vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on SOUTHWEST CREDIT SYSTEMS. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST correct or remove this immediately, I don't think this collection is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I requested a verification of mortgage ( VOM ) and the lender refuses to send a correct document. The loan is for two properties -- XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The lender sent a VOM form only showing XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I called and requested a corrected VOM to show both property addresses. The lender said they could not change the VOM. The lender should be able to produce and true and correct document. The document showing only one address is not accurate. I am in the process of refinancing XXXX XXXX XXXX and the lender will not give me a document showing that address on the VOM. This is interfering with my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NJ

Complaint narrative:
On XX/XX/2021, As a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX CU XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-08-24 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: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX  XXXX  has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a credit card with XXXX  XXXX XXXX  and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion with a balance of XXXX when it has been paid.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am appalled at this debt collection post card I received at the beginning of XXXX from FIRST FEDERAL CREDIT CONTROL , INC . The alleged debt that they claim I owe was already paid upon arrival at my doctors appointment last year, XXXX its ridiculous that I receive something like this in the mail with everything going on today. You would think theyd have a little empathy. I have never agreed to do business or agree to any contract with FEDERAL CREDIT CONTROL , INC. Ive never given them any of my not only private, but also personal information. This is exploitation Theyve violated multiple USC codes with the letter as I exhibited it and made notes with disputes and have sent it back to them. I AM A CONSUMER. I have every right to point out that according to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have threatened to report me, a natural living person, to a national credit bureau if supposed debts are unpaid. According to 15 USC 1692e a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. According to subchapter 5 of 1692e they did exactly that. Theyve plastered their logos all over the invoice which is yet, another violation. I refuse to allow such abuse and mistreatment from a fraudulent company like this one. I am looking forward to their response wthin 30 days from the date XX/XX/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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Received notice in the mail around XX/XX/2020 and received other notices after that on later dates, from Midland Credit Management XXXX Inc. A company I've never heard before and never did any type of business with, but they continued to send me threaten letters violating my rights as a Consumer in many ways and telling me I owe them {$1800.00} and how they were forwarding the account to an attorney for litigation if the account isn't resolved by XXXX. Again I don't even know of this company for them to even send me any kinds of mail from them, from the start threatening me into paying them for anything. I don't even know how they got my information. I responded by mail between XX/XX/2020 or XX/XX/2020 through Postal Service, asking them to Validate the debt they claim I owe them pursuant to law 15 USC 1692g ( b ) as a Consumer. On XX/XX/2020, I received a response follow-up from them acknowledging they received my dispute/validation request for the alleged debt. Along with another form that was blank on both sides, as a response. Midland Credit Management , Inc. failed to provide proof of Validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: DC

Complaint narrative:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

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 2021-08-24 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

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 2021-08-24 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: PR

Complaint narrative:
This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : https : XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.

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 2021-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo made me close out my Line of Credit on my checking account. I decided to close out of my checking and savings and pay off the line of credit. I paid XXXX cents too much and my line of credit account has a credit of XXXX. 

When I was at the branch bank in downtown XXXX XXXX Minnesota they told me I had to call a phone number to get them to send me a check for XXXX. I called XXXX twice to get through to a banker so I could close my line of credit and get my money. Both times they verified me through their verification system and then the automated voice said " Are you calling about a refund owed to you? '' I said " Yes '' and the automated voice said " this call is ending now '' and their phone system just hung up on me. 

It prompts me to ask what I am calling about and then hangs up on me. Wells Fargo is making everyone close their line of credit so they must be making it very difficult if not impossible to get any money owed to you from them.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest recovery services has been sending letters and emails claiming that I owe them {$7700.00}. I don't owe them a dime. I have sent them letters demanding that they validate the debt and they have failed to do so. They are continuing to report this false debt the credit agencies after I have asked them not to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: DC

Complaint narrative:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have an HSA account managed by UMB Bank from a former employer. I have been unable to access or utilize my funds for medical expenses via their online portal since XX/XX/2021. My employment ended on XX/XX/XXXX, at which point I lost all access to my HSA account via the employer 's benefits portal. Upon working with UMB Bank, they informed me I would not have access to my funds until 'sometime in XXXX ' after the employer has 'released my full account ' to them. In the meantime, they have provided me with a temporary read-only access into my funds on their system, but this temporary view does not provide me with access to my money. Meanwhile, UMB Bank continues to invest and profit off my roughly {$7000.00} in HSA deposits and investments. I have asked the bank if I could close my account and roll my funds into a personal HSA at another institution, however, I was told that this would not be possible until 'sometime in XXXX  '. I find this practice to be unacceptable, unfair, deceptive, and abusive. Their current policies and procedures have made it impossible for me to fully access my HSA money for almost two months at this point -- without a clearly defined end date. In the meantime I've had to pay for medical expenses out of pocket and on high interest credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Paid the company off inXX/XX/XXXX they still proceeded to place a lien on my property in XX/XX/XXXX and then went out of business now I can't get the lien off my property XXXX  placed on it because they went out of business. ( Security National Automotive Acceptance XXXX ) was paid off and proceeded to not handle the paperwork properly and did not close my loan but yet while liquidating assets and accounts were negligent and proceeded to hire a lawyer and place a lien on my home without proper communication. I can provide my account number for Security National Automotive Acceptance XXXX XXXX. 

I will like a letter emailed by CFPB or mailed stating that Security National Automotive Acceptance XXXX is no longer in business so I can get my lien removed through the XXXX of GA.

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