vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC
State: AZ

Complaint narrative:
On XX/XX/2020 SMITH, COHEN & ROSENBERG ( XXXX XXXX XXXX AZ ) reported on my credit that I owe a debt of {$3000.00} and placed it in collections. This is not my debt, I do not owe any debt, I have not used their services. This does not belong to me.I have disputed this through XXXX  4 times and the results are XXXX  investigated your dispute but did not change your information Also spoke with someone from Smith , Cohen & Rosenberg 2 months ago she said she is going to remove the account and never did.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
On XX/XX/2020 I sent Phoenix Financial Services LLC a dispute/challenge via certified mail USPS. This letter stated that I would need proof or verification that is account is mine because I do not believe the account is mine. I requested documentation which I never received. On XX/XX/XXXX I sent another letter to Phoenix Financial Services LLC via certified mail USPS this letter was a request to remove the negative account from my consumer credit reports because Phoenix Financial Services LLC is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Phoenix Financial Services LLC has still failed to remove the negative information from my credit report. This is clearly willful noncompliance. I have maintained a careful record of all my communication with Phoenix Financial Services LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
DISPUTE WITH Action Collection Agency of Boston ( ACA ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, MA XXXX ( XXXX ) XXXX - Received letter from ACA dated XX/XX/XXXX that " XXXX XXXXXXXX XXXX XXXX  '' referred a delinquent account to them. Account # XXXX. Reference # XXXX. Amount {$560.00}. Service Date : XX/XX/XXXX - Called XXXX XXXX which confirmed no record of her as a patient, no amount due from her, no record of the above account or reference number. 

- On XX/XX/XXXX, called ACA with this information. ACA instructed us to put our response in writing. 

- In letter dated XX/XX/XXXX, wrote what the hospital told us and then : " absent any supporting information, we have no alternative but to assume that the invoice from you is FRAUDULENT. '' We requested proof of claim. 

- In letter dated XX/XX/XXXX, ACA sent us " a copy of the itemized statement from our Client. Your personal information has been verified above. Please call to provide your insurance information. '' The invoice was for patient XXXX XXXX 

- Called XXXX XXXX 's which said that XXXXXXXX XXXX ( not XXXX ) is assigned when a patient without ID is treated ; yes, " XXXXXXXX XXXX '' was treated on XX/XX/XXXX for {$560.00}. 

- In letter dated XX/XX/XXXX, ACA again sought payment for {$560.00} - We need your help to fight this fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.

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 2020-09-28 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: CO

Complaint narrative:
My VA home mortgage with XXXX was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, XXXX had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that XXXX reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my XXXX account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as XXXX pt in the next week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My VA home mortgage with XXXX was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, XXXX had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that XXXX reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my XXXX account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as XXXX pt in the next week or so.

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 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased this vehicle new in XXXX of 2013. The vehicle was supposed to be around {$31000.00} plus negative equity from my trade-in. I have paid Chrysler Capital over {$58000.00} towards this vehicle. My payments are just under {$800.00} per month. This is something that should have never been given to me because of my debt to income ratio. I have struggled to pay for this vehicle the entire time that I have owned it, yet I have still managed to pay over {$58000.00} during the last 8 years. Nearly {$35000.00} has gone towards the interest. I have never been able to refinance this loan because of Chrysler Capital 's high-interest rate of 18 % keeping me from getting any of the principal paid down on the car. I am sitting here with a pay-off balance over {$11000.00} still, with a car that is only worth a fraction of that. I have tried multiple times to get out of this loan. I have begged Chrysler capital to help me out, but they have only ever done a loan modification or a payment deferral, which caused me to pay much more interest than I should have. Chrysler Capital has too many unfair lending practices for sub-prime borrowers and they need to help people the right way and be an honest company. They have received enough of my money already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has removed an account from my Credit Report It was a XXXX Account. Experian Removed the account Early XXXX and on XXXX XXXX Experian placed the account back on my credit file reported to me directly on the phone that XXXX  Requested the item be placed back on my report exactly that day. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior and if XXXX requested the update XX/XX/XXXX why did Experian plus the item back on my report the same day XXXX requested. Experian is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. This entire system is not fair to the consumer if I as a consumer dispute an account I have to wait 30 days and 45s day now due to the pandemic but the credit furnisher can request an account be reinserted and that task was completed the same day without providing me any notice at all. They also again including the Utilization in my open revolving accounts while this account is closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them remove the Permanently DELETE THIS unauthorized ACCOUNT

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 2020-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i sent letters on XX/XX/2020, to Equifax and XXXX  disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Today ( XXXX ) I tried to open a savings account a a local credit union who told me they'd need to check my credit. No problem, it's over XXXX XXXX. 

They say they use Equifax. I have a freeze on my accounts so they told me I'd have to lift the freeze with Equifax. For over an hour I have been yanked around trying to lift this freeze with Equifax. Their website said it didn't recognize the password. When I hit the line to rest my password it replied that it didn't recognize my information ( already triple checked for accuracy ). I called. Got the standard forever time-wasting and utterly useless recorded ads and messages wasting my life further.

After struggling to talk to a live human, I finally got one. After 30 minutes of answering irrelevant questions like what department store credit cards do I have ( none ), etc., dozens of questions again and again, many I'd already answered. Then I'm told they can't confirm that I have an Equifax account ( though they've already admitted they do indeed have a freeze issued by me ) and I must send them my driver 's license and SSN card and 'sign documents ' or they refuse to lift the freeze. I tell them I have the ten-digit PIN that Equifax itself issued me, but then they say, oh no, we don't recognize PINs anymore.

So ... here I am, a citizen who has " excellent '' ( look it up ) credit being criminally barricaded from obtaining a savings account to due to Equifax malfeasance. I asked to speak to a supervisor who said his name is 'Dane XXXX but refused to give his last name. He merely repeated the same barricade procedure. 

I submit that this is all just a designed buffer process to avoid the expense and effort to establishing and lifting freezes. It is criminally crooked. It is intended to never end and to frustrate consumers until they shut up and go away, saving Equifax money. I have worked hard to establish " excellent '' credit but owing to Equifax 's intransigent, stubborn incompetence I am permanently blocked by them from opening a savings account. It's criminal. It's crooked. Consumers don't deserve to be so abused by credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. * On Equifax : *XXXX   XXXX/XXXX  XXXX XXXX, * Credit Bureau Service ( XXXX ) XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a  corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following account listed on my Equifax credit report has been deleted numerous times and keep reappearing on my credit report : MN Child Support, XX/XX/2003, {$4100.00}, the account is a fraudulent account and is not my account. Equifax has deleted this account from my credit report countless times. The account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on black market sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This company is placing false and erroneous information on my credit report. Previous to them another company attempted the same thing. There seems to be a pattern to this and they are trying to get money fraudulently.

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 2020-09-28 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: CA

Complaint narrative:
I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.

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 2020-09-28 00:00:00
Product: Debt collection — Other debt
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: U.S. BANCORP
State: WA

Complaint narrative:
I received a phone call stating that I was being taken to court for a bank account that was Used intentionally and purposefully to defraud the government and the old {$1200.00} to US Bank account refused to give me any written information regarding this fraud told me they were going to send me to gaol the police will be showing up at my house they said that they send me paperwork in XXXX to an address that I haven't lived at in years And their company was XXXX XXXX  XXXX XXXX out of California the phone number 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
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX. 

In XXXX I had an account wth XXXX XXXX  ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full. 

On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me. 

After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: FL

Complaint narrative:
I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.

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