vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I took a look at my credit report and I have fraudulent and inaccurate accounts reporting on my credit report.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
There is something on my credit for Amica. I dont know who that is. I didnt authorize them to put anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX   XXXX {$3700.00} XXXX   XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} COLLECTIONS XXXX {$420.00} COLLECTIONS XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I was contacted by Phoenix Financial about a supposed debt. I have all my debts paid in full the moment I receive a bill in the mail. The caller began by going through his speech on HIPAA laws and when I tried to tell him I understood them, he became belligerent with me. 
He told me he was going to hang up. I asked if it was OK that I record the conversation as his company was, he said it was OK, but he was not waiting for me to set it up. At this point I asked why he was being belligerent with me, and he hung up. I still don't know what it is that Phoenix Financial thinks I owe them ... .. 

The caller was rude, belligerent, and condescending toward me. The actions of this individual are why debt collectors are thought of so badly. I would have happily talked to the caller and explained I have no debt to go to collections. I was not given the chance. Now, this mistake will probably ruin my credit I worked so hard to get right, because someone brought a bad attitude to work. I really hope all Phoenix Financial employees are not this way. 

Thanks for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TN

Complaint narrative:
I took a look at my credit report and I have fraudulent and inaccurate accounts reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TN

Complaint narrative:
I took a look at my credit report and I have fraudulent and inaccurate accounts reporting on my credit report.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I made my XX/XX/XXXX payment to XXXX in XXXX and then receive a servicing transfer letter dated XX/XX/20 stating that XXXX will no longer be accepting my payments and to make payments to Ally. 
My concern is two fold, my XXXX payment was made prior to XXXX and XXXX, I understand the servicing transfer letter is to be issued 60 days before transferring to new lender, not 10 days after payment is due. They say I'm late and I actually pay early. 
Is Ally exempt from this law? 
What can be done to prevent this to others going forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I deposited {$1300.00} in cash at the Bank of America drive through ATM in XXXX. 

The balance did not reflect in my account so I filed a claim. 

The claim was rejected and because I did not get a receipt there is no way for me to dispute their conclusion. 

The balance adjustment of {$1300.00} will be - {$1300.00} on XX/XX/XXXX. 

If I had gotten a receipt I would not be in this mess and would not be at risk of losing {$1300.00}.

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 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received court forms in regards to a credit card debt from XXXX. The court forms were signed off by the XXXX XXXX Sheriff 's Office, Sheriff 's Civil Bureau. My social security number was hand written in on the forms next to the wrong address. I first spoke with a representative from Midland Funding LLC regarding this whole matter that I was unaware of and also the fact that my social security number was written in on the forms and by law they should not have written any of my personal information on anything in any form. The representative stated they could do that in a court form. I responded by stating they could not do such and it is not normal practice to write a social security number on any form especially court forms. I indicated that I am out of work due to the virus and that the forms I received state a payment plan could be worked out even though this is a 12 year old debt and past the seven year rule. The representative then stated that the sheriff 's department was the one that wrote my social security number on the forms. She also stated they could take all of the amount ( XXXX ) and that no plan would be worked out. There are so many issues with the handling of this 12 year old matter. We are in a crisis as a nation and a company such as Midland is able to do whatever they want and also be irresponsible and give out my social security number just because they don't care other than receiving money that they shouldn't even receive. They found my correct employer yet they couldn't find my correct address. My address is linked to my employer. These companies seem to get away with what they want and no one puts a stop to them. The judgment was entered in the court on XX/XX/XXXX. I was unaware of anything pertaining to this matter especially since they were not mailing any information to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: VA

Complaint narrative:
On Tuesday the XXXX of XX/XX/2020 starting at XXXX eastern standard time I have received 6 calls from conns to collect a payment that is due. I feel extremely harassed and I am appalled that during a time of crisis in the country and economy that this would be considered acceptable. I am considering legal action through and attorney because I feel harassed but am willing to see the resolution from the company before I make that determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
XX/XX/2019 XXXX  XXXX completed Paid copay amounts of over $ 2500-including a cash payment of {$1200.00} in order to get the operation. 
Insurance claims were submitted and paid. A year and a half later the hospital sends another bill. Insurance-both in several calls made and in the insurance claim that we are not obligated to pay that bill as the hospital is in network. The hospital can't explain why we owe it despite the insurance claims-and forwards it to collections. We send proof to outsource receivables that our responsibility is {$0.00} of the {$720.00} bill and they refuse to delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
around XX/XX/XXXX I contact customer service to get my pay off amount for my credit card Account number ending in XXXX since i was enrolled on paperless statements and I was not able to log in online and I wanted to pay it in full before my international trip this way my balance was XXXX and there was no future payments. in that phone call i talk to a supervisor and order a new card and expedited to me so i could make an online payment before the due date, also gave me the amount due of {$9200.00} that was i little bit higher than my ending balance because it included the new interest accrue until the due date also he offer me to make a adjustment for the interest and dispute some charges i did not recognized he assured me after i pay that amount my card balance was going to be XXXX and will not have to make another payment until i use the card again. on XX/XX/XXXX when i received my new card i log in online and made the payment of {$9200.00} for the exact amount the customer supervisor told me to pay so my account could have a XXXX balance and i would not have to worry on any payments while I was out on my trip. I never received any phone calls or correspondence until XX/XX/XXXX regarding my past due account i contacted customer service regarding this error on their part and explain the situation they were very uncooperative and the only thing they told me that i had to pay the past due balance of 300 something dlls that was mostly late fees for the months of XXXX XXXX XXXX XXXX XXXX and XXXX and when i express my concern of my credit being affected they told me that is why i have to keep track of my balances. i try to explained them that the may reason i contacted customer service and make sure i ask for the exact amount i had to pay so i didn't have to worry about any future payments their response was that there was nothing to do that my credit was already affected by the late payments and that i need to make the payment as soon as possible which i believe that is very unfair the way they conduct business especially not caring at all or being a little considerate i really need help resolving this situation and i would like to remove all the late credit reporting that was done by their deceptive practices and that would considerably affect my credit score since this situation has already had consequences they close both of my credit cards i have with them and this action also lowered my credit score which i really matters to my life. thank you!

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$420.00} XXXX   XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$390.00}

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 2020-04-28 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX  XXXX  XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$420.00} XXXX   XXXX {$140.00} XXXX XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX  to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.

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 2020-04-28 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: IA

Complaint narrative:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX   campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.

Company response to consumer: Closed with explanation