vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX TODAYS DATE : XX/XX/XXXX PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$1700.00} XX/XX/XXXX XXXX Balance Owed : {$1800.00} XX/XX/XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I recently purchased a home at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/2021. On XX/XX/2021 I agreed to purchase a water softener system for my home from XXXX XXXX XXXX and the loan would be financed for XXXX through Aqua Finance. According to my contract, my payments were supposed to be deferred to 3 months from the date of the contract ( XX/XX/2021 ). However, I received a call from Aqua finance and they stated that my first payment was due XX/XX/2021 and that I had incurred a XXXX dollar late fee. I called them back ( XXXX ) this afternoon and Spoke with XXXX. I explained to XXXX that I would not be paying the XXXX dollar fee and he agreed to waive it as a " one time courtesy '' but refused to change my payment date to the agreed upon date according to the contract. I asked XXXX to speak with his manager. I was then connected with XXXX the manager who explained to me once again they can waive the late fee this one time as a courtesy but, the latest they could make my due date is the XXXX not the XXXX. I explained that is not what the contract says and he said we are two separate companies and his system will not allow him to change it to anything past the XXXX. I live on a budget and I have budgeted to make this payment on the XXXX of every month like it was agreed upon in the contract. I have attached the contract as well as the statement they sent me in the mail saying I owed them XXXX dollars by XX/XX/XXXX. XXXX also explained to me he can not change my due date until I pay my already " overdue '' XXXX balance and he still will not change the date to the XXXX but, just the XXXX. I personally feel like I was swindled by this company and do not recommend anyone do business with them. I have never missed a payment on anything on my credit and now even though the company says they will not report the missed payment. How can I trust them when they can not even honor a contract. I understand Aqua Finance and XXXX are different companies but, they work hand in hand together and the contract should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are debt collectors attempting to collect multiple debts from me on behalf of medical services, I have not received from them. My credit file was flagged two times on XX/XX/2021 for {$2200.00}, and for {$1000.00}. 
I am not a, party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as Law Offices XXXX. I did not receive any documentation from The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as LXXXX XXXX XXXX to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection I have no idea how The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are received my private medical information. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are violated my H.I.P.P.A. rights and is attempting to collect multiple debts that do not belong to me. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. 
Please be advised that The Law Offices of Mitchell D. Bluhm and Associates are not holders in due course and they do not have a permissible purpose to use my private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account got permanently banned on Paypal for no reason whatsoever that I am aware of. I sell crystals, necklaces and tarot on XXXX and use the name XXXX XXXX for privacy reasons. My real name is XXXX XXXX and my paypal email is XXXX. I have approximately XXXX dollars and XXXX on hold that they are going to hold for 180 days but I need it for bills and I do not want to have to submit a claim and get lawyers involved but I will if thats whats necessary to get what should be mine. I need that money and If someone had a dispute with me that caused my money to be on hold for this long, it is not fair to me as I do not know whats happening. I want to withdrawal my funds and never use Paypal again. This dispute must be settled or I will take legal action as others have said Paypal will take all their money for liquidation fees which is actually not legal as its under the law to only be a smaller increment of total money. I am not risking losing all my money and thus ; am not waiting the entire 180 days as that is half a year. I spoke to a Paypal rep that said they couldnt do anything for me. This is so ridiculous. For confirmation purposes the last 4 digits of my card info on the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
I received a phone call on XX/XX/2021 at XXXX XXXX from XXXX reporting to be " RFGI '' who addressed me by my first name and asked me to confirm my birthday. When asked to provide more information he would not give it to me. He then told me the year of my birthday and asked me to confirm the month and day. I declined. He then asked me to confirm my social security number. Thinking it was a fishing scam, I hung up the phone. He subsequently called my husband asking for me. My husband asked him to explain the nature of his business and he would not, simply stating he was with " RFGI '' again. He again asked for personal information which we declined to provide. We have not received any written noticed of debt and are not aware of any outstanding debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, My all AMEX credit cards were cancelled by Amex today ( XX/XX/2021 ), Amex is my favourite credit card company because I really like their service and the credit card benefits. I hope Amex can make another reconsideration of my case. 
I always pay my bills on time and have an excellent credit score, On XX/XX/2021, I got a financial review from Amex, I guess it was caused because of some XXXX purchases made by my Amex XXXX credit card, then I paid off all bills right away to keep the balance be XXXX ( I always made the payment on time ). Amex Financial Review says I need to provide my tax return to verify my income, then I filled out the 4506-C form ASAP, so Amex will get my tax return from IRS ASAP and Amex agents told me that it usually take one or two weeks. However, it takes more than 2 months and I still do not get any response from Amex. When I tried to reach out to Amex again, they told me they are not allowed to get my tax return from IRS due to some system errors or IRS delays, and then they ask me to request one from IRS and ship it to them. It is very sad to get this message, but I still request one from IRS right away and then I ship it to AMEX. 
On the morning of XX/XX/2021, the most disappointing thing is that Amex told me the tax return format is not what they want, and I will not have enough time to get a second try. I am very sad to get this result, but it is not fair to me. Usually, Amex gets the tax form from IRS directly, and I was trying to do my best that I can do. 
I really want my AMEX cards to be good to use because I do have two family trips next year, and we hope to have a great trip experience with Amex platinum card benefits ( plan to apply next year ), I also recommend Amex cards to my friends and family members all the time to tell them, Amex is the best credit card company, you can get whatever cards you want, and they have an. excellent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
GINNYS - I have paid this account over two years ago and asked the credit bureau XXXX to remove it from my credit file. And XXXX will not remove the account. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount Original loan amount Monthly payment Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AK

Complaint narrative:
We were sent a loan estimate at the start of the loan process and it listed our origination fee at 1 %. We are now almost at closing and are origination fee is now at 4 % and they want to charge us {$3000.00} to buy down the rate. The rate but down was never discussed and I never received any disclosure. They said it was because my loan has been in process for 78 days. Which I was not at fault for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collection Service Inc (GA)
State: NV

Complaint narrative:
THE COMPANY, PROFFESIONAL COLLECTIONS SERVICES, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PENNYMAC LOAN SERVICES Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit
State: CO

Complaint narrative:
The agent from " Lake City Services '' has called several times, with my name claiming I have a debt to " XXXX XXXX XXXX  XXXX XXXX. '' I asked for an address to send my " cease and desist letter '' and sent a letter to Lake City Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX requesting proof of debt in writing. 

The letter hasn't come back yet, but their phone calls keep coming, and the requests for money before they " contact my employer '' or " take legal action '' have become more strident ( in phone calls ). 

Unfortunately, these people seem to have a lot of personal information which concerns me. 

The phone calls are from ( XXXX ) XXXX according to my phone.

Company response to consumer: Closed with explanation