vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 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: ERC
State: TX

Complaint narrative:
I sent a Debt Validation letter to Enhanced Recovery Co in regards to an unverified account in the amount of {$190.00} that appeared on my Credit Report on XX/XX/19 and they responded with a bill and that is it! On this bill also it shows an address in Louisiana and I have never even lived in Louisiana at all there is no way that this is my account. Plus a bill is not validation that I owe this debt it is just a bill for an account that was in my name and I have absolutely no knowledge of this account at all. I reached out to them after the bill was sent to me letting them know that this was not my account and did not hear anything else back from them which is ridiculous! I have to file this complaint because they have been ignoring me since they sent the bill to me as validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: The CMI Group, Inc.
State: NY

Complaint narrative:
I have paid in full the account in Collection with Credit Management regarding XXXX XXXX. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 
This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with XXXX XXXX XXXX XXXX with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with XXXX XXXX XXXX XXXX is # XXXX.Balance is $ XXXX.Why ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.

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 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Glass Mountain Capital, LLC
State: TX

Complaint narrative:
his number called & left a message that said : XXXX XXXX calling from XXXX XXXX XXXX in regards to referernce ID XXXX. I would need to hear a call back from you at XXXX. I'll be in the office here today till XXXX. Then I got a call from the same number 3 minutes later saying : XXXX XXXX from XXXX XXXX XXXX. I think this is bogus. I am not going to return the call. If they call again, I am going to try & respond through the XXXX Messaging Service I used to make them leave a message. I am going to request something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax XXXX and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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, and XXXX XXXX  Plus there are about 100 soft inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been operating under the assumption that I have been satisfying the requirements for the federal public service student loan forgiveness program. Several years ago I reached out to Navient to understand the eligibility of my loans to the program. They said I was eligble but had to wait until I made 10 full years of payments. Upon completion of my 10 years of service I submitted the paperwork only to find out that the way my loan was structured it rendered my loan ineligible for loan forgiveness. I understand now that Navient may have been intentionally misinforming or under informing customers about actions they needed to be taking in order to qualify for this. So rather than having the full balance of my loan forgiven I still have over $ XXXX in loans that need to be repaid. I feel Navient has been operating in their own best interest and not those of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have had a few debts from XXXX XXXX sent to this particular debt collector called California Credit Bureau. I have just paid for another one today. 

First to note, is that XXXX makes their billing system very confusing, and it is very difficult to understand their billing and insurance statements. For example, we pay all co-pays ( typically {$30.00} - {$100.00} ) for my family of 5 at each visit. Often, XXXX will bill the co-again on the follow up bill. We dont pay it because we KNOW we paid it at the office, etc. 

The issue is that this collection agency uses virtually NO communication, which makes it impossible to resolve prior to going to collections. I think they are actually doing this on purpose so they can make the added fees. They claim they leave phone messages - of which I have never received one. I verified my phone number and address they have on file. I do get some phone messages that sound like robo-calls occasionally, but the first 5 - 10 seconds are cut off and you hear the dialog only say ... .call 800 ... but not identify who it is or what. 

On this last collection of XX/XX/XXXX for {$180.00} ( which I just paid ) I asked when was the last written communication for this and verified my address. They said XX/XX/XXXX for a debt incurred in mid XXXX, and recorded a collection on my credit in XX/XX/XXXX. They said they made no communication to me from XXXX to XXXX of XXXX, and only sent 1 letter back in XXXX. This seems predatory to NOT attempt to communicate and them trump up the charges and record a collection on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was 19 days past due for my Fifth Third Bank mortgage it was due XX/XX/XXXX and I paid it online on XX/XX/XXXX. Fifth third bank had the audacity to send someone to my home on Sunday, XX/XX/XXXX and I was not home my children were and they handed my XXXX year old daughter an envelope and questioned her about my whereabouts my daughter said she was very rude with her. Then I received a phone call today, XX/XX/XXXX and they refused to tell me what company they were calling from. I found out because I hung up and called the number back. # 1 they should not have came to my home for a payment that isn't even 30 days late and they harrass me with phone calls. Something needs to be done with this bank. They dont need to come to anyone 's home for a 19 day late payment. Please look into this this has to be breaking some type of law. I have never heard of a company come to your home and harrass you ... they basically harassed my children. I called them today to complain and the representative said she knew nothing about a lady coming to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NH

Complaint narrative:
Recently refinanced my mortgage. First payment was due on XXXX of 2019 I was paying weekly but then was informed I could not do that so they had to re apply my funds. I was told this was taken care of numerous times and on numerous phone calls and as recent as XXXX when I got another letter stating I was past due. Ive called 3 more times since then and emailed with no response and was even put on hold for 1/2 hour then disconnected. .my payments were as follows XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$1800.00} XXXX {$370.00} XXXX {$1700.00} Total of payments = {$6900.00} Monthly mortgage is {$1700.00} So for XXXX through XXXX I owe {$6900.00}. 
I have over paid by XXXX dollars and they keep telling me they are reversing the funds to correct it but I just got a notification that they reported it to my credit score. As of today my score dropped 48 points because of this. I need this fixed ASAP or I will be forced to take legal action. 
The only payment not shown is the XX/XX/XXXX which is not on account yet.

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 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
I sent Amsher a dispute email and asked them to stop.calling they made several calls after and are in violation of the fdcpa. I do not owe XXXX any funds they agreed to waive my balance if I left the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: NY

Complaint narrative:
I found a collection account on my credit report which does not belong to me I am a victim of identity theft, I reached out to the original creditor and to the collection agency and to all 3 credit bureaus and provided them with all the information they need and requested to remove the collection from my report at the same time the original creditor and the collection agency sent a request letter to all 3 credit bureaus to remove this collection account from my report XXXX and XXXX XXXX removed it right away *BUT EQUIFAX* did not remove it and its a few months already and this complain is for Equifax I'm on the phone for hold for hours and hours and I can not reach anybody, there is nobody to talk too,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello, On XX/XX/2019, I went to the XXXX XXXX office in XXXX, MA. The reason I was going there was to figure out the plan changes on my line. Before figuring out what was happening, the person who helped me put me on a new plan and ran a hard inquiry on my credit report. I was not informed about an inquiry and I explicitly told the person that I have no consents for any credit checks. The person assured me that since I am with XXXX, there will be no credit checks. In the end, I received an email from XXXX that XXXX put a hard inquiry to my credit report via Equifax. I disputed to this inquiry through Equifax since I did not authorize this procedure. After these I asked the person to undo what he has done but he said it is too late. XXXX sent me a receipt via email for my plan change. I have not seen any receipt in the store so my sign is missing in the receipt. I have not authorized a single operation in that store. Yet, they put me in a plan, they ran credit checks on me. On the other hand, I called XXXX XXXX to file complaint about the poor customer service I received. I requested from XXXX that if they could also dispute or undo this unauthorized credit check. I was told that it is impossible by XXXX. After this, I switched from XXXX to XXXX by XXXX same day because of this issue. I'd like XXXX to dispute any kind of hard inquiries to any credit companies on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This issue is against COINBASE. I have had an account with them since XX/XX/2015. Recently, about 3 months ago they decided to lock my account with over 8 btcs ( XXXX USD value ) and give me no reasons. I have re-submitted all my documents, proof of address, ID etc. and they have gone silent and have not answered my in over 1 month. I do not know what to do at this point. They have most of my funds and I desperately need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX XXXX Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX   dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX XXXX XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with LVNV Funding LLC collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I saw some inquiries as well I don't know about : 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.

Company response to consumer: Closed with explanation