vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I mailed a request to United Recovery Systems who is now Alltran Financial requesting that they prove the outstanding debt to me. I requested the following list of documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide me with copies of the original application ; Provide me with copies of any identification on file ; Provide me with copies of signatures on file ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

What they mailed was a copy of statement and nothing else. I called back on XXXX/XXXX/2016 and spoke to a Manager XXXX XXXX. I explained the situation and he stated that he will follow the requested to his manager. When I asked why have n't they given proof of debt or answer my request he could n't give me a straight answer. We he kept insisting was that if was I was saying that I did n't initiate the debt. But at now time would he give a straight answer. I asked him if they were Licensed and Bonded in the state of FL and he was n't sure if he had to give me that information, I stated that I have the right to know that they can legally collect money in the state of fl. Long story short I have been paying on an account that I do n't even know if its my, I never see that the balance decrease any and when I start to ask questions I do n't get straight answers. This company has failed to honor the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my legal right request.

Company response to consumer: Closed
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: MA

Complaint narrative:
Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MN

Complaint narrative:
I have made numerous attempts to obtain a verification of mortgage ( VOM ) from my lender Seterus , Inc . I need this information so that I can refinance the loan. This loan was dismissed in a bankruptcy proceeding but is still being serviced by a Seterus who calls themselves a " debt collector ''. They are apparently not allowed to send me a mortgage statement but state they have a lien on the property? I have continued to make payments on this loan but would like to refinance it so that I can begin to rebuild my credit and take advantage of the lower interest rates. 
The bank that I am working with has already approved a loan for refinancing. They have been trying to assist me in obtaining this last piece of information which is required in order to make the refinance file complete. Both the bank and I have called Seterus numerous times and each time they say the document was requested and no request can be expedited so each subsequent request will take up to 7 days. We have been trying to get the VOM since XXXX and it is now XXXX XXXX, 2015 and still no document has been faxed or mailed and we have been told they do not email documents. I am not sure what is happening but at this point Seterus is either intentially not providing this information or they are truly grossly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: OH

Complaint narrative:
I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. 

Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CA

Complaint narrative:
The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. 
I have no business with J.C. Christensen or any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: NJ

Complaint narrative:
I am receiving calls from the Focus Receivables Management Group. 
The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Denovus Corporation, Ltd.
State: OH

Complaint narrative:
Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: MI

Complaint narrative:
We keep getting automated calls from a " debt collection '' company called FOCUS RECEIVABLES MANAGEMENT. They tell us to call a number, which is XXXX, but we do n't bother because we do not owe any debt. We do not want to receive calls from this company. If they are collecting debt, they are not very good at it. If they are not, they are scammers and need to be dealt with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company
State: NY

Complaint narrative:
I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc
State: DC

Complaint narrative:
The medical debt was paid by my XXXX XXXX last year. 
They keep trying to get more money. Its a debt that was paid last year. I called the office on XXXX XXXX 2016 they had wrong dates for service, I called my Insurance Customer service, they called the debt collection office spoke to a preson, because they never filled a claim for service to my health insurance company. 
said they had never mail any claim for the service on the days they on the collection letter. She told them to submit the claim to there office. They called me today asking for my address and date of birth, my insurance company gave them my Imformation on XXXX XXXX, 2016.

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 2017-02-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Bureau needs sanctioning and monitoring consistently. We have inquired an inquiries and nothing done this bureau suggested you the consumer to contact the Inquiry Companies When it is the bureau to remove them when you call the companies they all suggest bureau removal when Fraud Alerts are filed. We get No where with Equifax they delay removal and refused to delete even with Court Ordered Removals. We are XXXX and look for your help to correct this report and STOP this bureau from doing nothing more than VIOLATING the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Have disputed attached items over and over and still get the same old generic letters stating they have been verified. I want verifiable PROOF that they have been or I want them deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, Equifax, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have certain companies that say I owe money, and I never heard of these people and I lost my wallet 4 years ago. I know someone else is useing my identity ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CORELOGIC INC
State: MI

Complaint narrative:
I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas.

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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It is time for my daily complaint with Equifax because they are breaking the FCRA and the CFPB seems to be doing nothing. On XXXX XXXX, I talked to XXXX, XXXX XXXX XXXX, and XXXX XXXX, all XXXX said their investigations are not complete and nothing was reported to Equifax , meaning they are lying about verification. If the have verified my information then I want Equifax to attach a copy of the verification to their response of this complaint, something I have asked before and they have refused. Might I also add that the XXXX XXXX XXXX account is attached to an unknown name and said it was charged off with someone using my wife 's maiden name in 2014, I have sent proof that her account with XXXX XXXX XXXX was changed to her married name yet Equifax ca n't seem to grasp this concept. Next, XXXX is a fradulent account but let 's put that aside, this debt was discharged in a settlement agreement signed by their representative, that I have also provided and was allowed to do so for financial purposes. TransUnion has actually done an investigation and found all XXXX of these accounts fraudulent yet Equifax seems to be lying or have proof that TransUnion could not find. You must have to have a XXXX to work at Equifax. I am again sending my proof for XXXX XXXX XXXX and XXXX but I 'm sure Equifax will lie and say these debts are verified and the CFPB will allow them to trample on my rights. Also, Equifax should have received my bill for my contracted services, I never asked to do business with Equifax and though they never asked to do business with me, I am still charging my hourly wages ( 12 hours a day, 7 days a week ) as well as lost sales revenue since they are the cause of this and I have them a discount at {$20000.00} dollars. I meant what the letter said, this line of credit will be reported to XXXX as either paid or unpaid on all XXXX numbers found for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed a chapter XXXX bankruptcy multiple times with equifax. My public record on my credit report show XXXX chapter XXXX cases. My chapter XXXX case was transferred and reassigned a new case number. Sent equifax the legal form from the federal court building stating it was transferred and the previous case number no longer valid. I call the federal courts and they agreed it is correct. I should only have XXXX chapter XXXX case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account still showing as open but I paid the balance a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax by phone and by mail several times now since getting a judgement against them. Please see the two letters attached. 1 is what I sent them and 2 is what they sent me back. I think words like negligence come to mind based upon their response. They seem to think I 'm disputing a judgement on my credit report when in fact I am tryting to collect on XXXX that they owe for {$620.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In XX/XX/XXXX, I defaulted on XXXX properties in Arizona. The mortgage on XXXX was held by XXXX XXXX. They foreclosed, sold the property at auction, and closed the loan. The loan shows as foreclosed and closed on my credit report, balance due XXXX. All good. 

The XXXX property, my primary residence, mortgage was initiated by XXXX XXXX and is now held by XXXX Bank. They foreclosed and sold the property at auction for {$330000.00} on XXXX. 

However, the loan still shows active on my credit report, for the entire original balance of {$510000.00}. The report shows a $ XXXX monthly payment due, XXXX years in arrears. Additionally, I still get collections calls and letters. It is my understanding that XXXX Bank has no legal right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. Experian helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX 's report. However, after calling XXXX and Equaifax, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Account # XXXX for XXXX was official discharged on XXXX/XXXX/XXXX and Equifax continues to state that the creditor has reported to them that the account status as of XXXX XXXX, XXXX is 120+ days past due. When I contacted XXXX they indicated that they have not reported on that account since XXXX XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about 16 times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be 120+ days past due as of XXXX if I no longer owe on that account?

Company response to consumer: Closed with non-monetary relief