vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
I would like to dispute the attempt to collect {$290.00} by TROJAN PROFESSIONAL SERVICES. As explained in XXXX, the dental provider had confirmed with my insurer had approved full coverage of preventive dental cleaning, prior to my treatment. The provider also confirmed, no out-of-pocket expenses was required by me, the patient. I have disputed this charge from XXXX  and they should be collecting the debt from the insurer, however the collector continues to harrass and damage my credit report. I request for this record to be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: MS

Complaint narrative:
IC Systems, INC is claiming I owe {$460.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BTH Management
State: WI

Complaint narrative:
a phone call I received on XX/XX/XXXX. When you indicate you will take my XXXX XXXX XXXX if I park it out front and garnish my pay. 

He knew my name address and telephone number and said I need to pay my bill and he said he had my file and ran off a list of billing and payment from XXXX loans. 

I I indicated, I believe I paid that off and what was the payment amount of payment or last payments and he indicated I got your file and he stated a few {$200.00} payments. 

I was under medication and indicated if I caught thieves trespassing on my trying to steal my property I going to shoot at them and not taking threats and hang up. 
I then called back and ask them to sent me someone by email as he indicated he'll have a settlement amount and I can make payments. 
Defendant needed to verify debt. As I have had ID theft and has had collection attorney executing process of service, that I were not served also have paid bills in collection. 
Further, Plaintiff has not responded to my XX/XX/XXXX request and offer of payment reductions upon the documentation provided ( see attached ) from 1st, 2nd, and 3rd ect., parties. 
Have no verification of account as Its hard to keep safe once they get your information out there, because in today 's ' reality, people/collectors gather information to sell, Steal, Discriminate and Collaborate with third, fourth, fifth, etc. party in violation of numerous State and federal violations FCRA, FDCA, ECOA et., al XXXX 

I got the email and presenting to you in complaint. 

My XXXX XXXX went up to XXXX as I was injured in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the XXXX app and found XXXX alerts ( XX/XX/21 credit inquiry from XXXX for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from Equifax for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called XXXX, Equifax, XXXX, and XXXX XXXX the morning of XXXX XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX  store and learned my phone number was highjacked and a fraud alert was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXas been reporting an unsecured personal line of credit tradeline ( that was originally originated by XXXX  XXXX and transferred to XXXX through the XXXX XXXX XXXX as a mortgage product on my credit report for 14 years. When I disputed the tradeline with Equifax in XXXX of XXXX, XXXX XXXX reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the tradeline or my PII ( social, birthday, name and address ). The tradeline both before and after my Equifax dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My card was compromised in XX/XX/2021. I called the number on the back of my card and reported the charges as soon as I noticed. Several days later, I noticed additional charges that posted and had not seen any communication come through from the credit card company. That XXXX told me that I reported it incorrectly and then sighed repeatedly as I listed off the fraudulent charges. Since then, they have notified me that they investigated the charges and found them to be valid, therefore, I must investigate and contact the merchants for documentation so that I can prove that these charges were not made by me. They actually said to me, " you have to prove to us that this wasn't you. '' I am XXXX months XXXX  and do not have the time or money to do my own investigatory work. One of the charges was made at a gas station - I do not even know how to begin to call the gas station to ask them to help me prove that I've never been there. 

Please see the charges below along with notes : XXXX XXXX XX/XX/2021 {$370.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$21.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$300.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX  XX/XX/2021 {$91.00} - I've never shopped with this merchant. 
XXXX XXXX XXXXXX/XX/2021 {$46.00} - I've never shopped with this merchant. 
XXXX XXXX  XX/XX/2021 {$76.00} - I've never shopped with this merchant. 
XXXX # XXXX XXXX XX/XX/2021 {$32.00} - XXXX believe this is a gas station in a different state.

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 monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
AD Astra Recovery is claiming I owe {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Atlanticus Services Corporation
State: DE

Complaint narrative:
On XX/XX/2021 I contacted Aspire to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. Aspire attempted to use the old account charged me a {$29.00} fee. I contacted Aspire on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped 50 points because they reported a late on my report. I contacted Aspire and they apologized and said the late would be removed due to the error on THEIR PART within 5 days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXXASPIRE # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We fell behind on mortgage payments due to the pandemic causing unemployment in the household. However, we have since resumed payments as of XX/XX/XXXX. 
We followed through with a modification application and were denied with 2 separate reasons, all of which were not communicated to us. Since the start of the modification process we had to diligently follow up with Wells Fargo on a weekly basis as they failed to communicate effectively among other things. 
While continuing to make timely payments we kept attempting to resolve the pandemic arrears. However, Wells Fargo failed to provide any assistance, and in fact kept insisting that we pay the entire {$23000.00} arrears in one lump sum! They cost us a refinance as the payments made since XXXX were not being reflected towards current payments. Therefore, the XXXX said they could not approve the loan without a year of current payments, but would if arrears had been added to the end of the loan, and payments were current all of which should have occurred. Needless to say, Wells Fargo would not assist in this or any regard. After several months of fighting with them to provide some type of assistance or re-payment plan, the loan went to underwriting yet again in mid XXXX to see if another modification application would be approved. I strongly believe this was a half attempt to appease me as they had no intention to provide any type of assistance, and was right. Today it was learned that the second modification was also denied! However, the decision was made on XX/XX/XXXX and I just called to follow up on XX/XX/XXXX as was told it was still pending! Wells Fargo has no clue how to conduct business and is deceptive in many, not to mention they are fraudulent. I have been calling them on a weekly basis to check the status and have been told a different story each time! The explanations went from they need additional documents, we have 7-10 business days for a decision, we have 21-30 days to make a decision, the last representative misinformed you, or the date it went to underwriting changed altogether. The explanations for denials went from the house  is not a primary residence, we make too much money and now we cant afford the mortgage! Which is absolutely absurd, because before the pandemic, payments were current and always had been!!! They would rather the house go into foreclosure instead of providing assistance of any kind! Foreclosure this is simply not an option, as I refuse to have my credit and financial stability ruined due to their negligence and incompetence!!!

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a false and fraudulent inquiry on my credit report from XXXX on XX/XX/2021. I never signed up for credit with them this is false please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: MS

Complaint narrative:
XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

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 2021-12-13 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: MS

Complaint narrative:
XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. It has now been 60 days since I have sent this letter to investigate further into These items as they are not validated to be specifically mine. Section 611 ( a ) states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my report and once again, it has now been 60 days!! So both items need to be deleted immediately or I will file for litigation due to the XXXX you caused me!! Further, I need the letter I sent responded to with ALL the questions answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX {$920.00}

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I closed my Apple Card by Goldman SachXXXX Bank XXXX XXXX ) in XXXX of XXXX ( XX/XX/XXXX ) GSB permitted a charge to my account in XXXX of XXXX ( XX/XX/2021 ). Numerous calls to GSB has not rectified this situation. GSB can not give me an answer as to whether this will happen again in the future. A closed account should mean closed and no longer accepting charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I used my credit card to get gas. Shortly after my card was used at a XXXX and XXXX. When I noticed I called and had the card cancelled and was mailed a new one. Now, a month later, the charges have been added back and I was not aware why. When I called they said it was because the chip was validated. When I explained I lost the card they said I should have filed a police report. However, they never told me to file XXXX when I submitted the claim. I should not have to pay for someone using my card fraudulently.

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