vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NE

Complaint narrative:
Over 2 months ago I demanded validation of the debt that AFNI is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Both Commonwealth Finance and XXXX XXXX XXXX are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of Equifax. For some odd reason, Equifax is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NE

Complaint narrative:
Over 2 months ago I demanded validation of the debt that PROFESSIONAL BUREAU OF  Collections is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery collection service calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour.

In fact, I just got that call back typing this ...

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: NE

Complaint narrative:
Over 2 months ago I demanded validation of the debt that MARS INC is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018, I received a credit denial letter in the mail from Chase after I had been approved for the mortgage loan and in Escrow for a home. At escrow closing, I heard nothing from Chase or my loan adviser, XXXX XXXX, who became increasingly difficult to get hold of during this time. We needed to file for an extension so the underwriters could start doing what they should have already been doing. Finally, when the credit denial came in the mail, I asked that my {$500.00} good faith funds be returned to me, as it states in the mortgage contract should happen. I have been calling and emailing my loan adviser, XXXX XXXX, her supervisor and Chase customer service since the credit denial was issued, and I have been given the run-around for over 6 months being told different things. If I wasn't completely ignored, then I was being told Chase would send me the check within 10 days or that they still needed my address ( I have given it to them 3 times as requested ), or that they are waiting for an approval or have to refile for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I am a co-buyer for an account with Carrington Mortgage ... Carrington continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
I checked my credit report.The reports shows debt of $ XXXX.To XXXX XXXX.contact Erc collectionsXXXX.I call.onXX/XX/XXXX.Noone can find acct.I say not mine.XXXX ( agent ) says email state Id & ss card to ERCBPO.COM.XX/XX/XXXX XXXX XXXX/o pres.replies : acct.temp closed while we investigate.I gave my address, phone, ssn to XXXX.Address for bill is XXXX XXXX XXXX XXXX.XXXX  tx.I never lived there.Ive been in contact with XXXX XXXX, Executive Director XXXX.His asst.Mr.XXXX could not find an acct for me at that address XXXX XXXX XXXX XXXX.He 's mailing me proof & fraud alert.Now XXXX wants me to fill out a " fraud packet '' of notarized paperwork & proof of addresses where I lived at. The bill XXXX & ERC says I owe was XX/XX/XXXX-XX/XX/XXXX.I say I have Ok.State ID since XX/XX/XXXXand voter ID.XXXX.No, they say they want bank statements with addresses & my recent photo id.I gave collection agencyrecent photo id & SSN card.by email.Im feel uncomfortable sending bank statements.I made Identity fraud alerts with the credit reporting agencies.I filed a identity theft report.When Ms XXXX  put temp stop on collections I don't owe, it came off my report somehow.but lady at XXXX Fraud dept says if I don't do all that is in XXXX Fraud Packet and get it notarized it will be back on report.I gave my id already.Im XXXX.Im walking up and down hills a mile to the library for a debt I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour. 

In fact, I just got that call back typing this ... 

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
My mortgage was sold to M & T bank without my knowledge in XX/XX/2019. XXXX failed to keep me informed of the sales. I called XXXX for months in an attempt to pay them and I was told that there " was a problem with my bank app, someone will get back with you ''. Finally, in XX/XX/2019 I was told by a XXXX employee on one of my many calls that my loan had been sold. I immediately requested a copy of the letter they claim to have sent me. I then confirmed that they had incorrectly recorded my business mailing address, which could be why I never received any kind of notice of the sale ... Never mind that they had 3 different email addresses on record that they failed to use to contact me. After multiple requests I finally received a written notice that my loan had been sold via email on XXXX and because I now had a name and number for my new mortgage company I called right away. 

The man I spoke with verified that M & T had my correct email, and home addresses and a XXXX XXXX XXXX use for business ( they were one digit off actually ). He gave no reason for why M & T Had not tried to reach me. 

When I asked for a loan number, he said customer service would reach out. They sent a letter that I recieved at the house today, XX/XX/XXXX, dated XX/XX/XXXX. The letter is saying I'm now in default. 

This is the first correspondence from M & T with any info like a loan number. 
Last week I got an invite to sign up for on line banking with M & T. There was no way to make a payment without a loan number. The XXXX XXXX loan number was not working. 


Today XX/XX/XXXX I finally have the ability to make a payment on my loan.

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 2019-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
Since the start of this loan I have made a {$49.00} principal only payment to the loan. That additional principal only payment isn't applied to the loan until sometimes 2-3 months later. I have contacted Nissan to explain to them what is happening on at least 3 different occasions, with the last time most recently. They told me they don't have any records where I have made principal only payments and requested I send them proof that made principal only payments. I sent them copies of cancelled checks where I have made such payments and haven't not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: WY

Complaint narrative:
I contacted Collection Professionals Incorporated by mail on XX/XX/XXXX regarding money that I allegedly owed. I stated at this time that I believed the debt was not valid. I received additional documentation of the debt. I contacted the company on XX/XX/XXXX to dispute the charges. XXXX, the office manager, stated that I hadn't paid for services rendered. I stated that this was incorrect. She pulled the file and said that the debt appeared to be related to an employment dispute. She said that she would contact the other party and get back to me. I have a contemporaneous memo regarding all of this. I never heard anything. On XX/XX/XXXX I was served paperwork regarding a civil suit for this matter. Upon speaking with the company on XXXX XXXX, I learned that XXXX documented on XX/XX/XXXX that the debt was verified, which was blatantly false. I have contacted the attorney to notify them of my intent to defend. However, the company has also reported this collection attempt to the credit bureaus. Therefore, I also allege that this constitutes abuse, as I was reported for debt that hasn't even been verified. Lastly, I have also been charged limbo and additional legal fees during this time where I was in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I have repeatedly tried to work out a payment plan with Bonneville Collections in XXXX, Washington. The same woman has repeatedly called me harassing me for money I can not give. They tried to make an arrangement with me over a month ago for over {$200.00}. I explained that all I could give was {$100.00}. This woman kept saying I was trying to deflect my problems, questioning what my parents spent their money on when she asked why I couldnt just borrow money from my family, threatening garnishment whenever they want to Today she called to follow-up and I explained that nothing had changed this month and still all I could give is {$100.00} a month. She said she was trying to do me a favor by helping yourself fix this problem. She lied about details we spoke about in our last conversation that never happened. Finally she said that I could send in {$100.00} a month and they would maybe apply it to the debt. I asked if sending the {$100.00} in would be considered a payment arrangement so they wouldnt garnish me. She responded, Absolutely not. I dont know if its illegal to continue a garnishment if payments are being made, but the cruelty and level of harassment left me sobbing a second time. The total owed is {$900.00} which means I would pay it off in 9 months. They are absolutely unwilling to work this out and I have no other funds to provide them with, which I repeatedly explained to this woman. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received an email from Caine-Weiner saying that I owe them {$150.00} for a debt that is 'past due ' I tried to let them know that I am not a member of this business and that I do not have any legal rights to this company, they might be contacting the wrong person. I asked for some information about the debt, any kind of media or anything that I can use to verify if this is in fact my responsibility. After this request, another lady, XXXX XXXX replied to me telling me " The Secretary of State website is still showing this business as active and therefore the amount owing is valid '' I told her that I don't think it works like that, she sent me a screen shot of the Secretary of States website as proof that I owe this debt. again.. I dont think that is right. 

XXXX XXXX started to fight with me over email, sending many emails to me. She told me " As a collection agency we do not have to provide you with proof of debt '' Again, I dont think this is right either.

This company has called my phone no less then 10 times yesterday and again today. they will not provide me with any information that I can use to verify that this debt is real and at this point they are harassing me about a debt that they will not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
Company Zwicker and Associates has made multiple attempts to collect a debt that is not mine. I have made multiple attempt to get the paperwork to determine the origin of the debt and they have refused to send the proper verification

Company response to consumer: Closed with explanation