vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
2 loan companies ( Cash Central, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX XXXX  ) are involved. 

This was a request to Cash Central and XXXX XXXX to remove from XXXX XXXX and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of Cash Central obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX by Cash Central in XX/XX/XXXX ( CASH CENTRAL, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). Cash Central is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX  provided Cash Central with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The Cash loan was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with XXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ), and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from Cash Central or XXXX XXXX. 

A police report was filed. 

In summary, the Cash Central loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
As most people are I was odviously out of sorts when they rushed me to XXXX in a XXXX   XXXX after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX  Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Yes the assurant from Equifax told me that they were going to reimburse me the loss and all the issues I have been passing for this mistake in the Data breach with Equifax plus that I have the trusted ID premier they told me that will covered the fraud and identiry fraud but after a month no body call me back they ask me for all the documents and I did send it but know they say they didn't get it and I have the proof that the company signed for the documents I just want to Equifax keep the promises about my identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As most people are I was odviously out of sorts when they rushed me to haon in a neck brace after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.

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 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
the user name for my account is XXXX. Pay pal despite me showing reasonble proof has 100 % of the time sided with dioutes and unathorized charges by default with th merchat with an inivestigation. It is by dfault and the assumption is somehow I made it up. Meanwhile They are ignoring ID theft law and not refunding my money imediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute on a collection account that does not belong to me to TransUnion on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. On XX/XX/2019, I receive TransUnion 's decision regarding my dispute, and they " verified that this item belongs to you ''. Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
Due to the the response of the initial investigation of the 3 major credit bureaus, I'm now demanding the Method of Verification used in the investigation of the following re disputed accounts within this writing that's now being disputed again. It is my rights, my consumer rights to know the details of the investigation. What is the name of the employee who investigated this, what's their title and whom did they contact and how. What physical certified documentation used to substantiate these accounts. If you or your company can not provide such information in a timely manner then these accounts shall be blocked immediately in accordance with the FCRA. Please remove these accounts inwhich is not mines, accounts inwhich I have no contract with. These accounts are fraudulently put on my report and I would like them block permanently and immediately. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$5600.00}, ( 2 ) XXXX   XXXX {$2800.00}, ( 3 ) XXXX XXXX XXXX {$2400.00}, ( 4 ) XXXX XXXX {$680.00}, ( 5 ) XXXX XXXX XXXX {$140.00}, ( 6 ) XXXX XXXX XXXX {$680.00}, ( 7 ) XXXX {$72.00}, ( 8 ) XXXX XXXX XXXX {$71.00}, ( 9 ) XXXX XXXX XXXX {$30.00}, please remove these accounts.

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 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
As a XXXX provider and in contract with XXXX XXXX County XXXX should not charge anything extra and is to accept the payment from XXXX as the full amount. The XXXX listed on my credit report as being charged off is incorrect and i have not seen a bill explaining any charges and showing any payment from XXXX. I also had and have a supplemental policy that should have taken care of anything else. however, they will only pay when a company is not a XXXX   provider. XXXX always comes first. this was sent to a collection agency Merchants and Prof Collection Bureau ..not sure of address or itelephone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts 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 2019-04-15 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: MO

Complaint narrative:
To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX dealersvcs {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts 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 non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX the school already deleted information on my credit report last year and now it came up again

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 2019-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I CALLED THE COMPANY RUSHMORE LOAN MANAGEMENT TO GET THE EXACT AMOUNT FOR MY REINSTATEMENT OF MY MORTGAGE SINCE XX/XX/XXXX ( FRIDAY ) WE HAVE BEEN CALLING THEM DAILY BUT UP TO THIS TIME THEY DONT HAVE THE EXACT FIGURES, THEY GAVE US THE NUMBER OF THE FORECLOSURE LAWYER ( XXXX XXXX ) BUT IS NOT PICKING UP OF CALLING US BACK, WE HAVE AUCTION DATE OF XX/XX/XXXX, I DONT UNDERSTAND HOW LONG WOULD IT TAKE TO DO A COMPUTATION, THEY SEND ME BEFORE A REINSTATEMENT AMOUNT BUT ITS ONLY GOOD FOR XX/XX/XXXX, SO WE NOW THE FIGURE, JUST NEED A LITTLE ADJUSTMENT, UNLESS THEY ARE DELAYING US INTENTIONALLY OR DOING SOMETHNG ILLEGAL, PLEASE HELP MY FAMILY SAVE MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: VA

Complaint narrative:
My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX XXXX XXXXXXXX {$31000.00}, ( # 2 ) XXXX XXXX {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 )  XXXX XXXX {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.

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 2019-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
XX/XX/XXXX, traded old car in for another with same lender. Dealership sent payoff check and instead of applying the funds for the payoff, as stated specifically on the check, instead it was posted as a payment towards my new loan amount. After almost a month of fighting with them about it having to be me only that could send documents, being a copy of the check the Dealership sent them, it was finally applied to the payoff of the old loan and closed. Before they fixed the error, expecting to need an attorney to fix the issue, I was informed this kind of situation falls under bank fraud for having cashed the check specified for other use Only for another purpose period. Their representatives response to this first negligible act, " it was an Honest Mistake. '' Prior to that issue being rectified, I paid the normal monthly amount owed, which was applied for XXXX. No statement or heads up were given as to what would happen when the funds were finalized correctly that I would owe in lieu for XXXX for their XXXX up. As well as having set up for auto draft having been less than 7 days from the due date of my account that it wouldn't take affect for that month which would had been for XXXX. Therefore causing me to miss XXXX 's payment. 
Mail comes stating the vehicle is due for repossession within 2 weeks of receiving in XXXX. When I called about this issue to them, I was in the end offered a few days extension for payment for the last 2 months of nonpayment. 
Upon calling to pay the amount after that call 4-5 days later, i asked exactly the amount of interest that would be taken from the large payment i was about to make. After being on hold for a good 5 mins, i was informed from the representative it would only be {$150.00} taken out. I made sure to ask again if he was sure that was the amount and he Assured me that it was and if not, only a couple dollars difference if more was to be taken. I checked my account today to see that my payment made was {$1000.00} and only {$36.00} and some change was applied on the principal and over 1k on interest! My credit score now also shows the day after I made this large payment I am in collections and past due by 30 days. The statement I pull up states I am only 9 days past due, but then tells me the amount shown ooooh includes next months amount in bill that is due in full by XX/XX/XXXX when the date on the statement 's date is from this month, XX/XX/XXXX. ILLEGAL acts all around and your company states when you call that ALL calls ARE RECORDED. Which will be great for my attorney should I still need him after this attempt to rectify the ignorance yet again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 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: VA

Complaint narrative:
My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX/XXXX XXXX XXXX {$31000.00}, ( # 2 ) XXXX XXXX  {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX   {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 ) XXXX XXXX   {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: MO

Complaint narrative:
I'm disputing the following accounts XXXX And XXXX {$1500.00}, XXXX XXXX   {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report 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 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I received a phone call from Weltman, Weinbeg, & Reis Co, LPA back in XXXX of XXXX. They did not identify themselves as such and demanded my personal information to which I refused and then got hung up on. I called back and told this company to mail me whatever it was they said I owed and that I would not be giving my personal information out. The next thing I know I was served by the Police Department for a Summons and a Complaint for a judgement in XXXX XXXX MI based on a XXXX XXXX credit card which I had in Florida. I looked up my information on the court systems and I have to date XX/XX/2019 see no case pending. I called XXXX, They told me that they were going to not only sue me but garnish my wages, seize my tax return, place liens on my property and seize any real property I own on a XXXX credit card debit unless I agreed to a consent judgement filed with the courthouse and agreed to pay them. I honestly thought at first it was legitimate considering I talked to an attorneys named XXXX and XXXX XXXX and initially agreed to pay them a settlement of {$2100.00} of installments of {$520.00} a month with the balance payable within 90 days. I feel that this is a violation of FDCPA and my rights as a consumer are being violated ... ... .PLEASE HELP!

Company response to consumer: Closed with explanation