vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: IN

Complaint narrative:
Oliphant Financial , LLC. is trying to collect a debt from me that is not mine. I have been a victim of identity theft. The original account held with XXXX XXXX XXXX XXXX opened in my name using my information for a LOC for {$14000.00} on XX/XX/XXXX. The account was then charged off with a total amount of $ XXXX I found out about the issue on my credit report, I filed a police report on XX/XX/XXXX and the account was removed from the credit reporting agencies shortly after. I was then sued for the debt and have not been able to explain to the court that I was a victim of identity theft. 

I already have a default judgment put in against me because I thought I was going to be given a court date to present my case in front of a judge which did not happen. I submitted a small claims case against Oliphant Financial on XX/XX/XXXX after I was served by their attorney on XX/XX/XXXX. During the hearing of my small claims case ( XXXX ) on XX/XX/XXXX against the debt collector, I was told I could not file a claim against a case that had already been decided in another court. However, when I submitted the small claims case on XX/XX/XXXX, the case had not been decided yet. The default judgment was filed on XX/XX/XXXX and entered/issued on XX/XX/XXXX. I had no opportunity to defend myself as a victim of fraud and identify theft. I want Oliphant to show evidence of their ability to collect on this debt from me, i.e. a signature, proof of using the funds, etc. By request, I have submitted my police report, FTC report, and FTC affidavit to Oliphant in hopes they would resolve this but it doesn't seem like that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: The CMI Group, Inc.
State: GA

Complaint narrative:
I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are XXXX visits to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in XXXX  I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX!!! Im in the midst of trying to make a police report and get this handled.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: Capio Partners, LLC
State: GA

Complaint narrative:
I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits  to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX Im in the midst of trying to make a police report and get this handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I am not an attorney. This description is in reference to my own personal experience that I've had with ERC and how they have failed to uphold the FDCPA. ERC attained my location information without my permission and contacted me at a time that was inconvenient to me to threaten to take action against me that would be a detriment to my reputation and livelihood by furnishing false and negative information on my consumer report. I assumed the vital role of my life and requested a Debt Validation from ERC sent on XX/XX/2021. It was received by them on XX/XX/2021. After 160 days, I still have not received any of the documentation I requested to have the alleged debt validated. They were supposed to respond within 30 days of receipt. They, instead, called me and used obscene language to attempt to get me to pay an alleged debt they say I owe, but refuse to validate, and claimed that the FDCPA did not apply to their company making statements like " we don't need your information to furnish items on your report and never get permission before we do ''. They continued to harass me by sending me mail to my address without my permission. In this mail, is the logo of the debt collection company, mischaracterized balances meant to mislead me, several instances of threats, and several instances of obscene language. I've had an official Affidavit of Truth notarized and sent to ERC outlining the ways they've violated me that they have also failed to acknowledge. This leads me to believe that they are well aware of the ways they have violated me and agree that what I have just described is entirely true as they continue to willfully violate my rights by avoiding my specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Since XX/XX/2021, Portfolio Recovery has been calling me nearly every day from a different phone number every time. ( The number provided was the most recent used number as of this report. ) Most times I decline the call and block the number, but the two times I did answer it to ask them to stop calling, the other end was dead silent. Occasionally their numbers leave a short voicemail on my phone -- less than 10 seconds on average -- with a partial XXXX or American automated voice recording. 

I've looked up this company and it seems they're a legitimate debt collector ( XXXX-accredited ). I don't have any past due debts, so I'm not sure why they're calling or whether they have the wrong person or what. 

I did receive several calls and undetailed voicemails from a XXXX XXXX ( an unfamiliar company I have no debts or business with ) about a month before the Portfolio Recovery calls started ; so I wonder if these companies are connected ; whether the former is, again, pursuing the wrong person ; or whether these companies have anything to do with each other. I'll point out that neither company has mailed or emailed me about any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX / XXXX / {$62.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys is an old account that should no longer be reporting on my XXXX credit reports. 

This account is from 2013- it has reached its statute of limitations. The account was closed more than XXXX years ago.

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 2022-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I have been trying to close a mortgage with Cross Country mortgage since about XXXX of last year. 
Half of the problem was I needed a co signer, that was corrected and I was told We were approved. 
I can not get a loan decision yes or no from cross country mortgage. I was transferred from loan officer XXXX XXXX to an associate XXXX, to loan officer XXXX, all tried their best but were limited by someone or something. I was then transferred to manager XXXX XXXX, who made it seemed she could handle the situation, she was incorrect. She's been on this a month and made no progress except to aggravate us with missed appointments and phone/text " tag ''. My next call was to the company which is evidently a franchise or similar. I called XXXX and spoke to XXXX, he really did care and got some action from the franchise we are dealing with. He was able to get XXXX at XXXX to call me within 24 hrs!! 

I spoke to XXXX he said he needed time, that was four days ago. There has be no communication since phone, text or email. 

Supposedly we had a rate lock, and a pending approval, however conveniently my appraisal expired as did the current pay stubs. So I had to pay for another appraisal and have hr departments do all the work again! 
So here I am 1.5 months later with no decision, as I understood there were questions from underwriting. No one has communicated the questions to me in any way, email, text, or phone call. To date this year I have not received a loan number Do I need a lawyer?? 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 Navy Federal Credit Union Closed my checking, savings, and credit card account after being a long term good standing account holder. I contacted NFCU and asked why my accounts were closed without any warning or reason given. 
After speaking with NFCU 'S security department I was given a timeframe of 10 business days to investigate and and resolve the issue of my closed accounts. The representative stated that someone opened a navy federal account using my similar personal information. 15 days later I contacted them still without any explanation as to reason why the accounts were closed and was given no real expected end or resolution to the situation. Since then I have waited and contacted the bank seeking updates and the status of their investigation with no luck, and no real answers. 
I no longer have access to my accounts and I am currently being charged interest on my credit card balance. I feel as though I am a victim of ID theft being punished as the thief. Guilty until proven innocent with no urgency to get the account reopened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
The original creditor was XXXX back in XXXX, however it was purchased by multiple agencies and finally ended up with XXXX XXXX XXXX. However, they have reported the creation date for this account in XXXX as " new debt ''. And now they have sold it of to a new company XXXX and yet creating a new account as if they debt is brand new. This debt is XXXX XXXX XXXX and should have fallen off my credit. We have reported multiple times to remove the debt and only to receive letters from the creditor not to and then selling off to a different agency. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I have had identity theft in the past and reported it to the XXXX XXXX XXXX online at XXXX, gov which included unauthorized Credit Inquiries including from a car dealership I never stepped foot in or authorized anyone to run my credit for an auto loan. I then proceeded to dispute with the 3 bureaus reporting these unauthorized inquiries due to Identity Theft all XXXX and XXXX removed the inquiries, however Equifax has failed to do so and replied to me with a Stall tactic stating Ididnt provide proof of ID or proof of Address which is not correct because I have been disputing with Equifax on many inacurracies since XXXX! And even after disputing several times since XX/XX/XXXX with the Identity Theft Report, copy of my license and proof of address these inquiries REMAIN. This is unacceptable! I have an updated New ID Theft Report with FTC included in this complaint as well. These inquiries are hurting my credit rating and I demand EQUIFAX to Comply! The following are the inquiries still reporting : XXXX XX/XX/XXXX which is duplicated for the same Day! 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which is duplicated for the same Day! 

Please see all attachements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I contacted this company after seeing an account from them reported to my credit ( XX/XX/2022 ) The amount of the debt owed had changed from the original creditor 25 %. I requested an itemized statment, and was told by the rep that they had already sent one out. It is a violation per FDCPA to refuse to send out an itemized statement. Not only are the charges for this debt questionable but CBSA can not tell me the original amount of the debt, any payments made toward the debt. They referred me back to the original creditor, stating that they don't own the debt. I reached out to the original creditor who then referred me back to CBSA. I have no contract with CBSA nor do I owe the debt they are claiming. This needs to be removed from all credit bureaus immediately. The Texas Secretary of State website does not show CBSA as a third party who is able to operate in the state of Texas. They also do not own the debt, and I don't owe it. This is illegal per the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened an accelerated savings account at Citibank last summer. On XX/XX/XXXX Citi, without my knowledge and approval, withdrew all my principal and earned interest ( 0.5 % yearly ) and kept it all to itself ignoring my requests which started in early XX/XX/XXXX when I read my monthly statement and noticed this withdrawal. Finally, following CFPB inquires at my request, Citi used XXXX XXXX XXXX XXXX  on XX/XX/XXXX to send a check to me for the amount they withdrew on XX/XX/XXXX, ignoring the fact that they owe interest to me from that date ( XX/XX/XXXX ) to the date they decided to mail the money back to me ( XX/XX/XXXX ). It is a shame that a national bank such as Citi plays these little tricks on people trying to save relatively small amounts with them. They know very well they needed to return the money and delayed the return until I found the support of the CFPB and only after the CFPB asked them. Citi knows very well who I am because for years I have used one of their credit card as my primary one and never I have had any problems with my ID, payments and credit union account that I also use to open and feed the infamous Citi savings account I opened with them last summer. It was a series of mistakes Citi employees made that caused this problem and I, the client, paid the consequences so far. I would appreciate your help to get what is mine, the interest ( 0.5 % yearly ) not paid by Citi while they kept my money from XX/XX/XXXX to XX/XX/XXXX. Thank you.

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 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-14 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC
State: CA

Complaint narrative:
I had called LoanMe around XXXX XXXX & I wanted to pay off my loan. They had told me it had got sent to a collections company. The number they had given me was XXXX. I had called them & paid off the amount of {$2900.00}. They had told me the this well be taken off my credit within the next month or so. Ive been checking my credit report & its still on there with a full balance as well.

Company response to consumer: Closed with explanation