vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: GA

Complaint narrative:
I contacted Elan Financial Services. I made arrangements with XXXX to pay debt off {$99.00} per month on hardship and reduced interest rate. I have made the payments as directed and on time. Today at work on my work phone I got a phone call from Elan about the same debt I made arrangements to pay. For questions the company had been contacting at my cell phone. Why out of the blue after the debt is up to date am I being called at work.

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 2019-09-23 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: MO

Complaint narrative:
On XX/XX/2019 I notified Experian about some in accurate information on my credit report. There is one account that is not mine and 9 inquiries that is not mine and did not give permission to the creditors to access my report. 
I filed an electronic dispute with my picture ID attached. They were unable to or unwilling to correct my credit report with the proof I provided which is a picture I with a signature. That could be used to confirm my identity with creditors. Im requesting these items be removed per federal law.

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 2019-09-23 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: NY

Complaint narrative:
im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX XXXX. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak french but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have no clue who's the people are. They call multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used my debit card at a gas station. The first attempt no money was disbursed. The second I received my money. When I checked on my phone while still at the location I noticed two withdrawals. The owner said that often happened and if my money wasnt shown correct in the morning he would reimburse me. That was the XXXX of XXXX. 

In the morning both charges were still on. So I decided to call my bank, since I was sure they would reimburse me, and if not the owner had said he would. 

The bank took forever. So I cancelled my claim on the XXXX, only to reopen it on the XXXX as the owner was now refusing to pay. 

Last night, I texted the owner, once again he failed to respond, after I learned my bank didnt reopen my claim as I asked on the XXXX. I then called the police. 

Today I have attempted to contact the bank once again but they are not being helpful. I am due {$32.00}.

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 monetary relief
Consumer complaint received 2019-09-23 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: VA

Complaint narrative:
I didn't give written or verbal consent to any company to inquiry information regarding my credit history with XXXX Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX i called midland and I simply advised them I had experienced a financial hardship and Im unable to pay due to being out of work for medical reason. I saw on their website they agree the cease all collections if you experience certain hardships. Ive also wrote this company and havent gotten any feedback and this collections is hurting my score. I would like for the collection to be DELETED FROM ALL 3 credit bureaus due to my hardship. The account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: NY

Complaint narrative:
im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX card. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak XXXX but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines

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 2019-09-23 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: NY

Complaint narrative:
im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX XXXX. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak french but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have been contacting my mortgage company regarding my XX/XX/XXXX property taxes back since XX/XX/XXXX. Every time I call they tell me the issue has been escalated and that they will take care of it right away. As of today XX/XX/XXXX my XX/XX/XXXX property taxes have not been payed. I keep receiving calls from the Tax Assessors Office notifying me of this issue and I need help. 
They can not provide me with answers as to why my taxes have not been payed if I have not been delinquent on my mortgage payment ever.

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 2019-09-23 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: GA

Complaint narrative:
Upon reviewing my credit report, I saw that I have 2 inquiries on my TransUnion report from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that I have not authorized. I made contact with XXXX and they advised me to make contact with the TransUnion because they have no way of removing this information. In the past 90 days, Ive sent 3 letters to TransUnion with the last one dated XX/XX/XXXX. The communication I received back does not acknowledge the unauthorized inquiries in question and stating that the dispute is complete. The letter only explains how to read a credit report and not showing results of the unauthorized inquiries. The inquiries are still remaining on my credit report as of XXXX XXXX, which is violating my Fair Credit Reporting Act.

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 2019-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
The company still has not processed my cashiers check and still charging me interest after confirmed receipt of a cashiers check. 

Also and most importantly, they still have not updated the 3 credit bureaus to show the large payment that nearly covers the entire account balance. Causing my credit score to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I sent in a cashiers check over a week ago and it's been confirmed received and they still havent updates my account and still charging me daily interest. This is causing financial harm and totally illegal. I need them to credit my cashiers check to reflect payment in full and manually updated the 3 credit reporting agencies to show the account is XXXX balance and paid off.

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TRIDENTAM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRIDENTAM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
{$5500.00} was hacked out of my XXXX XXXX XXXX account through cashapp on XX/XX/19 at around XXXX. I had {$47.00} dollars on my cashapp account and that was sent to my bank than they withdrew {$3000.00} dollars and then another {$2500.00}. They used these funds to purchase XXXX and then sold the XXXX the very next day. They then sent the funds to a XXXX XXXX XXXX XXXX account. I contacted cashapp multiple times and have yet to receive a response. I filed claims with my bank and they do not believe me. I have but no choice but to submit a claim here. If any additional information is needed please feel free to contact me.

Company response to consumer: Closed with explanation