vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

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 2020-02-29 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:
The account listed and inquires were not done by myself. Please delete immediately.

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 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I personally went into the office of the XXXX XXXX XXXX XXXX XXXXXXXX, and was told that the request to reconnect services at my old address did not indeed come from my email and therefore the balance was not owed. 

However, a few months later this account appeared on my credit report, with no written notice that I even owed anything. The deposit I previously had, had covered the bill in full up to the date of termination that I occupied the residence. Please see the attached eviction, as confirmation that I no longer occupied the premises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NY

Complaint narrative:
I write once again to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

This year, the problem is with my sons credit report request. He requested his free annual credit report using the toll free number XXXX XXXX XXXX on XX/XX/XXXX. After allowing the required 15 business days to pass, he called the Equifax support line on XX/XX/XXXX, and was told that his file did not have sufficient data and he should send copies of his social security card and drivers license through the mail so that Equifax could fulfill the request. 

This makes no sense as the other services that provide credit report information ( XXXX and XXXX ) have been providing my son with his annual credit report ( as required by law ) since XXXX without any problems. 

I had a similar problem with my Equifax credit report request in XXXX, when Equifax did not send my requested report. ( Similar to my sons situation, I requested my report on XX/XX/XXXX, using the toll-free number ). Equifaxs excuse for not sending that one was that they never received a request for my credit report. They only sent me my report after I wrote a complaint letter to the CFPB ( complaint number XXXX ) in XX/XX/XXXX. 

This has been a continuous problem with Equifax, as they have failed to fulfill a request for an annual credit report from one or more of my family members each year since XXXX. Ive only complained last year ( and again this year ) since I have noticed that Equifax routinely fails to adhere to the law and fulfill these requests ( while all requests to the other credit report agencies have been fulfilled without any problems ). 

I am again filing a complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter. 

I also believe that the CFPB should investigate the reasons why Equifax seems to have such trouble fulfilling these requests while the other credit report services dont have any issues. 

At the very least I would like to see Equifax issue my son the annual credit report ( as required by law ) that he requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to XXXX. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.

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 2020-02-29 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: FL

Complaint narrative:
The account listed and inquires were not done by myself. Please delete immediately.

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 2020-02-29 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:
The account listed and inquires were not done by myself. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: CA

Complaint narrative:
I had made a payment agreement with D2 Management, LLC and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A security fraud alert was put on my Experian report without my knowledge.I called Experian to find out why a security alert was put on my Experian report.They would not give me any information.I want to know who committed fraud with my credit to put a security alert on my report.I want details

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 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Solar mosaic of XXXX CA opened an account in my name for solar/ home improvements on XX/XX/19 apparently at the request of XXXX XXXX XXXX   of XXXX XXXX CA . 
I never initiated this loan or process. 
It apparently has a balance of {$28000.00}. 
I have never received any funds nor requested them. 
This is identity fraud. I have notified solar mosaic and they are investigating. I have attempted contact with XXXX  XXXX  but have received no response yet. 
I learned about this just 1-2 weeks ago when checking my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I am attempting to make a payment toward my student loans on the Nelnet website today, XX/XX/20, and Nelnet will not allow me to post the payment sooner than XX/XX/20. By the time the payment posts, 2-3 days of additional interest will have accrued and my payments will apply more to interest than is due today, the day that I'm attempting to pay. My understanding was that I could make a payment at any time but this does not appear to be true. The funds are available in my bank account today regardless of whether Nelnet can collect over the weekend. I should not be penalized for this. 

I submitted complaint XXXX in XXXX for other deceptive practices with Nelnet. They have not yet resolved the issue identified in that complaint or contacted me as they said they would in their response. I believe this new issue is just one more deceptive practice by this company that causes financial harm to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
my debit card along with my wallet and ID was stolen and an unauthorized transaction was made on my checkings account with bank of america for {$1300.00}. i initiated a claim on XX/XX/2019, they then got back to me on XX/XX/2019 telling me that they are unable to pay because their records show the activity was authorized correctly ( which it was NOT ) i then reopened my claim and here we are months later with no resolution. i've called numerous times since my claim has been reopened, customer service assuring me everytime i call that my claim has been escalated, but here we are months later with absolutely no help or resolution. i have called them so many times and no matter what i either get lied to about a date on which my issue will be resolved, or they tell me that i just have to wait. it has been months and my money has been stolen. bank of america refuses to help me at all.

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 monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Consumer ID : XXXX 1 ) XXXX XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # XXXX Dear Sir or Madam : It's definitely frustrating to be charged for something you believe isn't fair. I am writing to dispute a billing error in the amount of {$0.00}, {$910.00}, {$730.00} on my account. The amount is inaccurate because I believe my consumer report contains inaccurate information. I would like to submit a dispute of that information to the checking account reporting company. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ use this sentence to describe any information you are enclosing, like Consumer Report supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-02-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc.
State: TN

Complaint narrative:
In 2013 I was told by XXXX XXXX XXXX that my second mortgage debt would be cancelled after my loan was modified. XXXX XXXX XXXX then transferred servicing of my mortgage to XXXX. XXXX did not complete my mortgage modification agreement with XXXX XXXX XXXX. XXXX charged off the second mortgage. XXXX owned company Veripro is now attempting to collect the charged off mortgage. 
First, the mortgage should have been cancelled and not transferred from XXXX XXXX XXXX. 
Second, I have communicated with both Veripro and XXXX that I do not agree to the debt they claim is owed. I have requested an itemized calculation for the said debt and have not received it. Veripro sent me a transaction history and loan documents. They did not provide a break down explanation for the amount they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: AZ

Complaint narrative:
I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to Experian. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.

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 2020-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2019, I went online lokking for a car I went to XXXX XXXX XXXX and spoke to XXXX and XXXX they scammed me into getting a XXXX XXXX with cat hair in the back. They tiik {$600.00} from my XXXX XXXX account. I called to take the car back and I spent {$500.00} to get the cat hair out. I took the Car to XXXX XXXX XXXX and had to but cleaning supplies at XXXX XXXX. I paid cash to get the hair out it was in between the seat wear the seat beats were at plus cat urine was so strong. I couldnt get it out. So they placed me upside down in my car loan. I went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX SPOKE TO IN PERSON XXXX AND HE DROVE TO XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX to pick up the XXXX  XXXX XXXX. The car is a flood damaged car. I almost died in the car. XXXX wouldn't cover a flood damage vehicle. I called XXXX XXXX to have it towed to XXXX XXXX XXXX. I went to XXXX XXXX in XXXX. XXXX XXXX has a deal with them. The mechanic told me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ( XXXX ) XXXX. The other scammers are XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. They gave me my car fax and thats how I figured out the miles were turned back.

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 2020-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I had made a payment agreement with XXXX XXXX, XXXX and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.

Company response to consumer: Closed with explanation