vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I was informed by my lender that this debt was on my credit report. I called the company Phoenix Financial Services LLC XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX XXXX said it was a medical bill from XX/XX/XXXX. He rattled off a medical procedure name which I have not had and could not produce documentation for the original debt and told me it would take months to get it. He kept trying to get me to say the debt was mine and I wouldn't. I keep getting tons of unknown calls which I believe to be from this company and they don't identify themselves with caller id or leave a message. I have filed a report with XXXX and with XXXX because I believe this is fraud. I have paid off all my debt as of XXXX through XXXX XXXX XXXX and do not believe this to be a valid debt. These companies need to stopped from these strong arm tactics of trying to get people to pay bills they don't owe. I have paid all medical and hospital bills for which I have been billed either through personal check or via my federal XXXX XXXX XXXX XXXX XXXX plan. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$37.00} Is CollectionYES Open DateXX/XX/XXXX Payment StatusUNPAID ( D ) Status DateXXXX NamePHOENIX FINANCIAL SERVICES LLC Street AddressXXXX XXXX XXXX XXXX XXXX CityXX/XX/XXXX StateIN ZipXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: VA

Complaint narrative:
Received a bill on XX/XX/XXXX from Elevate Recoveries , LLC collecting for their client XXXX,  XXXX with the original Creditor XXXX XXXX XXXX XXXX, XXXX. XXXX has tried with 7 different Collections agencies trying to collect on this debt. I have requested on 6 other occasions to validate this debt with the Original bill, signed Hippa document along with a copy of my driver licenses. Each time documents have never been sent to validate this date. 

I spoke with XXXX at ext XXXX on XX/XX/XXXX requesting that the debt be validate with the bill, signed hippa form and a copy of my drivers license, XXXX stated that they only had to send the bill and she would request this information from XXXX. 

I spoke with XXXX XXXX XXXX XXXX and they informed me to request this information from the Collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TN

Complaint narrative:
I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Of the three credit bureaus, Equifax is the ONLY one that won't send me credit report online but has no explanation on why. I am not going to mail NPI data to them to get it by mail. I suspect the questions they ask don't have the right answers because I know my situation -- my mortgage was paid off in XXXX, I have no car loans, and only one credit card that I use on a regular basis ( a couple more that are less frequently used ). I've lived in the same house since XXXX, and only one other place from XXXX. So most of the answers to their questions they included are 'not applicable. ' I thought about trying to call the number on their website, but a reverse phone lookup did not indicate that it was really for Equifax ( one told me it was for a jail in Geogia, another to an individual there, and same phone number can not be for multiple places. ) I was unable to find a way to contact them online. 

Here is the response I got today when trying to get updated credit report, and something similar happened the last time I tried. 
Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I know at least one reporting service has me linked to an XXXX XXXX, KS, address where I never lived ( my ex-husband moved there with his girlfriend back in the XXXX though ). I have at least learned enough to be able to answer that question 'correctly ' according to what they apparently have for me in XXXX XXXX , even though it is WRONG! And annoying to have it show up for verification every so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Ive been disputing this debt for years without any resolution. XXXX, My former cellphone provider, reported that I owed them {$1000.00}. Which is a ridiculous sum of money to be owed to a cellphone provider. I dont owe that and never have. And have never been given proof stating what the charges are for. They sent my debt to an agency and put my account into collections where it been for years. I disputed the charges through XXXX, XXXX, and even XXXX XXXX. Ive used a credit repair service to fix this as well. Yet its still on my credit and nothing provided to me justifying the amount. I do not owe {$1000.00} to XXXX. Ive tried calling the collection agency to negotiate a settlement for an amount similar to what I actually did owe XXXX and the employee hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is with Multiple credit Bureaus. 
My first complaint with with Transunion regards to incorrect, and items that are on my credit report that do not belong to me. 
The following are the companies that where allowed to be added to my report : -XXXX XXXXXXXX XXXX XXXX XXXX XXXX-never had an account with this person/company. 
-XXXX XXXXXXXX XXXX included in bankruptcy XXXX XXXXIdentity theft that occurred in California that I could not resolve. shows in Bankruptcy which is not correct. 
XXXX-was dismissed in Civil court in XXXX California due to Identity theft. XXXX is the docket number XXXXletter received ( 2 letters ) from XXXX advising that they can not locate this record. Second letter dated XX/XX/2021 stating that this ( debt ) was sold to XXXX XXXX and they do not have any information. 

They also have several address and names listed that have never been my legal name, and address. 
I continue to write dispute and try to make things right. Nothing happens. 

My names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( current )

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 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA

Complaint narrative:
I requested a broker price option because the value of homes where I live has risen significantly and I believe I have enough equity to stop paying PMI. A sunwest mortgage company representative told me XXXX was an option and took my payment information by phone to move forward with the process. I waited over a month for a reply and received a voicemail telling me that I'm not eligible because I requested a forbearance while I was furloughed from work during the Covid shut down in 2020, almost a year ago. My account has always been in good standing, the forbearance period was the only time any of my payments were not made. Those payments were made before they were due at the end of the forbearance period. I don't think I should be disqualified from a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing you this statement once again to inform you that you have indeed violated my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. Basically, you are committing identity theft.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also, there is not a possible way debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). You have been messing up my life with this false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
Have tried to connect with credit bureau TRANSUNION on multiple occasions to get hard inquiries removed that are unauthorized. Spent several hours with them on the phone and also typing and sending off letters to Transition on MULTIPLE occasions to get these inquiries removed. Spoke with them and they informed me that they don't have a time limit to respond to inquiry deletions. have spoken with these companies via telephone and they've confirmed they have no knowledge of these accounts being removed. 

XXXX XXXX o - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX I - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX TRANS UNION - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX ( MULTIPLE ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-05-21 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: NJ

Complaint narrative:
I have hard inquiries on my TransUnion credit report that are fraudulent because they were not authorized by myself and should be removed. The inquiries are as follows : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX I sent several letters to TransUnion disputing these inquiries and called their office as well with no success. I did not authorize these inquiries and TransUnion has not provided any written proof bearing my signature indicating that I did. The above listed inquiries are being fraudulently reported on my credit report by TransUnion.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TRANSUNION HAS LISTED AN ACCOUNT ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE. 

THE ALLEGED DEBT ALSO DOES NOT MATCH THE LISTED AMOUNT ON THE CONSUMER REPORT. 

THIS ACCOUNT IS FROM AN DEBT COLLECTOR THAT HAS VIOLATED THE FOLLOWING LAWS : XXXX XXXX XXXX IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.

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 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood locked XXXX of the cash in my account. Claiming the error was on my end. 

I sent them screenshots and followed every step that they claimed would free up my account. 

They literally gave me a run-around like some scammer. I XXXX this problem to discover that it is a common one. This is not acceptable behavior, especially not for an institution that handles consumers money. I honestly do not know how they are still allowed to conduct business in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
I contacted Certified Bureau of the south on XX/XX/XXXX regarding two accounts showing on my credit report. They were previously disputed and was told both were verified yet XXXX couldnt tell me how they were verified because I was able to provide proof of payment dated XX/XX/XXXX. XXXX has supposedly escalated the issue. 
In my call with XXXX I was told that I didnt owe anything with Certified Bureau of the South and they werent reporting anything. I asked to speak to someone who could look into the issue further and XXXX disconnected the call. I called back several times and no one answered the phone. On XX/XX/XXXX, I had to block my number to get someone to answer my call. I was then told again by XXXX that I didnt owe anything and she had record of my payment from XX/XX/XXXX. When I asked for someone to help with the reporting I was then put on the phone with XXXX who also assured me I didnt owe anything. When I pressured them about my credit report XXXX suddenly found two open accounts that arent linked to my Social security number I explained that the payment was made for them in XX/XX/XXXX. She had record of my payment but wasnt sure why these were still showing up. I again asked to speak to someone who could correct the matter and XXXX then said she would have to have someone call me back. 
I have not been contacted and they no longer answer the phone when I call. I have proof of payment from Chase bank made in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: AZ

Complaint narrative:
Received a notice that Vance & Huffman LLC has a collections item on my credit report. I believe the debt is paid. I asked for proof it is not paid and that they own it. None has been provided. I want them to remove the account and cease activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/21 my parents called me that they received checks in the mail for TD Bank. I no longer live at that address and did not open an account or order checks with TD. I ahve never had an account there. I have contacted TD Bank and they assured me that their fraud department would close the account and investigate it but that I still needed to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems INC at XXXX XXXX XXXX XXXX XXXX, GA XXXX, has reported an account on my credit report with a balance of {$1200.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. 


-NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: GA

Complaint narrative:
I have 3 collections that I paid off in order to close on my house. I have contacted the collection companies and was told they would be taken off after proof has been shown. I have also contacted XXXX XXXX, and XXXX and given the payment reference numbers to all 3 accounts and the collections are still being reported on my credit. I want these off please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX XXXX is actively defrauding " investors '' and the unsuspecting public about an impending IPO by soliciting investors to buy shares of a company that has no intention of going public. This is ongoing - the website is still up and open to take money from folks of all walks of life, not just accredited investors with plenty of money and a high appetite for risk-taking. They'll take from anyone. I have contacted Chase bank to ask that they reverse this charge but they refused because they don't see this fraud since I offered my info over to the " company ''. XXXX XXXX accepted {$3300.00} from me in return for 300 shares at " $ XXXX ''.

Company response to consumer: Closed with explanation