vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX  with no assistance. I have no other option on getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: NV

Complaint narrative:
I am a fraud-victim of the XXXX and Equifax Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: NV

Complaint narrative:
I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. 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 non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
On XX/XX/2019 a collection was added to my credit report under the name of Receivables Performance. They claim this debt originated from XXXX which was canceled and all equipment returned. Not once have I received a verification of the debt from the company, the amount they paid for my debt, nor any reason for them to possess my identifying information. I informed them the debt was invalid and they did not have my permission to possess or distribute any information including my social security number, my birthday, or any information pertaining to my old XXXX account. I was told they would continue to distribute my information regardless of my request and they could not help me. 

I have received many phone calls during the day from this company. I twelve hour night shifts so I sleep during the day. They continue to call me during these hours after I informed them of my work schedule. They also have threatened me that they would take me to court if I did not pay the debt. According to debt collection laws a debt collector will not contact you during inconvenient times or threaten you with any negative or legal action if they have not filed in court already. 

I need this collection removed from my credit report and prevent any further disclosure of any of my identifying information to any other entity whatsoever.

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 2019-09-11 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: FL

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A ACCOUNT LISTED THAT DOES NOT BELOG TO ME. I AM A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS ACCOUT REMOVE BLOCKED AND DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Today I received several harrassing calls from iQDatainc saying they were collecting a debt. I asked what was he referring to and please provide me a copy of the collection notice. He stated ( I have this recorded and said I was recording several times ) I have not received notice of the debt in collections. I asked for a copy continues to provide an address and the agent said he was not sending me a mail copy. I have received several calls today past XXXX which is unacceptable for a work day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Someone has used my personal information to open or attempt to open accounts in my name without my knowledge or consent. 
I received an alert that an inquiry was made by XXXX on XX/XX/2019 that I did not authorize. I contacted XXXX using the phone number provided with the inquiry and left two messages and have not received a response. I received a alert that an inquiry was made by ComenityCapital/XXXX on XX/XX/2019 that I did not authorize. I called and spoke with someone in the Fraud department who assured me the account was not established and the inquiry would be removed. I have not yet received confirmation of this in writing and the inquiry is still reflected on my credit profile. I received an alert that a new account with XXXX had been reported on my credit with an open date of XX/XX/2019 and a {$370.00} balance. I did not apply for any of these lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On Tuesday, XX/XX/2019 MCM aka Midland Credit Management called my Job to talk about money that I owe on a XXXX credit card in the amount totaling {$400.00} and for another account on XXXX in the amount totaling {$570.00} I kindly asked them to call my cell phone after XXXX and they insisted to keep me on the phone during my working hours as they have called my Job twice a day everyday for the past week. I told the male sales rep collector that I had already sent out a check for the amount of {$170.00}. Then the manager ( male ) got on the phone to tell me to stop the check and they will not except that payment. I told him I was willing to make payments and pay the total amounts. But he insisted that they would like to give me a discount of 40 % -50 % of what I owe and that I would need to have or give them a XXXX XXXX address for this agreement to work. So, I just heard the guy out in what he needed to say was only {$200.00} for XXXX and {$280.00} only for XXXX even though I insisted making second payment agreements in the future to setup and he said that would not work for this deal. I was under a lot of pressure while being on the clock and they said they were running a special deal offer and will end in XXXX. Also that the deal only worked if they had a XXXX  address to send the White Letter, Payment Agreement, and Receipt on paid in full. I told him I live in XXXX and havent live in XXXX for 13 years now. I really thought that was odd but like I said under pressure. They called from phone numbers XXXX and XXXX. Payment was sent for XXXX. That same week my account had an unauthorized transaction of money taken out and I filed a dispute with XXXX XXXX XXXX So, I didnt know that the payment didnt go through. I dont understand if Im looking to paying it off and I mean the total amounts then they should work with me and not lie about making deals and stopping checks because it was sold to them for pennies and just want to get rid of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, Commonwealth Financial Systems reported a negative medical debt that was sent to collections before the original Debt owner XXXX XXXX XXXX XXXX secured payment from my medical Insurance provider who paid the medical bill in XX/XX/XXXX. The amount posted on my XXXX and XXXX credit report states that I am delinquent to the debt of {$700.00}. This was clearly paid and annotated on my medical Explanation of Benefits statement dated XX/XX/XXXX. After repeatedly disputing this with the two mentioned CRA, The Debt collection Agengy ( Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX ) replied without investigating that the amount reported on credit report is correct. I then contacted the original Debt reporter ( XXXX XXXX XXXX XXXX ) who sold the account to Commonwealth Financial System and was given another amount owed that is not correct. Requesting a bill, I then received billing statement with another amount different from the {$700.00} previous reported on my credit report. This information came from Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX in a letter shortly after I contacted XXXX XXXX XXXX XXXX. The information being reported is not correct and I have acquired enough documentation to show that XXXX XXXX XXXX XXXX is trying to collect money not owed that was paid by my insurance and the third party Collection agency is reporting this debt erroneously and using my credit report as a ransom to get me to pay what is not legally owed due to bad billing from the original debtor XXXX XXXX XXXX XXXX. I feel this tactic is to coerce me to pay something or I would otherwise have a negative comment on my Credit report until XX/XX/XXXX. I can send all documentations after I hear back and know I can trust a secure means to send it to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I received notification that my credit report got a ding from collection agency NATIONAL ENTERPRISE for a $ XXXX debt from XXXX XXXX XXXX XXXX an entity I have never done business with in my life. In fact, I recently just settled a former student debt with the IRS last year so this is clearly a fraudulent charge and I have already gotten the FCC, CFPB, OIG involved and put a fraud alert with credit report agencies.

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 2019-09-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$350.00}, {$16000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 




XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX reported a late payment on my account for XXXX 2019 despite confirmation payment numbers. I spoke with XXXX in XXXX regarding a separate question about my account and was told at that time ( around XX/XX/XXXX ) that my account balance was XXXX and I was up to date. A payment entry error occurred on their part and I did not know the account was considered late until it was reported to the credit bureau. I immediately paid XXXX as well as XXXX XXXX in the first week of XXXX, XXXX payment was due on the XXXX and I paid the amount by XX/XX/XXXX or XXXX as well as the payment due for XXXX XXXX. When documentation and proof was provided to XXXX, the information was rectified ; however, I have disputed with equifax 5 times since the problem and they will not remove the negative information. XXXX told me they could not " undo '' the report once it was filed. I asked them why it was reported to begin with since I made the payment and they explained that though it was entered incorrectly on their behalf, the account still shows past due and it automatically goes to the bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: MT

Complaint narrative:
Since XX/XX/2018, Equitable Acceptance has been taking {$49.00} out of my account every month. I recently talked with Navient ( thought I was paying them every month instead of EA ) and was getting by credit dinged for non-payment. They told me to report Equitable Acceptance to CFPB. I was under the impression that my student loans were being cared for by XXXX and I was paying them. Equitable Acceptance is taking my money and has not done any services for me. I feel they have taken advantage of my student debt and used it to scam money from me every month. I don't remember talking to them but it is possible. I receive several calls a day from companies about my student loans. It's hard to keep everything straight, I tried to be careful but unfortunately not careful enough. Thank you for your time. I do not want others to be taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket Mortgage by Quicken Loans denied my loan application because of stated reason that I was ineligible for a loan. The date of this correspondence was XX/XX/2019. This reason sounded strange to me because my FICO score is over 800. When I complained to Quicken loans Client Relations department, I was sent an email on XX/XX/2019 stating that they are unable to provide me with a pre-approval letter because I did not provide my realtor 's email address. The correspondence went on to state that Quicken loans " ... need realtor information in order to move forward with a purchase approval, to ensure that we have strong communication with all parties involved and provide a smooth experience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX my husband and I signed a lease agreement with XXXX XXXX XXXX and put an {$800.00} refundable security deposit down. We were due to move in XX/XX/XXXX. On XX/XX/XXXX we put in 36 days notice that we would not be moving in and were told by XXXX XXXX that we would receive our deposit back as we provided over 30 days notice. On XX/XX/XXXX XXXX confirmed that the unit was re-rented. XXXX not only held our deposit, but also sent us to collections for {$1600.00}. XXXX XXXX charged the current renters, the new renters and us for the one unit. It is against California state law to charge more than one party rent for the same property. 

XXXX XXXX  also included a 30 day move-out guarantee within the lease agreement that included that the security deposit would be refunded if we provided 30 days written notice that we were vacating the property within the first 30 days of the lease. We provided this notice 36 days before the lease was even due to begin. 

Hunter Warfield Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX now holds the debt and every two to four months is entering the debt as a new uncollected debt. For four years and one month they have been entering the erroneous debt as a new charge off. Not only was the debt fallacious to begin with, but they have falsely resubmitted the debt over and over for four years. This is not only harassment but is also falsifying documentation.

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 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was 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 2019-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX  XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX  XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was 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 non-monetary relief