vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
A False claim of collections has been on my financial records for over two years. 

A false claim was reported to the Simmons Collection Agency. 

The Buisness ( a dance studio ) falsified records stating that I paid tuition for my XXXX children to take " recreational dance ''. This is not true. My Children were selected and I enrolled them, and paid for in full at the beginning of the year for the required classes for Competative Dance. 

I alerted them ( The Simmons Agency ) that the collection was false MANY TIMES. 

We hired a lawyer to communicate to the Collections Agency and the buisness it represents the Debt and impending Collections was fraudulent. 

I have calledSimons Agency many times. It has been almost 3 years of communication! 

Today I sent in even more supporting documentation asking them to take it off my credit report immediately. 

The Dance Studio that has made this Collection has falsified records and is being vindictive because they did not want to refund funds that they owe me including tuition, competition fees and costume fees. This is a false claim on my fanancial record!. It is on my credit report and is causing continual financial harm. We did not " drop '' dance classes as states in the contract. The girls were kicked off the Team in the middle of the Competition Season, after we paid for all fees, costumes and tuitions, in full, upfront.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
in XX/XX/2018 opened 2 $ XXXX cd 's for a XXXX yr term at 2.12 %. around XX/XX/2018 USAA began taking money from the CD interest deposit and around XX/XX/XXXX they said it was because of the XXXX not being on file, around XX/XX/XXXX the XXXX issue was resolved the XXXX was found on file since the start of the CD and the deductions should have stopped. The deductions continued and were not even accurate but continued, calls to USAA resulted in assurances that the deductions will cease and return of the deductions will be provided, no return calls ever received deduction continued. In a desperate move the CDs were cancelled and money withdrawn from USAA the penalty was indicated as a portion of the interest paid but the resulting penalty was a deduction of interest and principal form the CDs. Additional calls to USAA seniors and agents resulted in a call from someone who never called again who said the issue is under review. No information on my CDs with USAA is now available on line at USAA under my file and account numbers, no interest XXXX or indication that the CDs ever existed is available.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX was a service we had back in XX/XX/XXXX- XX/XX/XXXX. We moved from XXXX county to XXXX XXXX and when we moved their services did not cover our new area so we stopped services at no charge. When we moved we took the cable with us however we kept having problems with service and connection and their prices we called in and because of our issues the rep agreed to have our cable cancelled and we would not be charged anything because we were not happy with services. He just told us to make sure we turned in all equipment so we do not get charged for it. We sent it all in and called to verify they received it and they told us we had no balance and we went our own ways. Now XX/XX/XXXX we live in Texas and I received an alert on my credit for a collection account for XXXX $ we have never received anything in the mail in the last 3 years. I called the collections and they told me that I will be paying it very rudely. I am so upset because they have damaged my credit when we are trying to qualify for a house and we never received any calls emails or letters regarding the debt that we do not even owe. We were assured as long as we returned the equipment we would not owe anything and now we are being told different. That is not fair and very unwthixal and we we're hoping to establish a new service with XX/XX/XXXX when we bought our home but after this I am definitely disappointed and want this issue fixed.

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 2019-01-31 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: VA

Complaint narrative:
Equifax keeps denying my dispute for a few accounts when it was opened using my identity. I even provided the police report and the e-mail from XXXX XXXX XXXX! It is so frustrating. 

I am submitting a dispute for the following accounts that have been once removed and someone back on my credit report again. These were from my identity theft. 

Please remove : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts listed )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  capitol one 360 XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: MI

Complaint narrative:
As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on Equifax and XXXX  credit reports. Since the previous dispute found on complaint reference # XXXX to XXXX  and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX . XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both EQUIFAX and XXXX  to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX  is reporting with 7 of these 8 creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social Every time I try to open a account with chase they shut it down for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My complaint is against Cash App on XX/XX/XXXX my son XXXX XXXX put XXXX into Cash App for me. XXXX XXXX his mother. However, instead of using my bank information, they submitted it to a card of a former contractor. the card was used to send them money. The card belonged to XXXX XXXX. However, the money was supposed to be sent to me-XXXX XXXX. I have our entire conversation in a file below. Cash app asked me to call the bank to get the charges reversed, knowing the bank couldn't give me any information because I wasn't the cardholder. I spoke with XXXX XXXX and she closed the account in XX/XX/XXXX. She s [ spoke to the bank XXXX XXXX ( Prepaid account ) They said she closed the account XX/XX/XXXX and there hasn't been any activity on the card since then. The bank said in situations like that the bank returns the money with 2 days to the sender ( Cash App ). Gave Cash App the information XXXX customer service Rep said they saw that money was deposited in the account twice. XXXX completely ignored the fact that my son sent the money too me. Someone keyed in the wrong information. Now they are asking me to get proof from the bank. Which they can't because it's not my account. I asked XXXX XXXX to do it so I could attach it to the thread as XXXX asked, but the bank said they couldn't do it. I'm frustrated with Cash App. I removed XXXX XXXX 's card so they would not make the same mistake again. My son sent me that money for food and a pair of used shoes because I injured my knee. Cash App refuses to do the work and deleted the refund so the money wouldn't come back to the sender. See the attachment for full conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Spoke with Midland Credit Management back in XXXX and was going to work with them. Gave them a date that I would get back in touch with them ( was within a week ) and they continued to call me 3 -  5 times a day until that date. On that date I informed them to stop calling me as it was interrupting my work and daily life. 

Afterwards the calls picked up. I get calls anywhere from XXXX to XXXX CST 7 days a week. Currently I have blocked over 30 phone numbers that Midland has used to call me. Many of these numbers are not active so I suspect they are spoofing their caller ID. 

This is beyond harassment and is very unprofessional. I could understand if they called once a day Mon- Fri but as I stated I have blocked over 30 numbers belonging to them and those are just the ones that I blocked. I keep records of every call that they make to include date and time. 

I wish to handle this without litigating matters but if it comes down to it I will do what I have to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: VA

Complaint narrative:
There are 6-8 accounts that Experian keeps putting back on my profile that have been deleted several times as identity theft. I even submitted the police report, etc. and they keep re-adding it to my report. It is very frustrating.

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 2019-01-31 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I requested a payoff amount from Mr. Cooper to pay off my second mortgage. Prior to requesting the payoff request I paid my XX/XX/2018 payment. My payoff was to be paid by XX/XX/XXXX XX/XX/2018. On  XX/XX/218 via wire transfer I made a payment with XXXX XXXX. According to XXXX XXXX case # XXXX the payment was paid on XX/XX/2018. The payment was made to the specific account number indicated on Mr. Coopers payoff quote. Mr. Cooper is claiming that they did not receive the money. XXXX XXXX home mortgage ( the lien holder on my first mortgage ) somehow intercepted the money and credited my first loan. This is currently under investigation. I then made another wire transfer to the same account number with XXXX XXXX XXXX XXXX. The payment was received and credited on XX/XX/2018. Within the time frame that was indicated on my payoff documentation. I contacted Mr. Cooper several times regarding this issue. I informed Mr. Cooper of the initial problem on XX/XX/2018 regarding the transfer. I spoke with XXXX. My loan was paid off in XX/XX/2018. According to my documentation and my payment history I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They sent me an arbitration letter and he said I had to sign it now or I would be subpeona at my job the following day and that I had to pay a down payment which I paid {$75.00}. I asked if I could just call him back so I could look up the account information he was referring to. He said he would take my home if I didn't pay. I signed the letter because I was freaking out that he wanted to take my home. So that was mid XX/XX/XXXX, then he was supposed to take an additional {$830.00}, but then I called my banking institution and spoke to their records dept and they gave me a different account number. So I called the debt collector back and he said they had the right to change the account number and that I had to pay by XXXX XXXX time. I told him I would pay any valid debt, but wouldn't pay on an account that wasn't mine. So I asked him to re-send the paperwork with the correct account number and he refused. I called him back to tell him I spoke with the Attorney General and the FTC and he started yelling at me and said " good luck winning in court '' and hung up on me.

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 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Patriot Finance, LLC
State: GA

Complaint narrative:
I attempted to get a personal loan from this company. I was appalled when they asked me for sensitive documents ( i.e. with Pii ) via *** email ***. Email is pretty much the worst way of transferring data, as it is not secure. Please look into the practices of this Patriot Finance company regarding how they handle their potential client 's personal information. In fact, I wonder if they are even legit ... because any legit company these days would have a secure portal for providing sensitive documents. ( they did provide a fax option, but who really does that anymore? ) The following is a copy/paste of their email to me ...

XXXX Thank you for your recent application.

In order to begin processing your loan, our underwriting team will need you to please provide the following documents : 1 ) Copy of your state issued ID ( Drivers license, etc. ) 2 ) Copy of your most recent pay stub.

3 ) Copy of your most recent bank statement. 

Please either respond to this email with the documents or, you can send via fax at XXXX. 

If you have any questions about your application, please call us at XXXX. We look forward to working with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, USAA reversed a temporary deposit credit of {$60.00} from a poorly handled dispute opened on XX/XX/2018 On XX/XX/XXXX, they submitted another credit reversal for {$60.00} leaving my account {$48.00} negative. I have tried earnestly to reach someone with USAA dispute department to no avail. There were multiple representatives handling my personal information and I know this dispute has been handled poorly and unprofessionally. I would like them to return the {$60.00} they inadvertently took and close this dispute so I can leave USAA entirely. This is the second complaint I have made regarding USAA handling of my accounts and the dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TX

Complaint narrative:
In XXXX i sent equifax a letter from XXXX XXXX that they were deleted account off my file, its been off for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX its appears back on my file dropping my score 50 points, this is the third time equifax have place this back on my file since XXXX XXXX took it off, and they blames the company that they reported it, i talk to XXXX the owner and he stated that he did not report it and that equifax is not telling the truth, so he said he will Remove it again, but its a shame how equifax place things back on people credit dumping they score, its depressing and down right illegal, can something please be done, by governor equifax for doing such thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rauch-Milliken International, Inc.
State: SC

Complaint narrative:
Dates to XX/XX/XXXX when we received message from XXXX, with XXXX XXXX XXXX, XXXX that we ow {$350.00} on XXXX XXXX account. I returned call explaining that account was cancelled & if this was final payment on XXXX I was happy to honor the committment. Claimed it was auto renew - I told them to produce an original contract where I agreed to auto renew. Several days later got bill from XXXX XXXX XXXX ( XXXX XXXX, AR ). 

XX/XX/XXXX - wrote certified, return receipt letter ( with certified, return receipt copy to XXXX XXXX ) - recounted phone conversation ; repeated offer to pay {$350.00}, BUT must have assurances that this terminates association. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX XXXX with Rauch-Milliken ( XXXX, LA ) in response to his form demand dated XX/XX/XXXX, recounting situation with XXXX  and XXXX XXXX XXXX, including offer. Stated, " Now that you wish to threaten legal action, you may no longer contact me directly for any reason whatsoever. All contacts with your firm must be through our attorney, XXXX XXXX... '' XX/XX/XXXX - wrote similar letter, certified, return receipt to XXXX XXXX in response to another form letter demand. 

XX/XX/XXXX - wrote similar letter to XXXX XXXX, Rauch-Milliken,  certified, return receipt. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX at Rauch-Milliken referring to my letter of XX/XX/XXXX. Said in this letter, " Consider this a cease and desist letter under the Fair Debt Collection Practices Act. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney General 's Office. Civil and crimimal claims will be pursued. '' Since that time I have received calls on XX/XX/XXXX at XXXX. When not answered, they called right back, demanded that I speak to them and then hug up on me as I was telling them to stop. 

Received additional phone messages on XX/XX/XXXX and XX/XX/XXXX - advising us to retain attorney, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: FL

Complaint narrative:
I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit report.

Company response to consumer: Closed with non-monetary relief