vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 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:
In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.

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 2019-07-12 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:
In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.

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 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I paid off {$170.00} to ProCollect debt located at : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX over a month ago and even after I submitted a dispute with XXXX for reflecting that the balance is still owed ProCollect still has not updated my credit report. I was under the understanding that once I paid off the {$170.00} it would be removed from my credit and it's still reflecting that I owe them which I don't since it was paid in full.

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 2019-07-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a subscriber to Equifax monthly 3 Bureau credit monitoring service which costs $ XXXX month. Since XX/XX/2019 Equifax has not updated my report. I have called Equifax numerous times since XX/XX/2019 attempting to get this problem fixed ; despite numerous assurances and many long hours on the phone with Equifax, they still have not corrected this problem. Furthermore, I am unable to unlock my report as well. 

This problem needs to be fixed, my report needs to be updated. 

Also, Equifax needs to refund the monthly charge ( {$19.00} ) for the product they billed me and did not deliver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Back in XXXX of this year 2019, I Have sent a letter to CitiBank regarding a inquiry that was placed on my credit reports and i ask them to please removed the inquiry at once and yet today i received no response back from them.

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 2019-07-12 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: NC

Complaint narrative:
XXXX emailed my bill to me in XXXX and I did not know they were not mailing my bill. When I realized it, it was too late. Im XXXX years old and I have never ever had a negative mark on my credit. Ever! I have completely paid XXXX off and I will never use that card again. I have always been diligent about paying my bills on time and I refuse to accept this ONE negative mark in my credit. Look at my history, I have never been late on anything. If you guys cant work with someone with my excellent credit history, why do people like us bother to try and be perfect with our bills?

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 2019-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
The debt collector is harassing my family. He called me on XX/XX/XXXX and I told him if we can come to an agreement and pay in monthly incriminates and I was told no and they would be sending it to county the following business day I said ok. I mean I cant pay something I dont have. Then he continues on calling me from different numbers and also left my father a pretty threatening message and even told him he would go to court also and my father doesnt speak the best English. He also decided to reveal that he had my fathers social security number and that he would be implicated and sued with myself. Which makes no sense since my father told him to stop calling him and it was my own matter. He then started to say my father raised a bad child and that I was stealing which I was not. This man gave my father a panic attack see that my father has multiple medical issues and I will also attempt to get a lawyer. At this point this man has been so aggressive Im starting to think he is fraud. I also have saved voicemails of the harassment and abusive aggressive language. An screen shots of the multiple calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/XXXX and spoke to one of their management team XXXX XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!! 

Instead of ACTUALLY investigating this on XX/XX/XXXX MIDLAND FUNDING LLC responded to my complaint made via the CFPB portal stating that they could not locate an account for me. HAD THEY ACTUALLY read my complaint and investigated my complaint they would have found that the account that was fraudulently opened was done so UTILIZING MY SOCIAL SECURITY NUMBER WITH A DIFFERENT NAME that is NOT ME. MY CONCERN IS THE FACT THAT MY SOCIAL SECURITY NUMBER IS BEING TOED TO A DIFFERENT NAME THAT AGAIN IS NOT ME THEREFORE OF COURSE YOU WOULD HAVE NO ACCOUNT MATCHING MY NAME BECAUSE I NEVER OPENED ANY ACCOUNT AT ALL!! However, this debt is being reported on MY CREDIT REPORT UNDER A DIFFERENT NAME, THAT AGAIN IS NOT ME!! This is my 2nd COMPLAINT TO THE CFPB I WAMT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS AS THIS DEBT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am afraid my identity is being used to apply to jobs and etc. I would like to see my credit reports from the 3 bureaus recently or see my work history if possible

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 2019-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I co-signed for my grandsons loan and now he is having problems making the payments. The company calls me 4 to 5 times a day and asks me when am I going to start making payments. I'm retired and can not afford to make the payments. My grandson currently lives with me and I'm trying to help him make his payments, but the only jobs he has been abe to get are landscaping which dose n't pay enough for him to afford to live on his own

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Grievance Notice under Clause 20 of the Mortgage & 12 C.F.R. 1024.35 XXXX Loan # XXXX # 1-There is an auction on my property XX/XX/XXXX @ XXXX XXXX XXXX Supreme Court # 2 Wells $ XXXX-I recently found that the Mortgage with Wells Fargo did not have a legal/property/tax-description or tax map information only an address thus making it a void instrument thus making the judgment of foreclosure void which does not allow them to proceed with the auction or any other recourse. Document date XX/XX/XXXX recorded XX/XX/XXXX ( attached is also a copy of the mortgage with my signature and notarys proper signature that matches the samples I attached in # 5 ). Recorded mortgage states my home is a 2 family it is actually a 1 Family. 
# 3 XXXX $ 313000-also does not have legal/property/tax-description or tax map information only an address thus making it a void instrument also. There is a blank paper with a stamp So in Original various times. Document date XX/XX/XXXX recorded XX/XX/XXXX # 4 XXXX XXXX XXXXwas the notary on both files and was incompetent to the point because of his incompetence they also forged my signature on the Wells Fargo Mortgage {$320000.00}. I would think that he lost the Wells file and then noticed that he didnt record the XXXX file so or the investor signed my name on the Wells file. 
# 5 XXXX- samples of signatures from State and court cases (  he is also an attorney ) they are different from the signatures on the mortgages. They dont match at all. I believe someone was signing for him # 5 Deed with the proper legal description XX/XX/XXXX # 6 Samples of my signatures during XXXX # 7 Notes # 8 Limited Power of Attorney naming XXXX XXXX -I had been in the mortgage industry prior to this foreclosure action ( I had a massive XXXX ) for approximately 20+ years as an FHA Underwriter and a loan originator. In my training I know what a Legal Name is. If you look at the mortgage with my proper signature you will find I inserted my middle initial A where needed. In the XXXX XXXX loan, it was done beforehand. Also, that if you sign in the wrong place it could void any legal document. 
-The attorneys involved have submitted to the courts documents that are of a Fraud and Forged documents that they and the banks knew of beforehand but completely ignored to proceed with this foreclosure. 
-I plan litigation under the following thus far ; 1 ) 18 USC 1341 : Mail Frauds and Swindles 2 ) New York Penal Law Article 170 : Forgery 3 ) Notary Fraud 4 ) NRS 357- Submission of False Claims to State or Local Government 5 ) Quiet Title Action 6 ) Fraud upon the Court for Perjury by Attorney for the Plaintiff And any other legal means that will be available to me to protect my home.

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 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I went online and paid my mortgage XXXX with XXXX. Unbeknownst to me they sold the mortgage and on XXXX the new company, New Rez, debited ny account ( I didnt realize this at the time ). Then in late XXXX I received a letter saying the loan was sold and to contact new Rez. Only XXXX I created log in and set up 1 time payment. Only XX/XX/XXXX I went to buy groceries and debit card was declined as they ( new Rez ) double debited me. I never authorized them to set up ACH, nor did I have ACH with previous company. I was told I would have refund in 3-5 business days and after 6 calls and 10 days later I still dont have my money. Im beyond upset as I needed that {$1000.00} to pay other bills and buy groceries. I am so upset! I also called Monday and was told I would have it at the end of the business day ( day 5 ). Today is day 8 and nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This company only made one attempt to notify me about this debt over the phone about 2 months ago. I have yet to receive anything in writing from either them or the primary company that was handling this account which is an apartment complex I moved from last year due to poor/ lack of management. The apartment complex never sent me a final move out statement even after I made multiple attempts to get that information. I even went down in person twice and spoke to a manager who has yet to return my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I have a collections account for equipment I did not return. I have returned the equipment now and got all my receipts showing that my account was paid in full before it was closed the only thing I owed was the return of equipment and now they are still trying to charge me for the equipment I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I check my credit and it showed the XXXX XXXX of XXXX the name of the collection is IC system. Someone use my social security and receive XXXX XXXX in XXXX XXXX Texas. I dnt live there so, please I want it off my credit report. This is the account number XXXX. I should get it off because I did not do this debt. I have not able to get anything because of this debt and another one that it is called a school loan the name is XXXX I did not go to school please check on that one to. Thank you XXXX 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 explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: EXCEL FINANCE COMPANY
State: LA

Complaint narrative:
The company is fraudulent. They will take your information and falsify it in order to get a loan approval. The manager told me incorrect information about my job 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 2019-07-12 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: Premium Credit Bureau
State: CA

Complaint narrative:
On my credit report there is a XXXX XXXX  XXXX second mortgage account that shows as being a charge off, which is incorrect. This loan was refinanced by XXXX in XX/XX/2013 it was not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter stating I was to receive a refund if my escrow account of {$2400.00}. I have always made my payment within the month due. If you pay your payment on a weekend, 5/3 Bank does not recognize it until their next business day, so the date you actually make your payment is NOT correct! Fraudulent! They state on invoices I am behind on my payment which I am NOT and therefore refuse to give me my escrow refund of {$2400.00}! 
I want my money immediately. Their customer service is like talking to a brick wall. No help at all. They state per my statement I owe {$6300.00} and I only owe My XXXX payment of {$2700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I think I made this loan with loan Star Title since maybe, XXXX Or XXXX of XXXX ... today, I'm still paying 320.4608 % on my 2009 XXXX. For months I have to XXXX and somethng a month and still doing. I thought as my bill, gets lower, the interest too would be lower. No, maybe a dollar or two goes down each month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Today XXXX/XXXX/2019 I set up an international transfer I wanted to transfer {$14000.00} BUT the max was only {$1000.00} without XXXX The transfer fee for the {$1000.00} was {$35.00} ( 3.5 % ) If I have to do 14 of these transfers it will cost me {$490.00}!!! 

BUT I can't use the mobile phone APP to increase the {$1000.00} limit because the XXXX   wont accept my XXXX mobile number XXXX How can I solve this???

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 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX 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 explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 2 ) That all correspondence be by d irect mail to my home or by email t
o XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX 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 explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NORTHERN OHIO INVESTMENT COMPANY
State: FL

Complaint narrative:
I'm paying a debt with XXXX XXXX. I have all the receipts but the collector affirms I'm not paying it even I have the receipts. He calls me every single day saying he's going to sue me and report me to credit bureau. And every day he send me 2 letters in my mailbox YOU WILL BE REPORTED TO CREDIT BUREAU, WE ARE GOING TO TAKE LEGAL ACTION. If I'm making the payments why this person is saying I'm not? Why he's threatening me? So as of today I stop paying because he's allegations are I'm not making the payments so, is like I'm wasting money. He algo sent a letter that says the balance of the debt is going to raise to the original amount no matter how much I did payed in the past. He's harassing me and my wife for the Las 11 days. Non stop calls and letters every single day. He's harassing my wife, a person who has XXXX  problems and XXXX XXXX. This isn't the way to treat no one and this have to stop. And to not forget to mention, this person calls and screams at me on the phone and use bad language against me and my wife.I will provide here the name of the collector and the agency. 
Collector : XXXX XXXX Phone number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.

Company response to consumer: Untimely response