vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Aargon Agency has re-barred a debt because I am XXXX and trying to get a mortgage. They are stating on my credit report that the account was opened on XX/XX/2020. The account had gone through the cycle of 7 years and they rehashed it to stay in business and employed.The amount is XXXX. They have been written up as a bad debt collection agency that harasses people.

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 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
On XX/XX/ 2021, I received a notification that First Financial Asset had placed a derogatory account on my credit report. The reported amount was {$110.00}.

This is not my account. If this is indeed my account, First Financial Asset committed the following FDCPA violations : 1. 15 U.S.C. 1692g- Validation of Debt. I never received written or verbal communication about this debt. I was not provided with ( XXXX ) The amount of the debt. ( 2 ) The name of the creditor to whom the debt is owed. ( 3 ) Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid. ( 4 ) Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment. I never received a letter or phone call from this company and I can prove it.

2. 15 U.S.C. 1692d- A debt collector in collecting a debt may not harass, suppress, or abuse any person. The debt collector unlawfully reported the account to my credit report. This is causing me undue stress and agony. My credit score is needed to continue with my employment. 

I am willing to communicate with the debt collector. I can be reached via phone or mail. If they can provide me with proof of the debt and it is actually mine, I will immediately make the payment of {$110.00} in full. 

I fully expect First Financial Asset to IMMEDIATELY remove the negative credit reporting. They have already done significant damage to my credit report due to their illegal and fraudulent actions. Third-party consumer debt collectors are supposed to strictly adhere to the FDCPA and as outlined above, they failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I transferred XXXX stellar lumens to my Coinbase wallet on XX/XX/XXXX. The price since then has doubled but the real issue is that I was transferring it to buy XXXX XXXX which has gone up significantly. All in all this ended up costing me a lot of money. Anyway, the transaction was completed but the funds were never received. I have opened up 10 support tickets and they have not helped yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NM

Complaint narrative:
please remove all inaccurate information and inquires FCRA VIOLATIONS Remove wrong names, employers, address, phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLYING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX GAMERCO, NM XXXX SINGLE FAMILY XXXX XXXX XXXX GAMERCO XXXX NM XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX GRANITE XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX GAMERCO, NM XXXX SINGLE FAMILY ***** FCRA VIOLATION ***** SEE ATTACHMENTS CREDENCE RESOURCE MANAGE Account Dispute Not mine or No knowledge of account RemoveCREDIT ACCEPTANCE CORPORATION Account Dispute Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX CU Account Dispute Payment never late *** REMOVE THE FOLLOWING INQUIRES JPMCB AUTO Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online DRIVEIT AUTO GROUP Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


XXXX XXXX AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



ALLY FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



NOWCOM/EXPERT AUTO SALES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX CREDIT/EXPERT AUTO SALES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/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 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Received notice of a fraud alert on a card that I do not own but they had my name and last four digits of this fraudulent card # XXXX. Supposedly its a Citi XXXX XXXX Card!?! 
An account I never opened and I'm sure they just want me to call so they can scam me. 
The number they gave is XXXX, I couldn't get a reverse lookup confirmation that it has anything to do with Citi or not. 
I got a text message from them reading that someone tried to use this card that isnt mine, at XXXX for {$88.00} on XX/XX//2021. 
Any help would be great.

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 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: NV

Complaint narrative:
I am having them contacted by XXXX XXXX XXXX because it has been over seven years and the debt should be closed and rehashed to keep up with me and stalk me. The dollar amount is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XXXX/XXXX/2021 -- and a demand to comply letter on XXXX/2021- the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer

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 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
These accounts should be closed and removed from my credit report. It is harassment and XXXX. People just like hating me and my family and XXXX us, they all enjoy it. Having us homeless so they are not. It has been all my life in this country.

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 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Received a letter from Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX attempting to collect {$57.00} for XXXX XXXX. 

We are not customers of XXXX XXXX. 

File Number XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XX/XX/2021 -- and a demand to comply letter on XXXX the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC
State: TX

Complaint narrative:
I do not believe my payments are being applied appropriately. We consistently send two payments each month, one for 60 % ( {$780.00} ) of the amount due and one for 40 % ( {$520.00} ) of the amount due. The current balance does not line up with the amortization table, and there are several payments and payment reversals for amounts that don't match our payments ( eg. {$1700.00} ). The servicer says this is because payments are going into a holding account since they are partial, which makes sense for the payments that are less than the full amount. However, I can't see how this would cause them to add payments to the account that are more than the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX claims I owe them {$5100.00} or my account was charged off {$5100.00} They have refused to respond and acknowledge my formal notice sent on XXXX disputing the claim. ( tracking # XXXX ). In that letter I was requesting validation of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
NATIONAL CREDIT SYSTEMS Failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company, for defamation, negligent enablement of identity fraud, violation of the Fair Credit Collection Practices Act ( including but not limited to section 807-8, and violation of Fair Credit Reporting Act ( including but not limited to Section 623-b ). That letter was an attempt to correct their records. 

Any negative mark found on my credit reports from NATIONAL CREDIT SYSTEMS or and company that they represent, for a debt I DO NOT owe is a violation of FCRA & FDCPA, therefore since they can NOT validate the debt, NATIONAL CREDIT SYSTEMS must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have filed a complaint with XXXX for this account with Portfolio Recovery Associates ( XXXX XXXX ) as Portfolio Recovery is only reporting the date that they bought the file. They are reporting that this account was opened in XX/XX/XXXX. They are not reporting or even showing the date that the account was charged off during the statement period of XX/XX/XXXX to XX/XX/XXXX. XXXX DOES NOT have any place where the original delinquent date can be displayed on my report. It makes it look like the account went bad on XXXX XX/XX/XXXX, not 2 years earlier. Each and EVERY time I dispute it they always say the information is correct. According to what I read in www.ftc.gov/os/statutes/fcradoc.pdf, the date the account went delinquent must be reported within 90 days of submitting the account to the credit reporting company. How can XXXX NOT show the delinquency date? 

AND XXXX AND XXXX IS SHOWING THE SAME DATE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to EQUIFAX on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and I requested that it be removed by law. I still havent gotten a response from XXXX and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I do not owe Transworld SYS IncXXXX XXXX the account was closed and they reopened as a from of harassment it is XXXX and elder abuse. I have disputed all of these accounts with the three credit bureaus and they retailiate and reopened the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly disputed this account for errors. Every time it comes back as date updated. It states last payment ma de XX/XX/2019. It also reads 30 days late on XX/XX/2019, As well as late on XX/XX/2019. This is in violation and needs to be removed 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 2021-05-15 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: MD

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have sent several letters for debt validation. I requested hard signatures, open/close dates as well as payment history. I received none of the above documents. 
It is well within my rights to ask for these documents per the FDCPA and the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
The accounts were closed and they reopened them to harass me and stalk me. To stop me from getting a mortgage. The dollar amounts are XXXX and XXXX. I have disputed all of these creditors through all three credit bureaus. I am trying to pay XXXX XXXX XXXX to do the very same think I have done because they have refused all my requests to close out my accounts and do not open any more accounts using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Due to a program I have been involved with, XXXX XXXX, I have closed my credit card accounts in an effort to avoid incurring unsecured debt. In XX/XX/XXXX I paid down my balance to XXXX on my American Express account # XXXX XXXX XXXX. In XX/XX/XXXX I called an American Express representative to request closure of my account and she confirmed to me that my balance due was indeed XXXX. In XX/XX/XXXX American Express sent me a statement with an entry they had made in error regarding a " transaction reversal '' dating from early XXXX. I've written to American Express numerous times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting a correction and confirmation that my account balance is XXXX as I was advised when I closed the account in XX/XX/XXXX. Their only response is sending me multiple letters stating that they will be sending me " copies of statements that I requested ''. At no time did I request any copies of statements. This feels like harassment at this point and I've requested once again in a XX/XX/XXXX letter to confirm that I have a XXXX balance and they will not report any negative information to credit bureaus. I had this account with American Express for nearly 20 years and I have a stellar payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion still have not updated by credit card history it is showing that I don't have credit card history, as a result my credit score is low ... ... this is the third time I have reach out to this Credit Bureau and they still have NOT correct the issue. 

Sidenote : ( 1 ) my scores with the other 2 credit bureaus are excellent ( 740-750 range ) ( 2 ) Transunion score is 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