vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!

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 2018-01-12 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/XXXX, 2017 I received information from XXXX XXXX that i was eligible to receive a loan with low interest rate to better my credit score. I spoke to the bank and the intake person on what i would need to get a loan. Which never did. Now i have a hard credit check on my credit score on for two to seven years. 

Your assistance is needed as to how i can remove this from my credit score. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: FL

Complaint narrative:
I have repeatedly asked this company for validation of debt and all they send me is a bill with an address I have never lived at. They have not yet validated the debt and yet it still stays on my credit report. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX XXXX XXXX XXXX XXXX/ The Thomas Agency Inc CURRENT BALANCE {$310.00}

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 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
" Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I attempted to send money from my Coinbase BCH account to my Coinbase USD wallet account. The money disappeared from the BCH account and never showed up in the USD wallet account. There support refuses to reply to my e-mails sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted TransUnion in reference to a large number of inquiries on my credit report that I did not authorize. I spoke with a representative at TransUnion about this issue and I requested that they remove these inquiries, but their customer service rep would not help take care of the negative inquiries reporting to my credit. The following inquires were NOT authorized by me : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX 7. XXXX, XX/XX/XXXX 8. XXXX, XX/XX/XXXX 9. XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11. XXXX, XX/XX/XXXX 12. XXXX XXXX, 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 2018-01-12 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
After requesting validation { not verification } of the item reported and not receiving a response, I contacted XXXX XXXX XXXX XXXX in XXXX XXXX to start the process of credit repair for several erroneous items reporting negatively and incorrectly. One of the collectors is Resurgent Capital Services, and they are attempting to collect a balance owed due to fraud. They sent a letter in the mail DENYING me an investigation stating, they found my dispute to be " frivolous and irrelevant '' because I am using a credit repair service. This is against the FCRA and violates my rights of requesting debt validation and dispute investigation. This company has no license to collect any debts in the state of South Carolina and this debt is false. I have never had a XXXX XXXX account. 
I have attached the letter sent from Resurgent Capital Services to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: FL

Complaint narrative:
I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX/XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: NC

Complaint narrative:
Hi! 

My credit it tied to a person I have never met. Our names and socials are similar, but we live in two different stated : I live in NC and have never lived in Texas, and she liv es in Texas. 

I have reached out to Equifax to let them know of the error and sent my birth certificate, social, XXXX, and proof of address in. They changed the name, birthdate and address on the account to my information. The debt still belonged to the other person ( XXXX XXXX ). She reached out to Equifax, and they changed it back to her name and address, but not birthday and social. 

The account is now locked, and I have no access to credit. I was denied a refinance on my home because my debt to credit ratio was too high, but the information on my credit report belongs to XXXX XXXX, not to me. I paid {$500.00} to have the house appraised and got denied by my own bank. I ca n't go buy a car because my credit report is locked, but it is n't my credit report. 

Every time I call, I am told that everything is fixed, or I am transferred, and the call is disconnected. I have spent hours trying to resolve this issue and have yet to talk with someone that can help. I receive mail, almost weekly from Equifax saying that one thing has been changed, but usually its changing her birthday to mine or mine to hers or changing addresses from NC to Texas. 

The number at the top of my record is XXXX The confirmation # is XXXX This has been going on since XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX sold my account to XXXX XXXX with full knowledge that fraudulent charges had occurred. 
back in 2015 I notified XXXX XXXX XXXX of unauthorized charges that I did not recognize on my billing statement. my card was shut down for protection and a claim was opened for this and a new card was mailed out. 
I never received a new card, no communication that an investigation was conducted or the result of said findings. I did notice only 3 small charges were credited on the statement. I continued to question procedures and further dispute. I was ignored and was continually pursued for charges that I am not responsible for. I refused to pay as I am not legally liable. XXXX XXXX then insisted that I owe them and charged off the account and sold it to a collection agency who has ruined my credit. after filing a dispute with the credit bureaus both XXXX XXXX and XXXX verified the data. XXXX XXXX has not supplied any records to me but XXXX XXXX continues to call me regarding the balance when they no longer have the account. its too late to request new investigation. XXXX does not have all the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I called trying to get a loss mitigation option to short sale my property. I litigated through my attorney the foreclosure. I believe that the mortgage was not properly foreclosed on in accordance with the laws XXXX XXXX and XXXX. I personally feel that the investor lack standing to foreclose. They do not have a original mortgage note properly endorsed to them. 
The law firm that prosecuted my foreclosure did not send their motion for judgment of foreclosure to my attorney of record. This is the fact even though my attorney was on record as my representative. The judgement of foreclosure was granted with out opposition. 
I had some contact the XXXX XXXX XXXX XXXX on my behalf requesting a short sale to avoid the foreclosure. After being told to call back with proper authorization they were told that the investor does not do short sales. Moreover that after the sale the lender would give {$6700.00} for keys. Their would be no consideration of a deed in lieu or other loss mitigation option. 
I believe that they refuse to accept any other loss mitigation option because they are aware of the violations of my rights in the mortgage recovery proceeding and wish to clean it up by sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: OH

Complaint narrative:
XXXX XXXX, enrolled in XXXX XXXX for XXXX XXXX, moved around and attended other campuses ( XXXX, WA ) then back to XXXX, AZ. Graduated XXXX. Enrolled in the XXXX XXXX XXXX through XXXX XXXX, relocated to XXXX, OH where I completed my course in XXXX XXXX. Started the Masters program with the same school and same lender XXXX Great Lakes Borrowers ). School shut down in XXXX ending my schooling. Filed a " School closure and loan discharge ''. Great Lakes Borrowers sent me a letter stating that my loans are discharged and I no longer need to pay on them ( XXXX, XXXX XXXX ). Great Lakes Borrowers informed me that only a portion of my loans ( around {$3200.00} is discharged ) but not the whole thing. In the letter, it does not specify that {$3200.00} amount but " Great Lakes XXXX XXXX XXXX will cancel the remaining balance on this portion of the student loan ''. Which all of my loans are through XXXX XXXX and no other institution. Also, contacted another " agency '' about my loan, they informed me that as of current, all loans processed from XXXX XXXX to current are discharged and Great Lakes Borrowers is in violation of that action. 

I want this loan discharge enforced, removed from collection by Great Lakes Borrowers and my credit reports to reflect that removal of debt. I have tried on many occasions to deal with Great Lakes Borrowers which denied this letter was on file with them though I have faxed and emailed it many times. 

Great Lakes ID : 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 2018-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

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 2018-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letter after letter to this company starting in XXXX XXXX when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

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 2018-01-12 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: First Southwestern Financial Services, LLC
State: IL

Complaint narrative:
they repossessed my car after one late payment. they switched companies without my knowledge. it was XXXX XXXX when i got my loan.it is currently first southwestern financial. i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about XXXX witch is incorrect it was only around XXXX they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.

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 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX I contacted this IQ Data to resolved this balance. At the time I informed the representative I only owed 1 month rent XXXX. He informed me there were damage to the apartment and when I advised him I have pictures ( which I do ) when I left the apartment with no damage as well as my security deposit was not returned me. He informed me if I agree to settling the account at XXXX he will remove the debt from my credit report. 

I disputed the amount in XXXX please see attached. I have also reached out to the apartment in which this debt is owed and I was also informed the total on this account should for 1 {$450.00} IQ Data has continued to increase this debt. They reported in XXXX I owed {$3800.00} as of XXXX XXXX they are reporting I owe {$4300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation