vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made

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 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made

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 2020-09-13 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: TN

Complaint narrative:
Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: The Bureaus, Inc.
State: KY

Complaint narrative:
On XXXX XXXX, The Bureaus, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, The Bureaus, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2020 I sent through XXXX {$1200.00} that were taken from my account in XXXX XXXX XXXX to be transferred to an account in XXXX XXXX XXXX in XXXX. The money never got to the Bank in XXXX. It was verified by the recipient several times in XXXX since XX/XX/2020. After attempting many times to obtain the SWIFT number to track the transaction in XXXX, MoneyGram did not provide the information and insisted the transaction was completed. I had made at least three complaints and they closed the cases saying they do not provide the SWIFT. I obtained through the Bank in XXXX information that MoneyGram uses a company called XXXX XXXX XXXX, to manage transactions and made the transferred ; but that company do not want to review or provide any data at all either. The responsibility is MoneyGram and my hands are tie. They took the money from my account and nobody responded that there was no transferred to the bank in XXXX. Please I need help, this money pays for expenses of my elder mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property manager stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over Property Management a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
This is the third time that I have complained about this fraudulent account. I have attached a copy of my FTC ID Theft complaint and XXXX police report.ERC # XXXX XXXX XXXX NA # XXXX. I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. ERC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took a loan out with speedy loan for {$700.00} which totaled {$920.00} I made 3 payments of {$190.00} and a final payment of {$700.00} in XX/XX/2020. During COVID I was laid off so I could not pay on the loan. I called in and let them know.

At some point the account was sent to Ada Astra Collection-XXXXXXXX. In XXXX I was reported to all 3 credit bureau XX/XX/XXXX. I spoke directly to Speedy letting them know my account is paid in full and there's a {$410.00} balance, they told me those were fees. 

I contacted Ada Astra told them the remaining balance are fees, it was confirmed by Ada Astra representative my balance had been {$700.00}. I sent numerous emails requesting a courtesy due to COVID, there has not been a reply since my first email. I have emailed, called and there's no assistance they are asking {$410.00} in fees. 

XXXX  deleted the collection after my dispute, and proof of payment, as of today it was placed back on my credit file for the second time. I don't understand how a company can repeatedly place things on a consumers credit file after it was deleted. This company is taking advantage of consumers especially in this time of COVID when people are out of work and struggling. 

To continuously place inaccurate information on a consumer 's credit file after it has been deleted. This is an abuse of power, and damaging to many consumers. The loan was paid in full. I should not have to keep disputing for Ada Astra to stop placing this debt of {$410.00} in fees on all 3 credit bureaus. 

There has been no relief offered to me just the repeated hostile demand to make the {$410.00} fees payment. Due to COVID there was CARES ACT information that consumer accounts not to be charged with fees as the country close in a pandemic. This is unfair practices by Ada Astra and there  should be some help for consumers experiencing this duress by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
i have contacted this company numerous time and inform them that his debt is identity thief and i need the debt remove from my credit report asap this company has really been giving me a hard times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL

Complaint narrative:
Im writing this complaint to request a review and correction of the alleged derogatory information that violates my rights as a consumer. 
The above collection agency contacted me on XX/XX/XXXX to collect a debt that they believe I owe. 
Rockford Mercantile Agency stated in their request that I owe to XXXX XXXX XXXX {$620.00} in which is now past due and placed with them for collection. 
On XX/XX/XXXX I submitted my request to validate a debt to Rockford Mercantile Agency and requested to provide me with a proof that debt is valid and Im financially responsible for the above debt. 
I reviewed all my records and I found that back in XX/XX/XXXX I had an office visit with XXXX XXXX XXXX and I paid off all medical bills that I owed between XX/XX/XXXX and XX/XX/XXXX. Since XX/XX/XXXX, I have not been contacted by the above creditor about unpaid debt In response to my request, Rockford Mercantile Agency provided me with a copy of itemized billing statement that show that I owe {$620.00} to the above creditor and this debt have not been paid. The above agency did not fully verified unpaid debt and did not provide any additional information as a proof of their validation of debt. Instead they disclosed without my consent my medical records from XXXX XXXX XXXX and violated my rights as consumer according to Fair Credit Reporting Act. They did not provide any proof that they licensed to collect a debt in state of Illinois and proof of last payment that has been made on the account. 
The above agency reported derogatory information to all consumer reporting agencies XXXX XXXX, and XXXX  and violated Fair Debt Collections Practicing Act, Section 809 ( b ) validating debt. The debt of first delinquency on my report is not accurate. I do not owe any debt anything to the above creditor since XX/XX/XXXX. 
Moreover, I disputed the above debt with original creditor XXXX XXXX XXXX and advised them to review and verified their records of my payments that made towards unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i have recently pull my credit report and i have identity thief on my report i did not try to obtain credit from any of the inquiry 's thats on my credit report i need all the inquiry 's on my credit to be remove ASAP

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 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN KEEPS TRYING TO TAKE MONEY FROM MY CREDIT CARD AFTER I CANCELLED 3 MONTHS AGO, XXXX X6

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 2020-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have tried on a number of occasions to work towards to getting this amount due settled. The first payment was made by GAP and another payment made by the extended warranty. I was still negotiating with the insurance company. Additionally, I requested Ally to pick up the vehicle. prior to the scheduled vehicle pick up. The vehicle was towed by the city. I continued to made a constant request to pick up the vehicle. After 4 months of calling Ally customer service- the CSR stated they will not pick up the vehicle if damaged. Ally had knowledge of the damaged vehicle. The vehicle was not picked up by Ally and left at the impound. I was sent a letter on XX/XX/2020 informing me the vehicle was not picked up. Charges were assessed interest daily on the account. I called to make arrangements for the charge off.

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 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..

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 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Reviewed my credit report last month and is showing Sears-citibank as reported balance of XXXX + with all National Credit Bureaus. Prior to last month of viewing my report, I received letter from an agency asking for this alleged balance. Til date I have not received any validation of this balance upon request from this agency.

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 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

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 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank pulled my credit three times in a 20 day window for a secured credit card, because of their own mistakes. Per Regulation B also known as the Fair Credit Reporting Act, I believe that since the additional pulls were due to their own incompetentce, they could have reused the first pull. Instead, as a young consumer my credit score has been affected due to a high number of hard inquiries ( 3 our of my 4 hard inquiries are due to their incompetentce ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my 3rd or 4th time reaching out to Transunion regarding incorrect information being reported on my file. Please delete immediately or risk the pursuit of a lawsuit for violating FCRA ... 

The following inquiries were not authorized by me ; therefore, they should 't be on my report. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

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 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
After a review of my credit report I noticed a debt that was put on my credit, i contacted the company to let them know its not my debt thats old and they did nothing about removing this debt only said I owe them.

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