vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
First Notice from Rash Curtis Assoc On XX/XX/XXXX, ( received XX/XX/XXXX ) letter with an attempt to collect a medical bill from XXXX XXXX XXXX XXXX  located in California. Rash Curtis provides client ID # XXXX for {$39.00} date of service XX/XX/XXXX. I replied with a dispute on XX/XX/XXXX. To inform XXXX XXXX the medical bill is a fraud never lived in the state of California. 
Second Notice On XX/XX/XXXX ( received XX/XX/XXXX ) letter in an attempt to collect a medical bill from Rash Curtis to collect a debt from XXXX XXXX XXXX located in Texas for the date of XX/XX/XXXX for {$28.00}. I replied with a 2nd attempt to dispute the medical bill. The notice had the same client ID # XXXX. Again replied the medical bill is a fraud and never had any services with this hospital group. I also include a letter dated XX/XX/XXXX with fraud alert notice of data breach with my identity information from XXXX XXXX XXXX. I did proceed to contact all three credit bureaus to put a fraud alert on my identity. 
Third Notice On XX/XX/XXXX, received on XX/XX/XXXX, Rash Curtis again, the third attempt with original services located at XXXX XXXX XXXX XXXX, Texas. 
On the third attempt, Rash Curtis Associate again is demanding payments with a threat to damage my credit for the date of XX/XX/XXXX. The location had changed from California to XXXX, TX which is over XXXX miles apart. 
However, Rash Curtis has changed the location of the states and the medical reference name but with the same client ID # XXXX to make their collection legal to collect this fraudulent medical billing debit. I had informed Rash Curtis Associates of this error to collect this medical debit and it is a fraud. But Rash Curtis is still sending letters attempting to collect an old medical bill from XXXX. Before the four years, the collection will be invalid. 
I have never received any previous medical billing from the client ( s ) XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd.
State: AL

Complaint narrative:
On XX/XX/XXXX I received a letter from MAC DOWELL & Associates LTD representing XXXX XXXX XXXX XXXX stating that I the consumer owed a debt of {$51000.00} violating Truth In Lending Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act among others. On XX/XX/XXXX I pulled my consumer report and saw that they have the alleged debt reporting to the credit reporting agencies starting on XX/XX/XXXX falsely stating that I have a debt violating TILA, FDCPA, FCRA and it is defamation and is impeding on my ability to utilize my open consumer credit line. 

On XX/XX/XXXX I responded via certified mail with a Cease & Desist, Affidavit of Truth with Exhibits and a Bill of Particulars to settle these violations and to grant relief. 

I have attached all evidence and supporting documentation to settle this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I noticed that late payments were showing on my credit reports. By law debt, collection agencies can not report late payments. Please REMOVE all inaccurate information from all 3 credit reports and stop reporting late payments. I never signed a contract with you for payment arrangements. 
Also, I noticed that my balance keeps increasing each month. Can you send me documentation that you can legally keep increasing the debt you have reporting on my credit report? I also would like a copy of the original documents with my signature and the amount the vehicle was sold for that is deducted from the amount you claim that I owe. If you can not provide me with this information please remove the inaccurate reporting from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Ocwen Financial Corporation
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: SD

Complaint narrative:
I received a notice from a collection agency on behalf of XXXX XXXX, which I've never used. I called them to dispute it. They had my address, minus the XXXX  number and birth date, but email to create the XXXX XXXX was not mine and never heard of it. They offered me a discounted amount, which I refused because it's not my debt, so they told me to file a police report. They are opening a fraud case, but said XXXX XXXX already did and believe it's my bill. This is not my bill and I need help to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AZ

Complaint narrative:
I was frauded by cash app. This last week I had funds in my cash app set to the side specifically to pay my rent. I was waiting for my check to clear so that I could pay rent & pull the remainder out. On XX/XX/XXXX I went to use my card only to find out over {$1200.00} had been spent without my authorization. There was 3 separate transactions in the amounts of {$270.00}, {$500.00}, & {$430.00} with XXXX. I immediately reported the card stolen & reached out to cash app. I was issued a new card & was told to try & call target to have them cancel the transactions. XXXX told me there was nothing they could do, so I needed to call cash app & wait on them. XX/XX/XXXX I woke up to yet another transaction being withdrawn, even with {$0.00} in the account, this time in the amount of {$500.00} from the card they had just issued, which I have never even used. I then XXXX that card & again reached out letting cash app know there was fraud being done. Once the card was XXXX I really was able to see there was little to no customer service available to me. I filed a police report and filed a complaint with the XXXX  hoping to get someone to help me with getting my money back. This same day there was an attempt of {$460.00} which was finally declined! The next day, XX/XX/XXXX, I had woken up with another {$270.00} & {$430.00} being successfully charged to my account. This placed me in the negatives. After reaching out again for assistance I received nothing. I then had my pending check in the amount of {$780.00} cleared & then applied to the negative balance. This has left me with {$0.00}, 0 answers, & still a negative balance. Cash app has done nothing to assist me in getting my money back or letting me know the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with Bank of America on XX/XX/2021, about a XXXX fraud. I also filed a complaint with IC3 Internet Crime Report, and FTC Federal Trade Commission report number XXXX. I also made a police report with my local authorities. I waited for Bank of America to do its own investigation with no positive outcome. I just found out about CFPB, if not I would have reached out to you sooner. 
I XXXX  XXXX  customer service on my phone, and it gave me a phone number to call, stating that it was XXXX  company. I thought I was speaking to an XXXX representative. I spoke to a gentleman about fixing my XXXX. He said he can help me repair my XXXX over the phone, so I trusted him. He was very convincing, he told me that my phone was hacked and there was someone trying to get into my account, that's why my phone was not working correctly. He gave me steps to do over the phone to protect myself from being hacked into my personal account and my Bank of America account. He asked me if I have been to Florida I said no. And that the scammer was located in Florida. He told me to go into my account right away and press numbers in, to protect myself from the scammer. He told me that the only way to go was in my XXXX account and gave me numbers to press. That I had nothing to worry about. That was the only way to block the scammer. After I realized what was happening, I had sent the fake XXXX representative {$2400.00}. He told me not to worry, that the money was going right back into my account right away. Then I realized it was a scam when I didn't see it back into my account. I cant believe I got scammed out of {$2400.00}. I don't have much money and I feel so bad that this had happened to me. I am very upset with XXXX for allowing scammers on their website. It was the first website that appeared when I XXXX  XXXX  Customer service.

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 2021-11-09 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: Southern Management Systems Inc.
State: TX

Complaint narrative:
I was a XXXX  at XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX and successfully completed a leasing agreement with XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX . Years later when I checked my credit report, I found they had reported a Predatory Collection ruining my credit score by claiming I owed them {$2800.00} and sold the claim to a collection agency. I had 3 roommates during this time and there is no way after completely paying for my 12 month stay, that I can be charged another {$2800.00}. XXXX XXXX XXXX  today states they have no record of this claim but fail to correct the falsified report against my credit. This is a scam that needs to be investigated to see if this is tied into the XXXX XXXX XXXX system and if other students have experienced the same predatory practices. How much is XXXX XXXX XXXX  getting paid to sell inflated student debt to third party collectors who put pressure on students with locking up credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX I am sending this complaint myself and there is no third party involved. The account JPMCB CARD was a corporate account and was mistakenly reported on my profile. I believe there may be an error on the payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I lease a XXXX XXXX XXXX XXXX XXXX from the XXXX  XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am attaching a copy of the lease contract. Fast forward to my present situation where I am not able to keep up with the payment due to financial hardship. Mercedes has failed to assist me with the reduction of payment. I do not qualify for Financing of the Vehicle at this time, so the more that I drive the vehicle the more miles that will continue to be put on it, declining the value over time. 

Today, I visited XXXX in the city of XXXX, CA where I was hoping to be able to sell my Vehicle to XXXX. The Vehicle was valued at {$49000.00}, however, I was then told that Mercedes is not allowing any payoff-off 's from any third parties. The fact that automakers are forcing us to keep the vehicle is causing chaos across the auto-finance industry. If the Vehicle is being paid off, it should not be up to a dealer to allow who can pay them off. I need the CFPB to step in and initiate a Federal Investigation into this illegal activity. I am sure that I am not the only person being affected by this. Auto makers and dealers need to put the consumer before profit, and allow consumers experiencing hardships to be able to sell their vehicles to third parties, like XXXX to be able to stay financial afloat, and lastly to not have this impact their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply.

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation.

I have contacted TransUnion several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.

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 2021-11-09 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: DISCOVER BANK
State: FL

Complaint narrative:
I am XXXX XXXX, and I am submitting this request myself and there is no third party involved. Regardless of the multiple written requests, the DISCOVER FIN SVCS LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are 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 re-examine most especially the status information on this account. Otherwise, delete this collection account NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am 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 Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC 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 that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$1500.00} ARS XXXX Balance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureau is reporting inaccurate information on AWA COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is open and the balance is {$8900.00} as reported. Lets fix this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: WI

Complaint narrative:
The three credit companies XXXX XXXX, XXXX and equifax, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX  and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: WI

Complaint narrative:
The three credit companies XXXX XXXX, experian and XXXX, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!

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