vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: NV

Complaint narrative:
I recently filed a identity theft report in XXXX and there is still showing a collect from Paramt Rec ( original creditor : XXXX XXXX  XXXX XXXX for {$710.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: LA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2019-12-30 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Incident Description THESE COMPANIES ARE VIOLATING MY NATURAL AND RELIGIOUS RIGHTS BY THE USING OF MY PRIVATE AND PERSONAL IDENTIFYING INFORMATION FOR THEIR USE IN COMMERCE WITHOUT MY CONSENT NOR ARE THEY ABLE TO PRODUCE A CONTRACT TO THE CONTRARY. 

ACTING CEO, CFO XXXX XXXX XXXX XXXX {$7300.00} ACTING CEO, CFO XXXX XXXX {$1200.00} ACTING CEO, MIDLAND CREDIT MANAGEMENT {$1200.00} ACTING CEO XXXX XXXX XXXX {$140000.00} ACTING CEO XXXX XXXX, XXXX.Address : XXXX XXXX XXXX, XXXX XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX , XXXX. Address : XXXX XXXX XXXX XXXX, OH XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX {$5000.00} ACTING CEO XXXXAddress : XXXX XXXX   XXXX XXXX XXXX, TX XXXX {$5000.00} ACTING CEO XXXX  XXXX. {$5000.00} ACTING CEO XXXX  XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX. {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX  XXXX XXXX and shellpoint service and now XXXX are trying to charge XXXX me by increasing my monthly payment made up late fees and every way they can have to get my home their XXXX   goes to far as make allegations like I made a bankruptcy I did not but they claimed it all to make me pay for their extra fees and keep paying more but not proved on XXXX when they force me to signed their papers thought the court after paying my 3 payments in their called loan modification I notice that contract was not in my favor and by law their contract was supposed to be between the 2 parts agreed in their contract and they added so many made up charges so they increase it for more than the house was value their called help to keep your home was not good at all but they their loan modification was a fraud but I did not have more money and the lawyer I Got to help me did not helped me at all he side with them and told me that I got no options but go with it and after a year pay them they will be helped me more and I did not have to pay for any extra payment in the money they put extra more than XXXX they claimed my scrow my late fee lawyers fees and some many other extras made up expenses they claimed I owed them that money I was to pay it with 10 years and the original loan was not into it now XXXX XXXX XXXX fraudulent thinking of how to XXXX more money and keep the house they started to tell a XXXX about bankruptcy that my wife XXXX in XXXX and she was not even in the loan proved no other paper where into her name before XXXX but claimed she was even that she was I got my fraudulent Government helped on XXXX they sold my mortgage to who knows because 4 mounts ago shellpoint send me paper saying I owed them more than {$5000.00} dollars they don't know from where with out any proved but same papers that XXXX XXXX XXXX lawyers were harassing me dated from before XXXX they claimed I owed but not prove after few complaints to this shellpoint fraudalent company they send a paper saying that the new owner of my mortgage was XXXX another fraudulent bank all they got is XXXX not proveen that I owed any money because if they claimed it is for the scrow they adjust the scrow every time my insurance or taxes when up since XXXX when i was to start over my mortgage loan shellpoint costumer services told me Few mouth I owed them but when O send the proved they keep saying it is another mount but don't even know where or when they told me last time I talk to them every thing was fine but next statement come with late fees and extra charges now. XXXX ir XXXX XXXX XXXX or this company shellpoint want to charge late fee interest and all the charges they made up tha is called fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
You can look at my credit where this same company for one keeps running my credit without my permission. It originally was mariner finance and they sold it to another company. Now on XX/XX/XXXX they ran my credit for no reason at all. I am not the main person on this account and it is deleted off of my credit. They told me they are allowed to keep hitting my credit but it is against the law. They are also doing the same thing with my husbands 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 2019-12-30 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Good day Sir/Madam, I am writing to file a complaint of fraudulent promotion of its rewards card which is the Good Sam Credit Card of Comenity Capital Bank promoted by XXXX XXXX XXXX XXXX 

I could not remember the exact date, but it happened either in XXXX or XX/XX/2018.  Heres why this is fraudulent. I went to XXXX XXXX XXXX XXXX to buy a fishing hook. As I was paying for it, the cashier told me that he could give me the fishing hook for free by applying and getting approved for a Good Sam Rewards. I got interested and asked him, Is the Rewards like a XXXX XXXX or XXXX in which you earn points? He answered, Yes. I asked him again, Do I have to pay to join for this rewards? He answered, No, but every time you use it here you have a discount and you earn points. So, I told him that I am interested to join so I could get the fish hook for free and in my mind knowing that the my credit score is really good. Then, he told that I did not qualify for the Good Sam rewards and asked me to pay for the fishing hook. Unexpectedly, he gave me an adapter charger for trying the Good Sams Rewards. I was mad and sad when I left for not getting it for free! After a few days when I checked my mails, I saw the Good Sam Rewards card. I was so upset and told myself that this is a fraudulent promotion! I was not approved as told by the cashier and now here it is in my mail box and its a credit card! He did not even told me that it is a credit card. I immediately threw it to the trash bin. 

Today, XX/XX/XXXX, I logged in my XXXX account and it shows I have 6 open accounts. I counted my credit cards in my wallet and its only five. I review my XXXX  open accounts and the Good Sam Reward Credit Card is open which I did not activate and was never approved for. 

I am seeking help to CFPB to close the Good Sam Reward Credit Card of Comenity Capital Bank under my name which I was not approved for and I did not activate this card. Moreover, any inquiry under my name done by Good Sam Reward Credit Card of Comenity Capital Bank be removed to all the three credit bureau so my credit score is not affected. 

I hope that this fraudulent promotion be stopped so other people wont be deceived. 

Thank you and happy holidays!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 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: FL

Complaint narrative:
I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it Experian, XXXX and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof Experian must remove the accounts listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2019-12-30 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 submitted complaint against Equifax handling of this readded fraudulent item on my report called XXXX XXXX/originally XXXX as an ordinary dispute process, when it should have been deleted. I will be seeking legal representation in this matter, because this particular bureau is completely handling fraudulent items in a manner of unimportance and it is not right at all. This same item was listed on all three bureaus, which they have deleted readded item except for Equifax. I am having to have this displayed on my report when it is not mine. I have provided letter from XXXX stating it is not my account and this item still shows on my report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, XXXX and Trans Union have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 2019-12-30 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: FL

Complaint narrative:
I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, Equifax and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on TransUnion. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on TransUnion, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also have a Ftc Report and a police 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 2019-12-30 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: Synovus Bank
State: TX

Complaint narrative:
First progress does not acknowledge the military lending act nor the XXXX. I have given proof of XXXX XXXX orders as well as proof of becoming permanently XXXX from my service time. They state I am not on an XXXX XXXX registry currently. Obviously not, I became XXXX in XXXX and can non longer work, let alone be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Estate Information Services, LLC
State: ME

Complaint narrative:
Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a XXXX card. When I contacted XXXX about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told XXXX there was no estate. XXXX has given this account to a company called Estate Information Services, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: CA

Complaint narrative:
I have lost my wallet several times through out the years and XXXX day I got checks in the mail from XXXX XXXX on an account that I never opened. At the time I was not monitoring my accounts or my credit report. From this experience I singed up for a credit monitoring service and that is when I noticed this charge off from XXXX CKS Financial that I never knew about. Along with this charge there were many other inquiries from various lenders and accounts that were open in my name that I never opened. There were bank accounts and even bills paid on in my name that I never paid and services that was being used that I never used. This has ranged from loans, to cell phones and internet services that were being used in my name and the bills were being paid. On one occasion I got a text message from XXXX saying that my XXXX  account may have fraudulent activity on it and I called XXXX to notify them that I do not have an XXXX  account and they could not figure out how this happened. To this day there is a bill from XXXX XXXX that is being paid in my name, using my information and XXXX can not find out who the user is and why the statement is being sent to me saying that the bill is paid. There are so many things that I don't understand about this process. CKS Financial owns and account that I never opened and that is fraudulent and bills were being paid in my name and money was being transferred that I never knew about. I filed a police report that is attached and I would like to be cleared from this debt and the delinquent account to be taken off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Collections Services, Inc.
State: SD

Complaint narrative:
We have a debt by the local clinic that was sent to this company. They repeatedly called during our work hours then when we called back after work they refused to tell us the name of the company. This was a huge red flag because of scam calls. They decided they would then send our debt unknowingly to us to court. When we called to try and settle they said the amount we could pay wouldnt be suffice and they were going to wage garnish me and my husband for MY debt. This debt is solely mine and per the fair debt practices they are not even allowed to wage garnish my husband in the state of South Dakota for XXXXY debt. Over the phone they were unresponsive on working a deal. I went into the company and have a recording of what happened. We agreed my husband would withdraw his XXXX to place XXXX towards the debt and pay a monthly payment of XXXX XXXX They agreed to this. They did not stop the court from wage garnishment even after we made a payment. My children did not have a XXXX because we spent the only money extra we had to them. This is poor practices and frankly I feel like this was a cruel thing to do to a family especially after an agreement between the company and us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, my account was compromised. Someone sent themselves {$410.00} & {$580.00} 2 transactions. The name was XXXX XXXX. 
This was not authorized by myself, I realized this a day later, when I was trying to remove money from an atm.

Company response to consumer: Closed with monetary relief