vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: MI

Complaint narrative:
To : XXXX  XXXX RE : XXXX & XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an XXXX account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that XXXX conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - 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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am not satisfied with my complaint that got closed. Transunion did the do the accurate job when investigating a dispute. My prior complaint XXXX-XXXX. I wanted valid proof sent to me that is required under 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 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
I recently pulled a copy of my credit report and noticed this unknown creditor. I contacted them on XX/XX/2020 asking for a validation ( proof ) that the debt is mine. However, the address they reported to credit bureaus was incorrect and did not deliver properly. I then resent the letter to the correct address on XX/XX/2020 which they received on XX/XX/2020. I know they received the letter because I have receipts of their signature via certified mail. According to the Fair Credit Reporting Act, creditors are to reply in 30 days form the day they receive the dispute. Conns failed to do so. I sent them a follow up letter on XX/XX/2020 which they received on XX/XX/2020. They replied within time and asked for my social ( which was already given in my initial letter ) and account number ( which I do not have since I don't know where this account came from ). As a response I sent them a copy of my credit report and a letter explaining that I do not have that information and they did not reply yet again. In addition to them not replying, they also did not furnish the proper disclosure dispute statement. By law, creditors must notify and update a dispute disclosure to credit bureaus which states that the consumer ( myself ) is disputing the account. Creditors have 30 days to do this and they failed to update a couple of times. I am tired of complying and doing my part ( following the laws ) in resolving this issue. Conns is not being compliant and this is seriously harming my credit score. I need a response fast in order for this situation to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: GA

Complaint narrative:
My mortgage company, RP Funding has published my XXXX 1098 Form with incorrect information. This form states that they paid XXXX County, FL {$8100.00} for XXXX Property Taxes, when in fact the amount due and actually paid was {$7800.00}. The XXXX County, FL Finance Director confirmed to me that they had received only one payment for my property, on XX/XX/XXXX in the amount of {$7800.00}. I originally notified RP Funding of this error on XX/XX/XXXX which would have provided enough time for them to correct their error with my escrow account and issue a correct XXXX Form 1098. They have not responded to my request concerning the incorrect 1098 form. 

Their error and unwillingness to correct their mistake in a timely fashion is causing me to delay filing my XXXX Federal and State Income Taxes. 

I've attached copies of my original written notice to RP Funding dated XX/XX/XXXX, the receipt for payment of Taxes from XXXX County, FL showing a payment date of XX/XX/XXXX and the incorrect Form 1098 that RP Funding has published and provided to me on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To : XXXX  XXXX RE : XXXX XXXX  XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an ExxonMobil account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that ExxonMobil conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - 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 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest credit Systems has reported the same collections on my credit file now for the past year. The account does not belong to me. It belongs to my brother. I have disputed this once before and it was removed. Now they have added the collections back on my account a few months later and increased the amount to a higher balance! The account belongs to my brother. I currently have an active phone line with XXXX  and I am not in any debt with them. You can not have a current line with a mobile service company without paying off accounts you have in collections. This account belongs to my older brother and I would like this to be removed immediately. Stop reselling this account that does not belong to me. They also have not been able to provide me with a debt validation letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Past due Invoice XXXX for {$71.00} received from XXXX XXXX XXXX XXXX for XXXX test requested by XXXX XXXX XXXX. I contacted XXXX in a series of phone calls and they said I had two other invoices outstanding for {$290.00} & {$30.00} ; I informed them that I have never been to XXXX XXXX XXXX. XXXX was sending invoices to an address that I have not lived at since XX/XX/XXXX : XXXX XXXX XXXX, XXXX GA XXXX ; I paid XXXX {$160.00} as a settlement in XX/XX/XXXX to take my account to {$0.00} even though we could not confirm services ; Then, in XXXX I checked my credit report. XXXX XXXX XXXX was reporting on XXXX, XXXX, and XXXX Collections of {$290.00} Seriously past due for XXXX XXXX. I contacted XXXX and CCS and asked for it to be removed or reported correctly. CCS also recorded the phone calls and I asked XXXX to provide me copies of the recorded calls. On XX/XX/XXXX the CCS Collections information changed on XXXX and XXXX but still showed past due. Then, on XX/XX/XXXX, the information changed on XXXX. All 3 reported that I incorrectly owed past due amount of {$140.00} ; Since XX/XX/XXXX, I've made multiple attempts to have the collections to be immediately removed. Also, on XX/XX/XXXX, XXXX XXXX with CCS told us on XX/XX/XXXX that CCS asked all 3 Credit bureaus in EOSCAR to remove this collection from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX XXXX I received a letter from Huntington Bank XXXX, Ohio. It was a loan denial. The letter states that on XXXX XXXX I requested a loan in the amount of {$9000.00}. I did not request such a loan. I did not fill out nor sign a loan application. I had at the time a loan on a car with them. I did however accompany a young lady by the name of XXXX XXXX who did apply for a {$9000.00} loan. I mentioned that if she needed a co-signer I would do it for her. The idea was to have her assume the loan. However the denial letter she got ... has the same application ID as my denial letter. As well as requesting my credit report without my signed permission reduced my score from ( then ) XXXX to XXXX. In so doing sighting that for one " I had Frequent Delinquencies. I complained to the XXXX XXXX XXXX XXXX Ohio and with the banks headquarters and the local branch here in XXXX XXXX. I have one been contacted by the XXXX XXXX by phone and letter. The letter states that according to their records that I had applied for a loan. In a telephonic response to my letters I was told that I had Indeed applied. My stated response has been the same. Show Me The Application. I was even told I couldn't see it because the loan had been denied. Answer : There is none and they are continuing to LIE. I did also challenge the score with all 3 credit agency 's. Since I have found out thru a loan inquiry that the matter was settled with the company. My score was elevated to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THERE IS WRONG PERSONAL INFORMATION ON MY REPORT THAT NEEDS TO BE DELETED AND UPDATE SEE LETTER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for a BBVA XXXX Credit card in XX/XX/2020 because of a promotion they had. If a person spent {$4000.00} in 90 days or less, they would receive XXXX points. I met my spending but was only awarded XXXX points. I confirmed with my banker that I met the terms of the offer and he confirmed by email. But so far the bank has not awarded the advertised points. I'm attaching the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: OH

Complaint narrative:
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.

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 2021-01-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I XXXX XXXX XXXX XXXX is writing this to say Ive tried reaching out to Wells Fargo customer service to tell them that the credit card thats appearing on my credit is not me!

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I purchased 2 XXXX cell phones and when I got home I did not get service at my house. I retuned them to XXXX XXXX the next day, which I have on video. That was within the time allowed in the contract, therefore I do not owe this money. I never used the service and returned the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: OH

Complaint narrative:
I was viewing the details of my credit report and I saw that XXXX XXXX  # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,

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 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: WV

Complaint narrative:
XX/XX/XXXX was the first initial contact with a family member of mine about this debt, then on XXXX the XXXX I requested a validation letter over the phone and on XXXX the XXXX I requested a validation letter by certified mail. After not hearing from them after sending the debt validation letter I assumed that they were unable to prove this debt actually belonged to me, as I don't believe that it does since I've only been to this office five times and paid on my bill every time I went. I sent a failure to validate letter by certified mail on XXXX the XXXX stating that " As of today, you have failed to respond to my requests. For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XXXXSince you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. The next time that I received any communication from this company was on XX/XX/2020 when it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2021-01-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My mortgage was in deferment. While in deferment it was sold to another lender. Now the new lender want the mortgage plus the deferment amount.

Company response to consumer: Closed with explanation