vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYE DATEXXXX HUNTER WARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HUNTER WARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Collection Agency, Ltd.
State: CO

Complaint narrative:
I pulled my credit in late XXXX of XXXX. I noticed there was a collection from Continental Collection Agency, so In XX/XX/ I sent a validation letter to this company and received no response, I followed up with another one in XXXX of XXXX, and have yet to receive any communication from them. I can not verify or validate this alleged debt and it is harming my ability to use my credit to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-06-23 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: Collection Bureau of Fort Walton Beach, Inc
State: WA

Complaint narrative:
All of these accounts are reporting collections as " Open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately.

COLLECTION BUREAU OF FT WALTON BEACH # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$430.00} Original Creditor : XXXX XXXX XXXX Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$400.00} Original Creditor : XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type XXXX Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX XXXX Amount : {$2000.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I used to travel alot for work before covid. While viewing my credit report I noticed that this issue is still on my credit report. This account doesn't belong to me. I would like it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
I recently withdraw Bitcoins ( BTCs ) to be sent to my account on Coinbase on BTC address " whitelisted '' according my banks 's ( XXXX  ) procedure. 
- XXXX  requires crypto addresses to be whitelisted before allowing any transaction in/out of the bank - The whitelisting process requires a transfer of a small amount of cryptos from the source address ( Coinbase ) to a XXXX  predetermined address - I executed this transaction on Coinbase transferring the required little amount of BTC - After successful transfer of the above-mentioned small amount of BTC, XXXX properly whitelisted the Coinbase 's address used for the transaction - On XXXX, XXXX I submitted an order to XXXX, so to transfer my XXXXBTCs ( XXXX $ ) to Coinbase into the address generated by Coinbase and whitelisted by XXXX  My BTC never arrived at Coinbase ; asked for support, but still no answer received after several attempts to get one. 
Talking about XXXX $!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CA

Complaint narrative:
Ive submitted 2 disputes with Experian regarding XXXX XXXX XXXX reporting inaccurate information on my credit report. I called Experian on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, Experian hung up on me. 

I didnt make any payment arrangements with XXXX or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.

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 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
On XXXX XXXX at XXXX XXXX  ct I received a phone call from XXXX. A female representative from Medi Credit Inc. I was informed of this call from named of above dept collection company that it was attempt to collect a dept and was being recorded. She asked my name and I acknowledged yes. At this point without verifying who I was with assuming that I was that person and proceeded. She started giving personal information out and about the dept. I stopped her and informed her she was in. Violation of the confidentiality act laws without verifying who I really was. I asked for supervisor and she was denying me that right. I informed her this call is being ended. I called back talked with supervisor to give complaint. Supervisor stated she would handle it but I felt that the supovisor was not going to handle the representative in her violating the confidentiality act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. They continue reporting this debt year after year knowing it is not mine and continue to make threads and damages my military record and my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The account has been paid off and its still reporting on my credit. I spoke with the creditor and they said that it would be removed from my report and its still reporting 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 2021-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D. SCOTT CARRUTHERS
State: WI

Complaint narrative:
This is tied to complaint : XXXX-XXXX  and XXXX-XXXX  The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with XXXX  as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from XXXX  was disconnected ( according to the XXXX  rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of 2021. Lies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
XX/XX/XXXX I received a loan modification from XXXX XXXX XXXX ( BOA ) with the trial period of 3 payments of {$2300.00} to be paid ( XXXX, XXXX, XXXX ) After the 2nd trial payment had been made I was informed by BOA that the loan would be transferred on XX/XX/XXXX to XXXX XXXX XXXX and all terms would remain the same and that I would have to pay the third trial payment to BSI. Which I did. I made mortgage payments to XXXX until XXXX XXXX loan was transferred again in XX/XX/XXXX to Fay Services ( FS ) who refuses to honor the original modification from XXXX. I made payments to FS from XX/XX/XXXX to XX/XX/XXXX and was constantly being told I was making partial payments. As a result of this situation I have been forced into bankruptcy to try to get this resolved ... .even up to present ... FS also would not provide my monthly mortgage statement to me or my credit union to help me with the financial situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: AL

Complaint narrative:
I never received anything from this company ( ASSETCARE LLC according to XXXX  ). The report says the original creditor is " XXXX XXXX XXXX XXXX '' in which I'm not sure what health organization that is but I do reside in XXXX Alabama. I have not had any procedures or treatment done and do not understand this collection for {$1400.00} when I have never even received billing ( because I haven't had anything extensive done ). I feel like it is some type of Medical scam. I filed a dispute with XXXX  in which the result came back as " Accurate as verified by filer. '' which I find concerning. It seems like " one word over another ... ..just because ''. It's accurate because they say so? I ask for proof of some sort. If the CFPB reviews my credit report it will show that my wife and I have NEVER missed paying on anything we owe. I will let this process take it's course before seeking legal counsel. I'm not going to be victimized into paying for something from a collection agency that I know doesn't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Direct Mediation
State: FL

Complaint narrative:
Someone named XXXX called. He did not say which company he worked for. He stated this is a final attempt to complete processing paperwork. He said due to my negligence in responding, I will be reported as non-compliant. 
He never mentioned who the debt collector is or the amount of the so called debt. 
I do not have outstanding debts. All of my credit cards are current. This person is harassing me and my family as well. Apparently, he is calling anyone with my last name or anyone who is connected to me. My former mother in law, my sister and brother-in-law, my ex-husband. This is harassment for a fictional debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries and collections. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report that reflects a credit card with {$4000.00} charges. Due to the interaction and issues with the card, I would not use the card. After 10 years, I did not remember the card with a XXXX balance until XXXX. However, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX manipulated information to extend credit reporting history. In additional, XXXX appears on my XXXX Credit Report but sold the account to Elan Financial fraudulent charges for collection. On my XXXX Credit Report, Elan Financial Services added the same derogatory information to force me to pay the fraudulent charges. I have made any payments to XXXX XXXX, XXXX nor Elan Financial Services there should not be a payment history. Due to their unethical way of keeping the credit card fraudulent charges on my credit reports, theyve manipulated dates, payment history, closed dates and the creditor thats holding receivable. It has been over 7 years for the credit card anyway and should have been removed from all credit reports in XXXX or XXXX. Again, manipulating dates and payment history extends their credit reporting ability.

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
The account has been paid off and its still reporting on my credit. I spoke with the creditor and they said that it would be removed from my report and its still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) XXXX XXXX reporting without my consent is considered unauthorized use of my credit card, social security number

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