vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
XX/XX/XXXX got a call from a collector. Mentioned a payday loan that I did default. I paid them. Then today XX/XX/XXXX I got a call from another collector and said to pay the same pay day loan. Thinking this was another payday loan, I paid this guy. Later to realized I paid two collectors for the same loan.

I paid {$760.00} in XX/XX/XXXX and {$560.00} today. I think the loan was originally {$300.00}. I need to find out who
was the company that called me in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: IN

Complaint narrative:
COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT. 

SEVERAL VIOLATIONS OF DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: IN

Complaint narrative:
ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON 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 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase was supposed to transfer {$11000.00} to my account by XXXX XXXX they are very late and will not respond case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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:
Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit AcXXXX, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. Equifax is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and XXXX removed these accounts but Equifax is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, Equifax is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Complaint Description : When I left Virginia I paid off all my bills including paypal, Then Months after I moved I get a bill with late charges that I never made. I called them when I received my bill just saying pay this amount. I told them I have not made any charges since paying it off. They asked me if I denied the charges I said yes I did n't buy anything. They wouldnt even tell me what the charges were, they said they seen that I paid it off and there was charges after that. I told them I did n't make any charges and told them to put it through Fraud. I then received a letter in the mail telling me I 'm responsible for the bill that I did n't make and I appealed the decision, I never heard back anything and then I get another bill with a another late fee or XXXX. I am not paying for charges I did not make and they are not resolving this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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:
Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit Act, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & XXXX ). After the BBB notified Midland of my complaint, I was made aware that my credit score had  dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was not served any court summons, I am amazed how they obtained a judgment without me being served the notice to appear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & Equifax ). After the BBB notified XXXX of my complaint, I was made aware that my credit score had dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and Transunion removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, Experian and XXXX removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was not served any court summons, I am amazed how they obtained a judgment without me being served the notice to appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This debt has been discharged in a bankruptcy please stop calling and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX Card through Citibank and I paid off the balance of {$22000.00} in full in XXXX XXXX. I filed a complaint with CFPB about the interest I was being charged in XXXX XXXX and the complaint was closed with no corrective action. In XXXX XXXX, I received a refund check from Citibank for this account of {$14000.00}. Prior to receiving the check I received a phone call from Citibank and the representative asked for my address to send a " refund of interest charges. '' When I received the check there was no explanation for this refund other than the message on the stub which reads, " Below is a refund check for the credit balance on your account. '' This account has been closed for more than five years.

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 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check to BofA via atm. The check was immediately put on hold and XXXX funds were available or will be available until XXXX. I went to reception and asked to speak to someone. The agent asked what it was regarding. He explained this was for for my protection and was not allowed to speak to anyone else. I called my bank when I returned home. This was to no avail and another call on XXXX was also unsuccessful. This they say is due to previous fraud on my account for over a year ago. The fraud was from my cloned atm card and not a check deposit. The bank allowed XXXX $ to be withdrawn from my account when there were insufficient funds to do this transaction. I could not withdraw that amount if funds were not available, how can someone with a cloned card do it. This fraud was reported immediately and resolved. Why am I being penalized a year plus later for their mistake. Please assist in this reconciliation.

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 2017-12-14 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:
My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

Company response to consumer: Closed with explanation