vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A company called ALLY Financial has repeated called my home and left a message for me to contact them in reference to someone else who allegedly owes them a debt. I do not know this person who allegedly owes this debt nor have I ever done business with this company or this person. I do not know who they are. I feel that I am being harassed by ALLY Financial with whom I have never had an account with nor done business with, nor do I know the person that they are contacting me about. It seems that they are running a scam or phishing.

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 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Identity theft as I was residing in XXXX XXXX. 
Been trying to resolve this issue yet going in circles with nothing accomplished and negative marks on my credit due to theft. 

I can be reached at XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
I have contacted XXXX, Experian and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for the Debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have contacted XXXX, XXXX and Midland Funding LLC regarding incorrect reporting on my Credit report. Midland Funding LLC has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. Midland Funding LLC has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 Midland Funding Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for the Debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2021 XXXX XXXX ( authorized personnel for my account ) got a message for XXXX payment request from XXXX XXXX who is not recognized at all via her XXXX XXXX XXXX around XXXX. She asked me if I know her, I said no. then 1 minutes after one phone call with Chase ID called her and saying " You have an suspected account activity, let me verify who is account holder ''. Then they called to my cell phone and check my name and then address then and ask " code '' to repeat and I gave them the code ( i thought this is the process to verify account holder ''. after that they hang up. I felt something is wierd and check the account on my desktop and found money went out. First {$450.00} and then right after {$1200.00} again. I called Chase and reported Fraud and requested " freeze '' my account. Customer service said go to Branch and report right away. So I went local branch nearby my home and reported Fraud and moved all my checking to saving ( it took almost XXXX hours to get this process done. Very unorganized and service was terrible for protection of customer 's account especially Fraud happening moment. Customer dept said they can't do nothing just go to nearest branch to file claim - I don't understand why they can't do emergency Freeze the account after security check. I lost my {$1700.00} due to the delay of their response. 

Anyway, the branch XXXX claimed a fraud at the branch on same day with me After this fraud, I assumed that Fraud/Claim dept let me know either call or email or USPS mail . Nothing happened, no calls or mails.After I found no depsoit on this matter. I called Early XXXX to find out the status. 
So I called Chase after 3 hours holding, I was able to connected to Fraud dept and they saying my claim was denied because device is using same device of processed happened ( I have no idea what it means still now ). 
So I requested to XXXX phone call and finally I explained what happened and request " reopen '' case. XXXX found some weird suspicious log in attempt on my account and therefore reopened my claim. 

Nothing came ( no email, no calls, no USPS mail ) to me or my house. 
I called again to Customer service and they said my case denied again because, I didn't request reopen case after their notice to me which I didn't get nothing. 
They said they sent mail via USPS. What? 
I never got it. I asked did they send any email or certified mail? they said no. only letter has been sent out. So case is not even reopened and denied. 

I am claiming because it is so unfair and I am the victim of this Fraud and Chase not even try to help or protect their customer. I don't understand what their dept doing. 

This is why I am claimimg. 
Chase need to recover my {$1700.00} fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: MI

Complaint narrative:
TRANSUNION is reporting nonpublic information on my consumer report which is a direct violation of my right to privacy as a consumer.

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 2021-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax, XXXX and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State CourXXXX. I have provided this documentation and Equifax verified they have received the Documentation but advised me that the Equifax investigations indicates I am responsible for the Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a XXXX  in XXXX and on XX/XX/XXXX the car was involved in an accident which resulted in a total loss. My insurance company sent {$41000.00} to Kia  which shows in my payment history as received on XX/XX/XXXX but Kia has not applied the payment and continues to hold it in suspense. I have made numerous calls, probably ten or more trying to get them to apply the payment and they keep saying they need information from the insurance company, but the insurance company claims to have sent it on numerous occasions. I had also received a notice from Kia that I was no longer responsible for payments but their customer service software does not communicate with their total loss department software so I have been forced to continue to pay for a car which I do not have any more just to protect my credit. I have paid XXXX, XXXX and soon will be forced to pay XXXX. In addition, the insurance payment was an overpayment of more than {$7000.00} higher than the payoff and now with my continued payments Kia actually owes me over {$8000.00}. Every time a call I get a different person and a different story although today the agent admitted they were backed up 3-4 weeks. I could provide more detailed information if needed. Kia continues to act negligently, and they are unresponsive to fair requests.

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 2021-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank has allowed criminals to open an account under my name in XXXX different instances. In the first instance the account ( XXXX ) will not be closed by them. Every month they send me a bill and late notice. The second account ( XXXX ) has been sent to their collections department. Although Truist acknowledges that fraud was committed they have done nothing to protect their victim. I have been fighting this since XXXX of XXXX  and we are now in XX/XX/2021. The collections letter states that I owe {$74.00} and they are willing to settle with me for {$55.00}. I've uploaded a copy of this letter for recording purposes.

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 2021-12-09 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: MI

Complaint narrative:
Experian is reporting nonpublic information on my consumer report which is a direct violation of my right to privacy as a consumer.

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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage initiated telephone solicitation to my phone line. I have since made multiple requests for a copy of their internal do not call policy pursuant to 47 cfr 64.1200 and to have my number added to their internal do not call list. 

I have not received confirmation of either as required by the CFR 's The underlying asset is a federally backed mortgage.

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 2021-12-09 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
I call Experian, XXXX XXXX and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX XXXX XXXX {$4700.00} XXXX I file a report with FTC.

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 2021-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I received a letter from a credit collection agency that calls itself Receivables Performance Management or RPM, on XX/XX/XXXX stating that I owe a debt of {$470.00} on a debt to XXXX XXXX XXXX, XXXX for a leased XXXX XXXX that I turned back over in good standing in XXXX of XXXX. I immediately responded with a letter stating that I dispute this debt. On XX/XX/XXXX, I received a response form RPM stating that I do owe them the debt for Rent Past Due, Sales Expense, and a Lease Termination Charge. Their letter also states that they do not have to respond to any other inquiries, requests for additional information or challenges to their claim. 

The lease in question was on a XXXX XXXX XXXX which I leased on a weekly basis from a company named XXXX XXXX, which was affiliated with XXXX. The purpose of this lease was to XXXX for XXXX. During my lease, XXXX XXXX was bought out by XXXX, which from what I understand went out of business after I terminated my lease and their remaining business was bought out by XXXX XXXX XXXX XXXX. I leased this car from XX/XX/XXXX through XX/XX/XXXX. The weekly lease payments were taken directly out of my XXXX earnings each week before I could even touch any of my earnings. I never missed a payment. When I terminated my lease, I called XXXX XXXX and they scheduled a pickup of my leased XXXX from my driveway. I was instructed to leave the keys in the XXXX and they would come pick it up on Monday, XX/XX/XXXX, which is exactly what happened. When I spoke to them on the phone, they told me that the final payment would be taken directly from my earnings as they always have up to and including the XXXX, and that there would be no additional charges. Everything went exactly as they described and I never heard from them again. 

The XXXX was in excellent condition when returned and nobody has reached out to me in 3 years to suggest otherwise. I have lived in the XXXX area, with an up to date legal address, the same phone number and email address as I had in XXXX and have never been contacted by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Receivables Performance Management, or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now, 42 months later, Im receiving letters from a debt collector which claims that I owe money to a company which has changed hands several times and I cant help but feel like they were just hoping I failed to respond to get a default judgement against me. 

I looked up this exact scenario online and saw that numerous other former XXXXXXXX XXXX  who leased through XXXX XXXX are now receiving similar letters beginning in XXXX, which I think deserves being looked into.

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 2021-12-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within XXXX days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved Nevada to Georgia XXXX due to the impacted COVID-19 had on my immediate family. Because of the move I was unemployed until XXXX XXXX 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of XXXX I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing COVID symptoms ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX. 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office manager on XX/XX/2021 to inquire about ( Amerassist ) reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX from XXXX to sometime in XXXX. The office manager stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( Amerassist ) remove the account collection/outsources. 
With that said, I contacted on XXXX and XXXX ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office manager to have ( Amerassist ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, XXXX sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted XXXX again and explained what was uploaded to my XXXX disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
Amerassist has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contact XXXX  on XXXX XXXX, XXXX, XXXX and transunion concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, XXXX and transunion allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.

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 2021-12-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I contact XXXX on XXXX XXXX, XXXX, equifax and XXXX  concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, equifax and XXXX allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.

Company response to consumer: Closed with explanation