vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: SC

Complaint narrative:
In XX/XX/2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XX/XX/2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX. 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I received a very threatening letter from one of the collection agencies XX/XX/2020. ( Account 2 ) Which they violated so may practices. I immediately reached out to the agency, to dispute the allege debt. I also explained that I had already sent filed the complaints mentioned above, and sent this to the agency. 
I was told that they had it, but don't have it on file, and that I need to resend. This was on XX/XX/2020. 
I received a letter from the company, demanding that I do the things that I had already done, when the agency yet to prove any evidence that I owe allege debt. I was sent some of the contract I allegedly agreed too, with no signature, and I was sent part of someone else contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
I paid my medical bill and capital accounts lie to XXXX and theyre still keeping this account on my file, harming my credit. I want it removed I do not owe the money and it is a very old account and I paid the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Diversified Adjustment Services Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/2020 Re : Social Security Number : To Whom It May Concern, This letter is regarding account XXXX, which you claim This is my account and its placed on collections. This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b )  Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX and Transunion said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on 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 non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
It is the second time since I refinanced my mortgage with AFR. Since I got my very first statement, I tried to register my account on their website ( provided in the statement ) to set up automated monthly card payments. I keep getting " No Records Found-Error '' and unable to register my account. I have called AFR multiple times, spending at least five hours total on hold. I was told by at least four representatives that my problem will be resolved in the next 48 hours. During each conversation they prompted me to pay by the phone which I don't like doing. Still, after two weeks that my issue hasn't been resolved, I paid by phone. Now, a month later, I still am unable to register my account. I refuse to have to call AFR every month to make a payment and not have access to online payments as they state to view the status of my loan and set up automated payments. This is blatant disregard for the services they are meant to offer as a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I filed bankruptcy that includes 2 companies that were contacted and are now reporting these accounts as open accounts closed that were included in the bankruptcy. Its inaccurate and causing my score to drop because of false reporting of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XXXX XXXX is XXXX XXXX of XXXX who steals money out of my accounts with duplicate authorizations. I divorced XXXX XXXX of XXXX who is President Clinton of XXXX XXXX XXXX XXXX Incorporated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
A random collection from Bonneville Collections of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, UT XXXX XXXX : XXXX, XXXX XXXX CEO, showed up on my credit report with no account number, original creditor or contact information. I wrote twice requesting Proof of Contract that Bonneville Collections was entitled to enforce a commercial claim against me. 3 months passed and they did not respond. I called, explained the FDCPA and FCRA that this was fraud. They have refused to provide any proof that I signed any contract or agreement that I owe them or the original creditor anything. They have refused to remove the collection. They are in direct violation of both the FDCPA and FCRA. 

This has caused me serious financial harm in the loss of low interest loans, lowering of my credit limits and scores and increases in my interest rates. I am a XXXXXXXX XXXX XXXXXXXX   XXXX veteran. This has caused myself and my wife XXXX XXXX XXXX on top of financial problems. 

Please help! 
Kind Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I don't owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
In XXXX 2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XXXX XXXX 2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I reached out to account holder number 1. 
I was told to send all my complaints to their fraud department. I did so, on XXXX XXXX 2020. Almost immediately, the agency came back, without a proper investigation, stated the allege debt belonged to me. This was done without acknowledging I had to file a police report, and a ID theft report with the FTC. 
Not once, had the agency provided proof or verification in their claim. 

I have requested on multiple occasions : XXXX, XXXX, and present of a copy of this loan agreement that they are standing by. I asked them to provide verification of my actual signature, a copy of my government identification, evidence that I in fact sent all this to the company, in requests of a " loan. '' To date, I haven't received anything to that effect. I have not received any for of communication, not through email, phone, or USPS stating the allege debt was in default and or in collections. There has been virtually no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. Equifax and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX  and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill XXXX with my name on 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 non-monetary relief
Consumer complaint received 2020-09-22 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR

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 2020-09-22 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Credit Audit, Inc.
State: PA

Complaint narrative:
I have a case where I was sued in XXXX and the original creditor debt collecting attorney won. They won XXXX and XXXX but in turn I sued there attorney and won XXXX for him violating the fdcpa. The original attorney never came to collect the balance.It was from XXXX. Now central credit added fees to it and the original creditor was only aloud interest and attorney fee. I disputed there attorney fees. Central credit added items past the statue of limitations on there and they collected it from settlement oy home.Theycollected items not included in the lawsuit that was past the statue of limitations, the attorney for the original creditor was sued due to the items that was there. Now central credit added those items back to it that was past the statue back in XXXX and now added over XXXX in collection fees that was not part of the lawsuit and I refuse to pay there attorney due to the contract was broken when he violated the law. And I was wondering if you may be able to help with this. I also from XXXXnever delt with central credit, never got any letters for them to add fees is unjust. I requested the original creditor to send me information that they are collecting an they refused. Also they were awarded from the second quarter of XXXX And central credit was paid that and added items that was in violation from the attorney to it. They collected more then the contract from the lawsuit illegally, refused me of my rights, items past the statue of limitations that was sued over by the fight debt collector attorney and added there own fees that was never in the court document. Never sent me anything after XXXX. The original attorney was uSed and never contacted me again after he was sued. I have that proff and proof they was XXXX and XXXX only. And I will not cover there attorney fee due to the violation. central credit statement shows items not to be on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety.I have no knowledge of this company or alleged debt. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: VA

Complaint narrative:
Bottom line, I am requesting your assistance ( 1 ) correcting this company 's current billing ; and ( 2 ) directing this company to make updates to my credit report as the information reported is inaccurate. 

Between XX/XX/2020 - XX/XX/2020, on a monthly amount of {$1000.00}, I owed this company {$8400.00} ( excluding any penalties from past due amounts/reversed payments ). 

During the period above, I paid the company {$9200.00}, which is approximately {$820.00} over what would ordinarily be due on a regular monthly cycle. Despite 17 payments over 8 months, the company has reported to the credit bureaus ( 1 ) that I have been at least 30 days late on my payment, and ( 2 ) created an image of a less than stellar payment history. I acknowledge on six instances, one or more payments were reversed ; however, 50 % of those reversals were borne from Lending Club not honoring my request to stop its ACH payments, in writing as required by its policy. This led my bank ( XXXX ) to place a block on any payments from this lender. The company has FAILED to compare the past eight months against a long and stellar payment history, which again, began after the company refused to follow its process and stopping any ACH payments. 

Additionally, I have also called the company 's attention to a plethora of erroneous notices that I have received, indicating that my monthly payment of more than {$3000.00} ( which is $ XXXX above my monthly amount ). I recently provided proof that its system was not processing payments online, although the 17 payments alone likely render any past due or payments owed, not required ; yet, the company continues its troubling practices. 

Finally, it is unclear to me, due to the litany of billing, processing, and payment errors ; this company has committed, how much I owe this company. Despite receiving thousands in payments this year, the balance appears to decrease, incidentally. Furthermore, the company 's slow processing/handling of non-Lending Club institutions ' payments is very disturbing. When processed via the company 's website, payments are processed within 48 hours ; however, when payments are processed via external institutions, payments have taken up to seven days, which exposes consumers to considerable and avoidable financial risks, particularly given this company 's billing errors.

Company response to consumer: Closed with explanation