaint XXXX. I have received notices XX/XX/XXXX from Loan Care regarding my loan after I filed complaint on XX/XX/XXXX ; The letter is dated XX/XX/XXXX and it arrived in an envelope without the post mark date, so I thought it was odd that I received it XX/XX/XXXX. It discloses the escrow break down and after reviewing it, it appears it was addressing my first mortgage and the second mortgage is no longer the topic. Please see the statements that states that I was behind on the first mortgage. However, the XXXX was to be removed along with additional fees as I faxed a letter to XXXX XXXX along with proof from XXXX  of forgiveness letter and Lost Note Affidavit. I am wondering if this was address after faxing my complaint because I also tried contacting the third party XXXX XXXX regarding the purchase from public auction and received no answer. Also, I am not able to talk to XXXX XXXX 's office as email stated not to contact them. To date, I have received statements from two different companies with same loan number. According to XXXX XXXX 's, I am to receive a new loan number and I was not to be in their system until XX/XX/XXXX-XX/XX/XXXX, so why did I start receiving statements in XX/XX/XXXX after I was transferred to the bankruptcy department at Loan Care? I  am wondering if they were waiting on my bankruptcy to drop so they can foreclose, but I was trying to correct my loan which is why I join the " class action law suit. '' XXXX XXXX was not helping, so this has been a problem with my chapter XXXX bankruptcy because they do not have the debt information or the correct company holding my loan. My sons and I have been in this house for going on 20 years and ever since XXXX loss my note in XX/XX/XXXX, it has been public record and people have the ability to gamble with my home. I do not know anything about my payments and I have not for years because it has been transferred so many times and no one has addressed this major issue. HOW MUCH IS MY HOME? I saw an attorney who is doing investigating and was pleased that I have CFPB involved because they want more people involved with this matter. I have given them permission to contact the parties involved. Please help me with this new matter along with the previous complaints with other parties.

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I accepted a new credit card offer for an American Airlines AAdvantage Platinum Select Mastercard from Citi in XX/XX/2019. The card offered a select # of bonus airline miles if a specific amount was charged on the card within the first few months of having it. 

I set up all of my credit to be paid in full on a monthly basis via auto-draft and did the same with this card and set about using to earn the bonus miles. 

In XX/XX/XXXXI received a call from Citi stating that my account was past due and requesting payment. I notified them of their error in not drafting my account and authorized an ACH transfer for past due and outstanding credit charges with the representative noting an auto-draft for the full amount outstanding would take place at next billing cycle in XX/XX/XXXX, leaving a XXXX  balance. 

In XX/XX/XXXX, the total amount due ( both credit and finance charges ) was auto-drafted and I made call to close the account only to be notified that there was an additional finance charge, not disclosed in the XX/XX/XXXX statement ( which showed payment in full for all outstanding balance ). 

My request that this charge be removed was declined by Citi. My requests to speak to a superior or other authority were also declined. 

I accuse Citi of failing to honor customers ' requests to auto-draft charges in full on billing cycle basis in order to generate fraudulent interest charges.

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 2020-02-11 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: MN

Complaint narrative:
Im filing a formal complaint on midland credit management after reviewing my credit reports on all three credit reporting agencies I noticed that midland is in violation of the FCRA and the fair debt practice Act I disputed this account numerous times with all of the four major reporting credit agencies and midland failed to note the required noticed of dispute on all of the reporting agencies this information must be deleted immediately for violations. Midland please send me in writing confrontation that this tradeline has been removed from all reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I disputed an account with XXXX and the collector on XX/XX/2019 but they keep verifying it. MIDLAND FUNDING LLC attempts to collect {$3700.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: AR

Complaint narrative:
My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: AR

Complaint narrative:
My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I saw an account with LVNV funding on my credit report. I do not know who that is. I have written them several times and disputed with the credit bureaus. They have not responded to me in writing as I have asked. Instead they have just continued to threaten me with a lawsuit via phone calls repeatedly at work. I am so tired of this. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I was an applicant on a synchrony bank revolving account XX/XX/2019 and they marked me late and dropped my limit because of nonpayment by another applicant on the debt, they never once reached out to me in anyway to let me know that the account was late. Once I found out the account was late, via a credit report, I called them immediately and paid past due charges and took over the debt entirely. If a company can hurt somebodys credit so badly and affect their lives, they should call that person and let them know a payment is late. Mortgage companies and many others make that call every month if somethings late.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I was notified by Sterling with an email showing me my background report that was shared with perspective employer. I was alarmed to see that they had shared information dating back from a XXXX XXXX that I was discharged from XXXXXXXX for in XXXX. 

When I called and asked them why did they share my complete history when Texas laws protects me from this form of reporting, I was told that the Fair Reporting Act allows them to share my entire credit history. 

On the employer application I did not explain anything more than 7 years ago and this impacts my ability to now give an explanation and makes me appear as though I was hiding this. This may impact there decision negatively in my hiring process and even if I do get the job, I am embarrassed, ashamed, and feeling exposed to negative views of me after having a solid interview and immediate job offer this is not how I want to enter a new company. 

I would like help getting all this figured out. 


Respectfully, 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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
On or about XX/XX/2019, the consumer disputed an alleged debt with XXXX XXXX for an alleged payday loan made around early XX/XX/2019of the same year at Rapidcash store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing Rapidcash. XXXX XXXX failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back during the XX/XX/2019 time period my card was lost/stolen. The person who stole the card proceeded to utilize the card in the state of Wisconsin making a multitude of unauthorized purchases. As soon as I became aware of the fraudulent transactions, I filed a claim with the bank ( Capital One 360 ) and  explained what happened as well as submitted a police report as well as documents showing that I was not in the state of Wisconsin at the time of the transactions. The bank repeatedly denied the claim based on facts that either were not true or did not have anything to do with my case. I escalated the case as far up as it could possibly go but continued to get the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is regarding potential fraud by two credit reporting agencies, XXXX and Experian. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

XXXX provided a FICO score of XXXX to my XXXX XXXX XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

Experian provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.

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 2020-02-11 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: CA

Complaint narrative:
I disputed an account with Experian and the collector on XX/XX/2019 but they keep verifying it. XXXX XXXX XXXX XXXX attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.

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 2020-02-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It's not my inquiries, i never applied for this companies.

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