vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
For about 6 months now, I am receiving almost daily calls from " Amsher ''. I was never able to answer the phone, so they almost always leave a robo recorded voice mail on my cell phone. They even called me on XXXX Sunday, XXXX XXXX, 2016 at XXXX XXXX. They claim that they are a debt collector. I have an excellent credit rating, have always paid my bills on time. I have never had any debt that would need to be collected, and I have never dealt with any debt collector. My cell phone voice mail system always says that their call came from XXXX. So, I am blocking this number on my XXXX, and via the XXXX app. However, the calls come through anyway, which tells me that they are apparently calling from another, undisclosed phone number. This looks very much like a debt scam to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
The lender cashed the check I wrote, for {$2000.00} early. I explained that the funds would n't be available until XX/XX/XXXX, I dated the check for XX/XX/2015, and it clearly states on my bank statement that the check was deposited on XX/XX/XXXX, which lead to various overdraft fees, along with my account being overdrawn. I spoke to XXXX, and made very clear that the funds would NOT be in my account until XX/XX/XXXX, like the check was dated. They also called me, to verify that the check was mine, and that the funds would be there on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp.
State: FL

Complaint narrative:
SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 my husband was treated by XXXX XXXX, this provider is a PPO provider with our insurance and they paid everything except for {$120.00} which I paid by check to XXXX XXXX and clearly stated the payment was for services rendered to XXXX on XXXX/XXXX/15. My check cleared XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received notice from XXXX that we owed {$61.00} & {$26.00} for these same services and when I tried numerous times to talk to XXXX XXXX with XXXX to explain this had been paid and send a copy of the cleared check, he advised they sometimes take the money and place it in different accounts but could not tell me why or where the money went. He then referred the matter to State Collection and they continue to write me repeatedly for the same services I have already paid to the XXXX and neither the collection agent or XXXX will provide a complete itemized bill showing where the funds went and what if any other charges we owe. I have spent hours on this and have incurred severe emotion upset because of this. I feel they have fraudulently taken my money and continue to ask me to pay the same charges. XXXX also stated they may have taken some of the XXXX money and put it on my charges, however, XXXX and I both have deductibles and I met my out of pocket this year so I have no way of knowing what was paid or where my money went. All I know is that I paid the full amount to the ENT that they are repeatedly requesting and they refuse to resubmit it for review to my insurance carrier which is required by their PPO contract with my insurance company if we owe additional money that the insurance company has not reviewed. At this point I have invested hours in emails, letters, research and discovery and have advised them I am charging them {$45.00} an hour for all the time I spend on this as well as mail, copying, research etc. Today just in my time alone they owe me over {$630.00}. Please help, I cant continue this. I have XXXX XXXX XXXX and we pay our bills I can not have this continue. 
Thank you so much XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: UT

Complaint narrative:
Since our Chapter XXXX Bankruptcy discharge in XXXX of XXXX, communication with Seterus has become very difficult and questionable. Today we talked with a certified HUD counselor who informed us of this option of filing a complaint. We also discovered today as we reviewed our case, that the loan modification finalized in XXXX of XXXX was not recorded with the XXXX Office until XXXX of XXXX. Other issues : we have n't received monthly mortgage statements ; sent into foreclosure without a notice of default being filed. Differences in amounts owed versus recorded amounts paid. Non receipt of payments following bankruptcy ; we sent payments in to reinstate the loan, only to find out later that payments needed to be certified funds ( re-instatement letters indentifying this requirement received after funds were sent in ) ; Seterus unwilling to certify funds received by calling banks ; receiving different information with each phone call, sometimes within hours of each other ; an overall lack of willingness to assist in resolving our circumstance by hiding behind, unreasonable company policies and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Loan Number XXXX was Paid in Full on XXXX/XXXX/2015Seterus has not returned Reconveyance / Escrow for $ XXXX have faxed them copies of their own records in order to eliminate any question ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The dispute could not be filed because I could not verify mortgage, auto loan, and store credit cards I never applied for and know nothing about. The dispute is an Equifax report showing an open XXXX wireless account in XXXX XXXX years ago when I 've lived in XXXX all my life and at the current address for XXXX years. If contacted I 'm sure I can prove my place of residence by paystubs, unemplyment records and public assistance records in XXXX. This is plainly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed several times that Equifax has business inquires listed on my personal credit file. I use my XXXX number for all business inquires why are they on my personal credit file. There is also XXXX small medical bills that should n't even be listed. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
" I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank You. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale ( attached ). 

RespectfullyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Number : XXXX Opened : XXXX : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been asking for an instrument bearing my signature from Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I looked at my credit report the other day and noticed that there was a new account on it. It only showed up under equifax and has not shown up on trans union. The new account does not belong to me. It is a XXXX XXXX XXXX credit card that was opened in 2004 and has a balance of XXXX, with a previous balance of XXXX. I have never banked with XXXX XXXX XXXX, do not have a credit card with them, and do not have an account that dates back to 2004. This card does not belong to me, but is showing up on my credit report. I am worried that this was cause problems and would love for this issue to get fixed asap. I appreciate your understanding and help with this matter. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The state of Missouri by mistake filed a tax lien against me in XXXX Co Mo. I contacted the state and they sent a letter of expungement to XXXX co who took it off their records. I have contacted trans union at least 6 times and filed disputes. They just drop them for no reason and leave the info on credit report which makes it impossible to get a real estate loan. I '' ve given them all the infor and sent them a copy of the letter of expungemnt but they just wo n't get my credit report fixed

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 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC
State: TX

Complaint narrative:
The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX Transunion removed all credit inquiries from my credit report and between XXXX XXXX and XXXX XXXX, 2016 reinserted them. I was not notified in writing by Transunion about the reinsertion. This has happened on several occasions when credit inquires are removed and reinserted without notification. I am asking for all credit inquiries to be deleted accordingly.

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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

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 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Case Numbers : XXXX, XXXX, XXXX I went to a car dealer and was going to be a co-signer for my daughter, they told me they were running my credit through 1 bank, later on during the week I see on my credit report 7 inquiries and they ran it twice for the same company without my permission. I want those inquiries removed it made my credit score go down tremendously. Please have these inquiries remove. 

Thank you 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 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion Is the only credit reporting agency reporting an old student loan debt reference number XXXX. It is being reported as a tax lien satisfied with XXXX dates on the account. XXXX date says XX/XX/XXXX, the other says XX/XX/XXXX. This student loan was first reported deliquent in XX/XX/XXXX, which means it was eight years ago! By law this should be removed. I tried mailing a request to remove based on statue of limitatiions for reporting. And the response from TransUnion was simply, that they checked and account was verified as being mine?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, Item reported below is not mine. I was never a patient of XXXX and never paid a XXXX. Reached out to Collection Agency listed and they have no record. Not my account. 

1. XXXX, - XXXX Also, I have never provided the name " XXXX ''. That is not my name. Also, I have never provided the address of XXXX Arizona to any creditor as I have never lived at that address. Please update and remove.

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 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the XXXX to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. I request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and 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