vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit Management is trying to sue for a XXXX XXXX credit card account I know nothing about and not on my credit report. They are saying I owe over {$3800.00}. They have hired local attorneys to attempt to get a judgement. I have XXXX XXXX XXXX account open on my credit reports. It is a car loan in good standing and I owe more than {$3800.00} on that one. XXXX XXXX credit card would be on my report if I owed anything and they would not have given me a vehicle loan. 
It is annoying and time consuming that they come up with bogus info and harass people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Over half the accounts aren't mine. A woman who I met a few months ago mirrored my phone ever sense I have been getting billed for things that I didn't order accounts that I didn't open. Someone keeps asking for insurance and or buying a new car and buying things online and credit cards.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
dear to whome this may concern i reported to credit bureaus on the inquires on the reports are fraudeulant and i did not authorize these inquires and that they be removed immediately and got no response! also reporting the correct personal info on the credit report with one address and one name spelled correctly.

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XXXX XX/XX/2021 I made the payment of a car which I have a lease with the Toyota financial entity for {$33000.00} but when checking the car credit it was with a settlement of {$25000.00} not including taxes until day XXXX XXXX I contacted toyota financial by phone and they told me that to buy the car I must send some documents with my signature and some information in a letter that they sent me by post to my surprise they sent me the letter with the wrong information three times. 
To receive each letter, he had to wait 24 to 48 hours, that is, it took about 12 to 15 business days waiting for the corrected letter. the corrected letter was never sent. I spoke with maybe XXXX people therefore I asked my bank for a refund of my full money. Toyota advisers tell me that it was best to send a certified check with the letters, finally, I sent the letters, some corrected and others not, together with the check for a total value of {$27000.00}, which was the total including taxes to make the total payment of the debt. 
The shipment was made at a certified USPS post office on XX/XX/2021 and was delivered on XX/XX/2021 now Toyota financial does not want to credit me the value of the settlement, according to what they received on XX/XX/2021 In addition, they are charging me a balance of around {$7900.00} It is important to clarify that I also spoke with an advisor who told me that I spoke with the supervisor who gave her the approval because I correctly carried out each of the steps but then the last advisor told me that he was not correct and continues to collect the balance I mentioned earlier. I can state that I am declaring under penalty of pejury of the laws of the United States that the following is true and I can send proof of each one of the things that I declare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
XXXX XXXX BANK {$720.00} this account was opened fradulently by someone I do not know and I have contacted the agency for years to assist me with recovery my personal credit profile to get standings and they have yet to do so, therefore I am filing charges against them for neglance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
A collection was started on a credit card account in XXXX of 2017 i was XXXX  and never received notification of the collection it just appeared on my credit report I have disputed it as well as informing them I am on a XXXX  widows pension and the account was setup with my information but I did not set it up the account was opened XXXX XXXX ( XXXX ) I was XXXX effective XX/XX/2017, i am receiving XXXX  WIDOWS SSA BENEFITS the reason for becoming XXXX  was the death of my husband and I was XXXX for 3yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
XXXX reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Lanier Collection Agecy is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Lanier Collection Agency received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally financial calling non stop all hours of the day 7 days a week. Attempting to collect debt causing me stress

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 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
Vance and Huffman reported to the credit bureaus that a debt is mine. This debt is not mine and was either a result of identity theft or fradulance if they have my information. I never once signed anything with my physical signature authorizing the debt in my name and I asked to have it removed immediately. I have recieved no response and it remains in my reports. This has caused financial stress and burden upon myself and family. The debt was from XXXX XXXX for over XXXX dollars and I have zero idea what this company is. I pay all of my bills on time. They never sent anything in the mail as I requested with my physical signature nor responded at all. They never sent anything to me ever actually. And now I have this collection that isn't mine on my credit report not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I was approved for the NYS Excluded Worker 's Fund after being denied regular and Pandemic Unemployment. This comes after being out of work for over 14 months. XXXX Bank XXXX XXXX XXXX XXXX ) sent me a prepaid debit card and I used this card for several transactions related to work including paying overdue bills. I was reviewing my transactions online and noticed that over {$9000.00} was stolen off of my card from merchants in Illinois when I was in New York at the time each and every XXXX of the identity theft charges was made. I sent in the proper forms to XXXX Bank XXXX XXXX XXXX XXXX ) and was assigned Case Number XXXX. I was asked to file an Identity Theft Report which I did and sent in a copy to the XXXX. I also sent in additional evidence explicitly proving that my identity was stolen previously and numerous credit cards were opened in my name with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I received an email from the XXXX stating that my case was resolved and that I would receive another email with the status of the resolution. I was only credited back close to {$900.00} of the over {$9000.00} of fraudulent charges. I did not receive an additional email regarding the resolution. 

Since I was out of work for over 14 months and denied any XXXX related unemployment, approval from the NYS Excluded Worker 's Fund came as a much needed relief to My Family as well as myself. The funds that were stolen off of my card were going to be used to pay our late credit card and other monthly bills including our past due rent. 

I reported all of the fraudulent transactions within the time frame as set forth by applicable law including but not limited to reporting the identity theft charges on the card within 60 days. 

Under applicable law, I request that the XXXX provide me true copies of the documents which were used to investigate these matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
My neither, sister and I received {$100.00} XXXX  gift cards for XXXX from our grandmother. The cards were sealed in the packaging and required activation. 

Upon activating, all three cards ( which were mailed to us to separate addresses ) had pending activity prior to activation. One card was completely cashed out. All three had initial transactions at XXXX XXXX, a store we'd never heard of, for XXXX. This was before we ever received them. We also found out another relative, in another state, had also their XXXX gift card maxed out before they ever used it. 

I called XXXX, the number on the card, to alert them and cancel the charge. They stated they couldn't do anything with a pending charge, were very rude ( making remarks about how it was only XXXX on my card ] and when I asked how a sealed card could have charges prior to receipt or activitation, I was told that they don't have a way to know that and that there was no one to escalate my complaint to in order to avoid future fraudulent charges or scams with their product. I was also concerned that any remaining balances are now compromised. The agent offered to cancel my card. I asked to confirm that I would just lose my money if I cancel, and she said yes. That is an unacceptable response to a fraud concern.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I keep on receiving notices for a debt collection company called ARS, Stating that I owe {$1500.00} from a company I have never been associated with, it states that the original creditor XXXX XXXX. I never dealt with that company or owed them money. I spoke to ARS, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
On XX/XX/2021, XXXX violated my consumer rights by reporting false and deceptive information to my consumer report from XXXX XXXX XXXX being the original creditor. Pursuant to 15 USC 1692a ( XXXX ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. I was also violated as a federally protected consumer pursuant 15 USC 1692c ( XXXX ) Communication with third parties -- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ; meaning I did not give them permission to contact me nor did I give them consent to report anything to the reporting agencies ( XXXX, XXXX, & XXXX ). According to 15 USC 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing

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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
XXXX XXXX and I XXXX XXXX  settled outta court for {$500.00} on XXXX XXXX... 
They took my security deposit and trying to come take my money...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
I recently had an apartment background check to obtain a unit. When I receive my background check back, the information on there was inaccurate and should not be reported. This has damaged my employment history and rental history in regards to trying to obtain a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My name is XXXX XXXX XX/XX/1983 ss # XXXX. For some reason. I can not open a bank account or cash a check. Someone stolen my identity a while back. Now I have XXXX XXXX .It is supposed to prevent people from stealing my info. I need help. I don't know what to do. I couldn't even get a check cashed to get my kids XXXX this year. Please help me fix this. Thanks

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As of XX/XX/2021, TransUnion has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( 3 ) I am a federally protected consumer who has been violated. TransUnion has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( 1 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( 1 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected 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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
I recently pulled my consumer risk report through Lexis Nexis. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Graduated XX/XX/XXXX from XXXX University with XXXX XXXX XXXX XXXX  Began repayment after graduation and have paid every month without missing. 
Worked at non-profit from XXXX thru XXXX In XX/XX/XXXX applied for loan forgiveness after working in non profit for 10+ years when the program was first available. Had sent employment certifications multiple times, with acknowledgement of receipt. Shortly after submitting all employment verification I received a short letter that I was not eligible due to the wrong type of government loans. Upon calling Navient to follow up I was told that I could start over with the count if I changed my loan. I spoke with a representative that I had been paying 14 years and another 10 would put me at the end of my loan. Navient offered no solution, no help through the process. I was never informed it was a non-qualifying loan. 

XX/XX/XXXX @ XXXX I called Navient at XXXX and Spoke with XXXX XXXX I let her know with the waiver, I would be reapplying for the PSLF. I requested a refund for the payment amounts due to COVID forbearance eligibility. She affirmed I could request a refund and even stated the date would be from XXXX XXXX. She told me this was due to the disaster forbearance and calculated the amount from XX/XX/XXXX to present to be {$6100.00}. She confirmed my address. She then went on to tell me immediately upon the refund Navient would be reporting the account as delinquent and since it was for the given timeframe it would immediately be report to the credit bureaus for being greater than 90 days delinquent and would have a 6 % fee for delinquency of about {$500.00} which would be due immediately. For the fear that Navient insured, I held off on getting my refund for payments. 

My loans have been transferred to federal loans with a consolidation date of XX/XX/XXXX. My PSLF application was acknowledged as received XX/XX/XXXX. I am currently awaiting a loan count ( which should be around XXXX with the waiver ; XXXX over the XXXX due ) and forgiveness. With fear of doing something wrong again or missing a step I have followed up with XXXX XXXX and with legal counsel. XXXX XXXX rep told me I was misinformed by Navient and owed a refund- that I never should have been told that due to the disaster forbearance. 

I, like many borrowers, have been very misled and misinformed by Navient. I have tried to follow processes but offered no help and blatantly lied to. I am requesting a refund of overpayment on loans as I completed my 120 payments in XX/XX/XXXX and worked with two qualifying employers. Thank you for your time and consideration.

Company response to consumer: Closed with explanation