vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
Hello XXXX XXXX  ; CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Checking, Saving and Business Checking [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ] opened at XXXX Bank XXXX XXXX, FL XXXX in XXXX. Accounts were closed due to fraudulent activity not performed by myself [ bad check and unauthorized transaction ]. There was no repayment of funds issued without consent nor was there an authorized account user other than myself. Also, a XXXX XXXX IRA Custodian Account for XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) was opened, which carried a position. Last corporation was XXXX XXXX. 

According to customer service and banking Representative at XXXX XXXX of XXXX, FL XXXX no such accounts existed ( XXXX ). Also, the IRA Custodian Account had funds distributed without my consent nor an explanation. Also during XXXX a Location in XXXX XXXX, FL XXXX informed me due to COVID no one was allowed in the branch and my account was closed, and there was no remaining balance. I found that to be false when I sold remaining shares [ 5 ] of XXXX XXXX and informed XXXX XXXX my position was not for sale. 

Funds were issued by check. An account for XXXX ( {$1200.00} opening balance ) was closed as well during XXXX however there was a joining account that was tampered with, no consent from myself nor an explanation other than being closed for fraudulent activity. No fraud transpired and I have been without an account and funds since other than XXXX XXXX XXXXXXXX XXXX which was closed maliciously as well without my consent ( XXXX ). 

Remaining balance in XXXX XXXX ( {$1800.00} ) was never refunded nor an explanation to why this occurred with both banks. Same issue occured with Bank of America, Account user with XXXX XXXX XXXX [ XX/XX/XXXX ] ( XXXX ) and XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; funds being distributed and tampered with, without consent or explanation other than computer glitch or clerical error.

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 2022-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Violation of FCRA Equifax lowered my score for no reason which is harming me and is stopping me from progressing in life Idemand to receive compensation. {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
I disputed late payments on my credit report that was placed by XXXX  XXXX auto, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX  XXXX auto

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Good morning. Why longs time I dont see my money refund to my bank account. Can you help me check please. And longs time I dont hear anything from your customer service about my CasXXXX number XXXX. 
My transfer money its not working that why I cancel it and I want my money refund back to my bank account please. 
I dont see anything about my money refund back to my bank account. What happens. Please give my money refund back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$140.00} Choice Recovery- {$380.00} disputed with experian, XXXX and XXXX. fraudulent information on my credit report. They are in violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Every single day 2 or 3 times started back in XXXX XXXX Was in Major car accident

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Spoke with XXXX XXXX from trans union who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of Transunion as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute XXXX with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than XXXX disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.

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 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX and XXXX debt collection agency repeatedly calls me asking for more in monthly payments. I have repeatedly told them that I can not afford more than I already agreed upon. 

They recently called my work number when they know my cell number. My voice mails are monitored and this is unacceptable. 

I have been dealing with XXXX and if I had more money, I would certainly pay more ; however, my income does not support any more than I did agree upon and signed the agreement. 

Once an agreement is made with a collection agency, they are dishonoring their own agreement and I definitely feel they are harassing me now, as this has been a monthly call. 

I no longer will accept any calls from this collection agency. Their practices of harassment is causing me undue XXXX XXXX and XXXX  while I am dealing with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: MT

Complaint narrative:
I recently refinanced an auto loan. Ford Motor Credit deposited the cashiers check on XX/XX/2022. Today is XX/XX/2022 XXXX they have not yet credited my account for the payment they received on XX/XX/2022. Ford Motor Credit is effectively accruing interest on a loan that has been paid off.

This pattern and practice effectively allows Ford Motor Credit to collected interest on loans after they have been paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Ditech reported paying {$230.00} to Insurance ( XXXX XXXX ) on XX/XX/20 and {$230.00} on XX/XX/20 which was not received by XXXX XXXX. We have no information to confirm that these checks were credited to the insured, loan, escrow, taxes or insurance. 

Shellpoint has shown this amount as a negative balance on escrow. There was no payment for insurance or taxes from escrow. The NO escrow option was chosen on the original loan acceptance. There was not indication of this error on the original loan information. The account shows late and is threatening foreclosure. We are not paying this escrow amount because we do not owe anything and should not have to pay this. 

We have spoken to the Insurance department, the escrow department and customer service departments separately. They filed a complaint on our behalf with Shellpoint. They do not respond by mail. They do not respond to our phone inquiries and often disconnect our phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. 
Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. 
Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
To whom it may concern, I authorized a zelle transaction through my mobile app with my bank, Rockland Trust. Turns out, it was a fraudulent merchant. I filled out the fraud papers for the bank, sent screen shots of several text message and call logs from the merchant and myself. Two weeks later and the bank will not refund my money. I understand I authorized the payment however, banks have protection for stuff like this with their customers and consumers. The transaction occurred on XXXX. I did not receive any correspondence from the bank, I had to call them for statuses. The amount of the claim is {$800.00}. I appreciate any help with this. I'm so disappointed in Rockland Trust as I have been a loyal customer for the past 25 years. I can reach out to any of my credit cards and state fraud happened and they refund the money in days with no questions asked. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
since XX/XX/2020 I have been trying to dispute false inquiries on my Trans Union. Trans Union refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been two calendar years fighting the same 15 false inquiries Even after multiple CFPB complaints

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2021. 
Amount is {$2400.00} I called the Debt collection company, so they asked for my information and I gave it to them so they said they don't have my information in their system that they know nothing about the debt in my record.. and she asked me to go and dispute through XXXX which I did but they reject the dispute. 
I don't receive any letter from them and no documents whatsoever from them or the company they are collecting debt for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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