vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the usa credit bureaus have failed to correct errors in their reports within the allotted time.

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove 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
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OR

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. The debt was turned over to collections and that is how I found out that I had become a victim of identity theft. I notified XXXX XXXX, XXXX XXXX XXXX and XXXX with phone calls and letters. On : XX/XX/21 I provided all three companies with a letter stating that I was a victim of Identity theft along with ; Identity Theft Report, Police Report, Proof of Identity, Notice to Furnishers of Information. On : XX/XX/21 I sent a follow-up letter with all the previous information. On XX/XX/21 I still had not heard back or received any information. Again, I sent another letter with all previous information. I then contacted all three credit reporting agencies and sent them the information that I had sent XXXX XXXX, XXXX XXXX and XXXX. They did an investigation and found that I was indeed a victim of identity theft and removed the collection from my credit report. I believed this situation had been resolved. In XX/XX/2021 I received a phone call from AFNI Collections in attempt to collect a debt on behalf of XXXX. I explained to them that this has already been resolved and that they should contact XXXX. They sent me a packet, with a list of items, stating that I need to provide them to properly process the fraud claim. I have already spent so many hours working on this fraud claim only to have it start-up again with an another collection agency. XXXX has never provided me with an account application made on paper, online, or by telephone, account statements, signatures on applications and accounts, investigators report, and any information where the account was opened. All XXXX has done is keep sending this to a new collection agency for them to try and collect on a fraudulent account. XXXX needs to be held accountable for their poor business practices that allowed this to happen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
Waypoint Resource Group sent a notice to collect a debt dated on XX/XX/21. I responded with a a USPS certified letter sent on XX/XX/21. I have proof that the certified letter was delivered on XX/XX/21. In my response I included a request for proof of debt. I also provided bank statements proving that the debt they claimed was paid to the original creditor over 2 years ago. Waypoint failed to respond with proof of debt within 30 days, or all all. They did respond by submitting a knowingly false debt to the credit reporting bureaus on XX/XX/21. I received the alert and began the dispute process the same day. During this period Waypoint spoofed local phone numbers in an attempt to contact me at work. When the calls were answered Waypoint refused to identify themselves or the reason for the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
1. I signed up with Experian 's credit monitoring service.

2. Through their credit monitoring service they suggested applying to a card with one their marketing partners so that my total percentage credit used would decrease.

3. They then sent me marketing information about a marketing Sponsor named XXXX which they said had pre-approved me for a Master Card. They used the word PRE-APPROVED, which would imply no hard checks on my credit.

4. Although I was approved for that card, there was nevertheless a hard check on my account.

5. In short, Experian actively encourages users of their credit monitoring service to sign up with one of their marketing sponsors, both by making it appear that having more credit is beneficial to the overall credit score, and then leading people to marketing sponsors like XXXX which claim to have pre-approved them for credit - when in fact the marketing partner still performs a hard credit check, thereby in fact damaging the consumer 's credit rating. 

6. What Experian and XXXX are doing is in fact a fraudulent hard check on my credit.

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 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : NCB MANAGEMENT SERVICES, INC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : VANCE AND HUFFMAN LLC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : National Credit Systems Account # XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX CC : Regular US Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CA

Complaint narrative:
There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. 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 explanation
Consumer complaint received 2021-06-12 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: CA

Complaint narrative:
There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CA

Complaint narrative:
There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. 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 non-monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called 5/3 3 times over this issue, and spoken to 2 agents in their live chat and they still refuse to fix this. I closed my credit card which still has over {$7000.00} in debt on it about a month ago. The card ends in XXXX. When they closed it they make COMPLETELY inaccessible. Cant look at it at all on the app, and can only look at some things on the 53.com site. They make it so I literally cant see when theres knew interest charges, or late fees which Im horrified may happen because they make it IMPOSSIBLE to pay the monthly bill on. They tell me I can pay the bill by sending a check. I dont have any checks cause this isnt 1995 and so I wouldnt get the checks in the mail for the next month. They say I can pay at a branch. How archaic. ALL the branches are only open by appointment and I am across the country no where near a branch for a funeral and wont have acces to a branch for AT LEAST ANOTHER MONTH.

This is pathetic. WHY in gods name would you make it so I CAN NOT PAY YOU!

This is to 1 ) make you finally reopen the account apparently so I can give you money. You want money dont you? MAKE IT ACCESSIBLE 2 ) to prevent any late fees due to you inaccessibility and inept why of doing things Ive done credit cards with every major card in XXXX, XXXX, and XXXX XXXX. No one has ever stonewalled me from paying them like this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide recovery systems placed a debt on my credit with XXXX XXXX that I am completely unaware of. I have never even heard from them nor have I received a letter. I have no idea what this is from, I have never done business with them. I do not owe this debt. Anytime a debt collector is going to report you, they have to notify you first via mail or call. I never received anything nor heard anything from them. Also, even if I did, I am to receive a 30 day notice to contact them and validate the debt. Since I was not aware of it, I was never given that opportunity. Also, I do not see anything on my insurance showing any EOBs from this company, therefore I have no reason to believe this debt is mine at all. IF they did have my information they would've known to bill my insurance for it. I want this item removed from my credit report immediately. ALSO, I am a victim of identity theft. I have had someone taking over my accounts and changing my address. they have used my name, my license, my address, phone number, email, XXXX and all my medical information. I deserve the right to validate any debt to ensure that it is mine. Failure to communicate me prior to reporting this is direct violation of the Texas Finance code 202 ( b ). REMOVE AND CEASE ALL COLLECTION EFFORTS PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have these accounts that are not mine and i want it to be remove. 

1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX 6. XXXX XXXXXXXX 7. XXXX XXXX 8. XXXX XXXX XXXXXXXX

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 2021-06-12 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: Marlette Funding, LLC
State: NY

Complaint narrative:
I have these accounts that are not mine and i want it to be remove. 

1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX XXXX 5. BESTEGG XXXX 6. XXXX XXXXXXXX 7. XXXX XXXX 8. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc.
State: NJ

Complaint narrative:
Over the past few days i have been getting calls from unknown numbers and even voicemails back to back to back. Even family members were harassed by these people attempting to collect a debt. They are using unfair tactics, threatening me with court, threatening to take my wages, threatening to take funds from my bank account, even the last call threatening to " send my case upstairs for failure to pay ''. This total visa card is a closed account on my credit report apparently from almost 6 years ago. The person on the phone when i called them asking them why they are harassing my family members which i am sure is against the law, the man told me that " because the statute of limitations is about to expire we are trying to collect on an old debt '' Worst is that i XXXX the card type and apparently the credit limit is XXXX with a whopping almost 35 % APR. This apparently is issued by the XXXX XXXX XXXX. I honestly do not remember ever applying for a card with that high of an APR as that would be a financial loss to me even if trying to repair my credit. My mom did not raise a fool and i would never agree to that. I am a victim of identity theft foremost and i tried to explain that. The guy on the phone come telling me that with fees, court fees, etc i would have to pay more than XXXX which i do not have. How can a credit card with a XXXX limit equate to more than XXXX? And worst the guy was rude and unprofessional and i find it strange how he claimed " My client will waive the XXXX in attorney fees and some other fee and me pay like XXXX k '' Something seems shady. They even had someone with an XXXX accent threatening me to send the cops to my house and that is illegal. I can not be arrested for a debt. I think this company is practicing shady collection tactics and i am not happy about this. I fail to understand how they know there was a pandemic and they are trying to keep people in debt. it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have had my mortgage with Loan Care LLC and over the past year I have had increasing issues accessing my account. First, their mobile application stopped functioning. At that point I was still able to access their website for account information. Their website now no longer functions. I have been unable to access my account or verify my payments for 6 months. I have had to call the 1-800 number, wait on hold for up to an hour, and have a representative access my account manually. Today when I attempted to call in, their 1-800 number no longer functions. When I attempt to use the automated system, it gets stuck in a loop and will not allow me to speak with a representative. I have no way to access my account to ensure this company is managing my mortgage appropriately.

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