vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have had a medical debt that is not mine reporting on my XXXX  credit report from LJ Ross in XXXX Michigan. Its been 6 years now.. I disputed this on my credit over and over. I haven't used the XXXX XXXX for almost 12 years. I do not owe the amount they are listing on my credit report and it is Destroying my credit score. THey have not responded to any attempts I've made to contact them through the years. This is so old that there is no way I would even have any documentation of my last bills paid with XXXX XXXX almost 12 years ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I recently got some papers mailed to my house from Transworld Systems Inc saying I owe a debt to them of {$1000.00}. 


I dont know this company never done business with this company this company doesnt have any contract with my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I signed up for MoneyLion for a loan, which requires a monthly membership fee of {$9.00} for access to this and other features. They release XXXX for the loan and hold XXXX until you pay off the loan. The loan repayment terms is about {$45.00} every paycheck. 
They also have an XXXX  feature to get quick cash when you need it with no fees ( supposedly XXXX. 
I took out one quick cash advance of {$50.00}. I was debited {$59.00} for repayment. 
This morning, I woke up and see I was charged an additional {$330.00} two times for XXXX XXXX. 
So, in total, I took out {$50.00} in XXXX and was debited, {$720.00} for XXXX XXXX. 
I am not sure where these charges are from as I only took out {$50.00} once, and the terms of my loan didn't include two payments of {$330.00} on top of each other. 
I would like my money back and my account canceled. I did not authorize this. No one informed me of this and it is grossly unfair and abusive being a company that supposedly helps you build credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt is not mine. This was a result of identity theft back in 2019. I was harassed by this collection company multiple times through email so I hired an attorney to help me. 

My attorney wrote to them : Dear Sir or Madam : This law firm is legal counsel to XXXX XXXX XXXX XXXX, your account number XXXX. All further communications regarding this matter should be directed to this Firm. This is a disputed / fraudulent debt and has already been reported as such to the numerous reporting agencies which have resolved this matter in our favor many months ago. This bad paper keeps getting passed around. 

If you have any paperwork to the contrary showing the debt is still valid and not fraud, please forward same to my attention. Otherwise, I assume you will be letting your client know that no further action shall be taken on this matter. 

Kindly be advised of your obligations under the Fair Debt Collections Practices Act. Be guided accordingly. 

All of XXXX XXXX 's expressed or implied rights and remedies at law and equity are hereby reserved. 

XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX As soon as this email was sent, the harassment stopped but now about 4 months later they have posted this collection in the amount of {$14000.00}. This is collection that stemmed from a loan that was claimed identity theft back in 2019 is now on my credit and affecting my life. 

This collection needs to be removed ASAP because it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
XXXX XXXX XXXX they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been in contact with Bank of America, attempting to retrieve my stolen funds in the amount of {$370.00} since XX/XX/2021 with no success. I have reopened the claim several times and they continue to auto-close the claim.

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 monetary relief
Consumer complaint received 2021-07-17 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: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
When covid started I received a decrease in hours of my work so I had to cut any bills possible in my home. I stopped my XXXX  XXXX  services and paid the full amount at that time. They have proceeded to to claim I didnt pay my bill, charge me penalty fees and and put it into collections to destroy my credit. I've also received derogatory and threatening messages. I have disputed this several times and they continue to report it on all my credit bureau 's ea month. They have also contacted experian to put a lock on my credit report where I can no longer dispute their Collections item.It has decreased my score almost 50 points, and threatens my ability to get a better job or to get a fair rate on car insurance insurance for me and my son. I am a single mom and have been struggling since my divorce. I have reached out to this company and sent them several emails even asking asking for a settlement, but I do not feel at tjis point that I should have to pay a dime when I that I should have to pay a dime when I paid my previous bills in full. I also requested covid support assistance during the pandemic to write off this supposed bill and received no response. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last 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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the 4 different credit cards and two of them were with Chase. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several representatives from Chase over the course of the last few months.. I was thanked for being such a good customer a few times. I sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have heard different things during this process - my fee paid non refundable ; significant time has passed - merchant not required to credit, took place too long ago ; bank not allowed to file claim ; and the merchant made services available for my use. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
I even contacted XXXX to file an arbitration claim which is in the Chase cardmember agreement but never heard back from them. 
My last discussion with a supervisor in Chase 's dispute department uncovered that Chase has no process in effect to dispute lawyer fees paid. 
I have received recorded calls from Chase to pay my past due balance with includes late fees and interest charges on one account where the dispute is now closed. The other Chase account dispute is also closed but I have not been billed a late fee or interest charges and there has been no contact to pay my past due balance. 
My account has always been paid on time and with full balance paid each month but I now have a balance of just the disputed amounts and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last 4 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This collection agency reported to my credit a debt that does now exist because information on my insurance was given to progressive and account was satisfied prior to the listing and collection agency never sent a letter to verify debt or they would have known that also not even one call to my number. I feel this collection agency violated the federal debt collection practice which is there to protect the consumer I feel they should be fined as a base of XXXX violating the law its said how this collection agency feels there above the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
On XX/XX/2021 a validation letter was sent to Con Col Management ( XXXX. XXXX XXXX ), this company never responded with validation. I am requesting complete validation or these items need to immediately be removed from my report. I need ALL DOCUMENTATION REQUESTED. I would like a complete breakdown of all charges and also signed XXXX release with my signature. If this can not be provided I would like this to be removed immediately. Attached is the original request for validation. On the letter shows for each account being requested as well. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MN

Complaint narrative:
I was working with a loan originator and processor and the process was very confusing to close on the loan. There was a lack of transparency. The loan process seemed predatory in nature. I began to have serious doubts Amerisave would be able to close on time per the purchasing agreement. I ended up deciding to cancel the loan with Amerisave and going with another lender where the process was much smoother and way more transparent. I am concerned about the loan disclosure with Amerisave stating, " This Agreement also can not be changed, modified or cancelled except by a written modification signed by one of AmeriSave 's Authorized Representatives. '' The other lender I decided to go with had an expiration date for the disclosure agreement. When I decided to go with the other lender, I emailed the loan originator at Amerisave stating my cancellation of the loan and requesting confirmation. I got no reply from the loan originator. The sales manager called me soon after the email and began to argue with me over the phone for an extended amount of time only to give me a verbal cancellation. I think Amerisave 's predatory nature against inexperienced consumers is wrong and more consumers should be warned about them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank has a 30 day late payment on my report for XX/XX/2017. This information is incorrect as I should have 100 % payment history on report. I reached out to M & T bank they could not pull my records the first call. The 2nd call I was told that they do not and can not remove the item. 

I would just like this incorrect info removed 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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to unfreeze my credit so that I can obtain a new credit card. I originally froze my credit through the equifax website 's " myEquifax '' account. Upon entering my information into the website, I was presented with a simple " call us '' and a number instead of simply logging me in. My attempts to get the situation remedied have been muddled by employees at the company doing nothing to aid me. Equifax seems to be pushing individuals towards its new " lock and alert '' service instead of its regular, convenient, and FREE service " myEquifax ''. Please look into this. Tell them to fix their website and stop pushing a service that no one wants or needs. A quick search online has revealed that this " issue '' is affecting thousands of people but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX being reported on TransUnion and XXXX. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!

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 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Disconnected the account and was given an incorrect final statement. XXXX XXXX XXXX keeps submitting my account to collections after repeatedly trying to fix the issue. XXXX sent me an updated statement reflecting a negative balance and even sent me a XXXX giftcard with the balance they owed me. I disputed it with a previous collection agency and they removed it, now a new collection agency is trying to collect on the same wrong balance. XXXX XXXX XXXX is extremely difficuly to communicate with. I have spent hours on the phone trying to resolve it.

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 2021-07-17 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: GA

Complaint narrative:
I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!! 

These accounts need to be removed from my account IMMEDIATELY!!

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 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I sent them a cease and desist letter asking to stop trying to contact me and I was in the process of contacting the original creditor About this debt thy claim I owe. 
And to remove all entries to the credit bureau because there inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation