vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 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: NY

Complaint narrative:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.

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 2019-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
IambeingsuedbytransworldsystemswhohaspartneredwithXXXXXXXXXXXXtosuemethroughXXXXXXXXXXXXwhocallsmewhilewhereincourtuntilXX/XX/XXXXtomakeanunrealisticdeal.TheyalsonevercalledmeinthebeginningandinsteadcalledandauntwhoIdontevenspeakto.Also,theywantedtomakeadeal.Whatdealyousuedmeandforunjustanduntruthfulreasons.TheyalsoreportedmycredittodayandIreceivedandalertandsoIinformedthecreditbureauofexactlywhathappenedfrombeginningtoendstartingwithXXXXwhichiswhotheloansbelongedtofromacollegeIdidntfinishsincethefinancialaidofficeatXXXXuniversitymessedupandsentmyloanbackinmysenioryearleavingmewithalargedebtandnojobtopayitandIsufferfromXXXXsowhoknowswhenmynextXXXXXXXXwillbe..rightnowIpayXXXXbecausetheysetarealisticdeal.XXXXgavenoreasonableoptionssincetheywereawaretheco-signerdiedthedaytheywantedthemoneyandthensentittoXXXXXXXXXXXXwhowantedmetopaytheirfeesalongwiththefeesalreadyonmyloans..impossibleforwhatImake.Iftheyresuingmewhyaretheyharassingmeshouldntweletthejudgedetermineandorlawyers.RightnowmepayingthemalongwithpayingalloftheotherloanswouldplacemeinextremehardshipforadegreeIdidntgetbecauseofXXXXUNIVERSITY.IwillspendmyentirelifefightingthisandifIhavetoIwillforwhatwasdonetome.NotdoIsufferfromXXXXandXXXXXXXXIamnowbrokeduetoprivatestudentloanswhenIplannedoncompletingmydegreeandXXXXmessedupmyfinancialloansbeyondthedeadlineperiodandleftmewithaschoolbillthattheyfinishedpayingoffbecauseiftheyhadnotmyco-signermygrandmaatthetimebeforeherdeathcalledthemandthreatenedtosuethem.SinceXXXXuniversityhasdonetheirjobatcoveringtheirmistakeupbutmyentirefamilybaredwhitenesstoitandsincethenthesamefinancialaidofficerattheschoolwasfiredforsayingIwasfinancialclearedandacoupleofkidswerewhenwewerentintheendinXX/XX/2009its10yearslaterandIhavebeenthroughXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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:
Hello I have a car loan with XXXX XXXX, a Credit Card with XXXX XXXX and two student loans one with XXXX and one with XXXX. 

I paid all these accounts back current around XX/XX/2019 and by now I should see my score increase and these accounts no longer showing late. After numerous calls, I can't get Equifax to budge and update these accounts which is holding me back from having a score needed to proceed with important financing. 

Both XXXX and XXXX are showing me current but Equifax refuses to update my credit report reflecting I am now current on those accounts. Equifax still shows me delinquent on all three. My score increased by 72 points with XXXX, 64 points with XXXX and my score is still low and has not changed at Equifax. This is how I know they are not updating my accounts. All creditors have advised me they have accurately updated and sent my new payment history showing current to all three credit bureaus including Equifax. I'm not sure if they are behind or what it is but I need them to update my accounts accordingly or I'm suing them for inaccurate reporting and causing me a delay in financing. Please contact them and make them do the right thing. This is very unfair! My email address is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: NY

Complaint narrative:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My name is XXXX XXXX. This complaint is for GAP VISA/SYNCHRONY BANK credit card For my XXXX statement balance of {$1800.00} I made the payment twice and ended up being a credit balance of {$1800.00}. I called them to refund the money and they stated they mailed me the cheque on XX/XX/XXXX at my address however after waiting for more than 3 weeks I did not receive the cheque in mail ... I called them multiple times to reissue the money with expedite shipping and give me some tracking number so then I can track and make sure they are issuing the refund ... t. but they denied my request. They are saying that they have reissued the cheque with regular mail on XXXX but I still did not receive the cheque and there is nothing they can do.

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 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
I received a notification early XX/XX/XXXX from XXXX XXXX that account has been placed in collections. This account is from XX/XX/XXXX no specified date I have no knowledge of this account no knowledge of this company and never received any services from this company. I took a look at the XXXX reviews for this company and it seems that multiple people have had the same issue for the same date in the same year. This is fraudulent it has had a negative impact on my credit. The name of this company is XXXX XXXX. Located XXXX XXXX XXXX XXXX XXXX Michigan 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 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has been harassing me about a debt for awhile and will not remove it from my credit report. I have written letters to them to validate the debt. Each time they will not provide me with documents that I request. 

They have been asked to provide a document with my signature to show a contract was created for the debt but they do not and instead just send me a generic form they use which always seems to have the phrase " We are uncertain of what you are specifically disputing. '' I also indicated I have no contract with them between myself and their company. They will never respond to this either. They are trying to collect on a debt that has been in dispute. It is crystal clear what I am asking. I ask of them to provide me documents to reserve my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Chapter XXXX Bankruptcy 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 2019-03-01 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-03-01 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:
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached my proof of ID. I do not live at the following addresses : 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 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 The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
So, I was told my loan would be taken care of by this company ameritech financial, I was paying them faithfully. They always wanted me to send them copies of things and I never understood why. This was going on for years actually I believe and then I get an email saying fraud? I need to get to the bottom of this and hopefully get my money back and figure my loans out. I paid alot for school and to have to restart will be devastating.. please help!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
These matters are at a minimum intentional gross negligence and at worst just plain fraud, COMMONWEALTH FINANCIAL SYSTEMS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: IL

Complaint narrative:
On Friday XX/XX/19 at XXXX I received a voice message from XXXX XXXX a senior representative at XXXX XXXX XXXX Caller ID showed XXXX ( XXXX IL ) but I was asked to call back XXXX Ext XXXX a New York number. I called the number back and spoke with someone ( I did not get the name ) who said they could help me. He demanded my SSN and other personal information which I am not giving out especially since they did not say they were a debt collector, or who they were or what company they were from or the nature of their business with me. He stated he will not answer any of my questions until I gave him my SSN. I told him to send me a letter to the address of record and he stated " that ship has sailed honey too late for letters '' at that point I tried to end the call and he then stated " hey just pay your bills lady ''. I ended the call. 

XXXX XXXX then used a cross reference to start calling people that I barely know and leaving lengthy messages for them. He stated ( on the voice mail ) that he has been trying to reach me for XXXX weeks ( false-I have phone records that show first call was on XX/XX/19 ), he also went on to say this is a very serious matter and he is trying to do all he can to help me with this matter but time is running out and he needs to reach me by XXXX. He ended the call by saying " If I don't hear from her by XXXX I wish her all the luck with this matter ''. What exactly does that mean, was that a threat? A similar message was left on 3 other voice mails of people I haven't talked to in years not to mention the other people in their home that heard that message. I will not have my reputation compromised by XXXX XXXX or anyone from XXXX XXXX. 

Other phone numbers used : XXXX ( XXXX XXXX, IL ) ..the phone calls are unending and frequent with spoofed ID but to always call back XXXX. These calls were robo calls. 

This company has been investigated by the XXXX and were asked to provide specific information - company responded but did not provide any of the requested information. This company was involved in a federal case where XXXX attempted to collect illegal and voided debts to coerce payments from their harrassed victims. I believe I am a victim of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: TN

Complaint narrative:
I lost my job and got behind on my payments. Called today ( XX/XX/2019 ) to make a payment and a half plus a little ( XXXX ). I also had XXXX in a suspense account for a total payment of 2 months plus a little. So I called to make the payment and was told they couldn't accept any payments and I asked why and was told because I was in forclosure. I said that's news to me I've not been notified and they said that's because they started the process today. I said so you started forclosure on same day I'm trying to make a payment that's convenient. So I asked what happen with the money in my suspense account and was told o we used that and applied it to your escrow account. I said it was supposed to be used towards a payment and they said they could use it however they want. I called 3 times today trying to figure this out was hung up on twice and finally got transferred to loss mitigation the third time after being told I could apply for a modification but I would most definitely be denied. Then I was transferred to loss mitigation and he told me he was mailing a packet and he didn't see a reason I would be denied This company is Selene Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The collection company responded to my complaint, and responded that this account was no longer valid and removed.

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 2019-03-01 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: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
This is additional documentation to fully explain the collection and it's lack of validity. This debt has past the statute of limitations as per the new law in California where a debt can not be collected or put on a consumers credit report if the last billing is 4 years or older. This debt is XXXX years old to date. Please review letter to explain all details and the exhibits to back up to include court orders, etc. 

I offered a settlement and the collector refused to make arrangements with even though I don't owe the money, he said he was going to ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.

Company response to consumer: Closed with explanation