vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX XXXXTODAYS DATE: XXXXXXXX/XXXX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXXpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance Company Displaying a difference in which was actually due. XXXX XXXX XXXX XXXX  was my bank for five years prior to loosing employment. At the moment I requested a delete if paid letter. Haven't heard anything within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: SC

Complaint narrative:
Over the past year I have been trying to resolve fraudulent entries on my Equifax credit report. After sending my original police report of identity theft , several supplemental reports, and my FTC identity theft report with formal request to block those items Equifax continue to violate my rights as an identity theft victim. XXXX   and XXXX conducted the same investigation with the same information and the items were deleted promptly. I'm filing this complaint against Equifax because I'm suffering damages because of these fraudulent accounts and after numerous attempts they report the fraud anyway. I have attached documentation of the dispute and report of fraud. This is hurtful and unacceptable and this behavior is nothing short of willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX  DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX   XXXX
XXXX XXXX

XXXX XXXX-

XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX   XXXX

XXXX XXXX

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 2019-08-20 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX -XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXXXXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The date was XXXX/XXXX/2019. At that time $XXXX.XXXX  which was going to be paid with arrangements that was made. But they came out with no warning they took the car,the morning of the arrangements. Repossessed it. Added extra fees, which I was unable to pay to get vehicle back. Now they are saying I owe even more money, over $1000.00. First of all they were wrong for even taking my vehicle. As I had already made arrangements with different custormer service reps. Wrong fully repossessed car. I'm not able to pay.  Thank you. 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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a phone call at XXXX:XXXX XXXX on XX/XX/2019 from XXXX-XXXX-XXXX. It was a recorded message from Midwest Recovery saying that I need to call  a 1-888 number. After it said the numbers 888 II hung up. They did say they were a debt collector but did not say who the messages was for. It was an automated or robo call. I looked the number up in my phone data base security and checked it with the two different security checks I have and both of them stated Scam/Fraud High. The files would not upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Attempted activating a Western Union gift card. Made more than 30 phone calls and received a message stating " Call Later '' No one answers the phone. Spoke to more than five people, and no one knows what to do. I had a Western Union representative call a special number, and they got the same run around as I did. I can not activate the card. I received the worst service ever. When someone didn't know what they should have, they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I was on my way to work and I was receiving text messages from Citizens Bank. With the amount of messages that were coming through were making me worry. Upon arriving to work I immediately logged into my Accounts ( 2 checking ) I noticed that one of my accounts had {$1000.00} removed from it. I clicked on it to see how this money was removed if my husband made a large purchase or something. No it was a " XXXX '' transaction. So I went started to call Citizens Bank. Then I clicked on the other account to see {$900.00} be withdraw through " XXXX '' in front of me. I did not know what to do. I did not know who was doing it. I did not know the email it was going to. I clicked on the " XXXX '' app from the Citizens account and Request the {$1000.00} back as I was still on hold and did not know what else to do. The {$900.00} was still pending. When someone from Citizens came on the line I explained the situation, told her that I am being a victim of fraud. I did not authorize this or know this email address. That I did request the {$1000.00} but I do not know how that works but the Citizens system is not allowing me to request the {$900.00} back as it does not show me the account it came out of why. She did not know why and was transferring me to Fraud prevention. They said you can not request the money back we will put in a case. They did not give me a case # or anything. I hung up called my husband. He left work went straight to the bank they advise we close both accounts as they can see the account # online and now can process ACH on our account. So they did that with him. They also called the fraud depot and processed a claim. Which said I did not do. They denied the claim said I was online at the time the transaction was happening I must have been talking to the person. I said I was not I was talking to the Citizens rep. The filled the claim again and denied it again! " XXXX returned the {$1000.00} as they said this email address over exceeded the amount you can request in a day and I requested mine back so they returned the {$1000.00} back but I was not able to request the {$900.00} and Citizens will not help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My old bank account, that I had to close for it was being robbed. I took my name off 3 years ago. The checks that someone has stolen dose have my name on it. But it is not my account. The Bank knows and will not pay debits on that account there has been quite a lot bad checks. So they are trying to commit electronic fraud .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXFOCUS FINANCIAL SERVIC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: LoanCare, LLC
State: AL

Complaint narrative:
As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XXXX. The overall issue is this, which then brings me to my dispute with my credit report. 
They want to charge me {$400.00} a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals {$250.00}. If then I provide a 2 month cushion, the amount comes to {$290.00}. Currently I send in a check each month one for Principle and Interest = {$750.00} and then an Escrow check = {$290.00}. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is {$1100.00}. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX. 
In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXMIDLAND FUNDING XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On early XX/XX/XXXX, I applied for Gold Delta SkyMiles® Credit Card, when I signed up, American express gave me the offer that promised me I would get XXXX bonus miles after making $XXXX purchase with the card. However, within 3 months I already spent over $XXXX. When I asked American Express when can I get my XXXX  miles rewards, they refused to give me. It was my first time to apply for the American Express Delta credit card, and I have never had the same card before. American Express never give me a reason why I am not eligible for the welcome bonus offer.

Company response to consumer: Closed with explanation