vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
I have made the attempt to have " ARS '' Account Recovery Services Inc. Validate the alleged debt that they say I owe. 

They are in clear violation of the F.C.R.A., and F.D.C.P. title title 1692 -1692p of the United States Code FDCP tile 809 and the 1974 privacy sec 552A.. This is not a refusal to pay but a demand to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This company is Convergent Who collects third party debts, they repeatedly calls my husbands phone, which is a work phone number. I called them back on my private line, said they were asking for my son. I know he's owed a XXXX bill, but he is XXXX and is unable to work, at the moment. I demand PER the FDCA, that the phone calls be stopped INSTANTANEOUSLY!!! they don't leave a message when they call either. This number is my husband 's BUSINESS PHONE NUMBER. So LEGALLY you do NOT have the right to contact my husband 's job, for my son 's bill!!! You will be getting a cease & disest letter in the mail, if you keep contacting that business line. I will sue you for harassment. 

.

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 2019-08-01 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: NV

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX   XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX  XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.

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 2019-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Experian responded to my original dispute regarding unauthorized inquiries, report number XXXX but did not dispute XXXX XXXX XXXX inquiry posted on XX/XX/XXXX. Which was part the initial inquiry dispute letter sent on XX/XX/XXXX via USPS tracking number XXXX XXXX XXXX XXXX XXXX received XX/XX/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 2019-08-01 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: NV

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.

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 2019-08-01 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: NV

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXXXXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX   XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XXXXXX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX   XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
First I noticed that my cell phone does not work anymore so I called XXXX to find out that my cell phone number got transferred to XXXX without my approval. when I tried to open my e-mail account someone has changed my password which I tried to reset so many times.I called Fifth Third Bank to let them know about this suspicious activities to find out that my account got hacked. Someone transferred {$2000.00} from my 5/3 bank credit card to my 5/3 checking account and then the money was sent to someone's XXXX account without my authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My wife and I rented out first home to a family that experienced a financial hardship ( medical and unemployment ) XX/XX/XXXX. We contacted SPS concerning the payments and informed them of the lack of rental income. We filed a RMA as suggested for a short sale of the property. We were approved in XXXX after completing all the documents. The realtor was appointed by SPS that we contracted with. XX/XX/XXXX a contract was signed and slated for closing late XXXX. When the time came to close the realtor informed us that SPS had denied the Short Sale because the RMA needed to be applied for again. The docs were completed once again. We have had at least 4 closing dates that have not come to fruition. Each time a phone call has been made, there is always different information that is conveyed. The realtor has worked with SPS on several short sales and this by far was her worst. She has constantly received the run around with them also. The amount of the sale would cover the balance ( including the excessive interest that was tacked on ). But their findings was that the house was worth more according to their drive by  assessment. A foreclosure was scheduled for XX/XX/XXXX at the same time we were informed of a closing date of XX/XX/XXXX. Two days later after receiving certified mail from attorney stating date of foreclosure SPS mailed a letter that the house was taken out of foreclosure. The realtor was waiting for one form from SPS so that the house could go to closing. After calls were made on XX/XX/XXXX we were informed that the house is slated for foreclosure once again XX/XX/XXXX. When we inquired about modifying the loan ( which has a rate of almost twice the National average 7.9 % ) we were told that there were no more options other than bring the past pmts current of {$15000.00} or the payoff of {$150000.00}. The contract from the buyer was {$150000.00}. When asked reason for the denial, the only response is that the investor made a business decision. We truly dont understand the reasoning for all the back and forth for over 7 months. Each time we speak with a relationship manager there is no resolution. We believe that SPS wanted the home to be foreclosed so that their business decision would generate a uptick on the sale ( in an area that has recently seen new homes construction in the mid to upper $ 200s.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Hello, I am writing & complaining about, " XXXX XXXX   Company '' ... 
This company did insure my vehicle in the past. Opened file auto insurance showing XX/XX/2018. I decided to not continue having my longer vehicle insured by this company " above mentioned '' any longer!!! Decided to go with another insurance company!!!! 
XXXX XXXX Company was notified of this in a time frame matter before another bill was to come at me. XXXX XXXX Company are also able to communicate with other companies to work with the customer and find documentation in system or even DMV for their own records to be updated and not assume & submit wrong information. However did not seem to be completed or done by them, due to me getting my credit score lowered and fausly accused of non-payment or a remaining balance of [ XXXX XXXX XXXX XXXX XXXX dollars ] This has been submitted, opened and now sent to COLLECTION. 
THIS HAS IMPACTED ME & MY FAMILY, FINANCES MENTALLY, EMOTIONALLY, & PHYSICALLY EVEN PUTTING A STOP OR HOLD ON MY DAILY LIVING FOR A FUTURE AND DELAYED PROGRESS IN LIFE! 
I AM URGENTLY ASKING FOR ASSISTANCE, GUIDANCE, HELP FOR THIS TO BE FIXED. I DO NOT OWE " XXXX XXXX Company '' ANYTHING & THERE IS PROOF TO BE SUBMITTED AND REVIEWED IN A CORRECT MATTER!!!!! PLEASE LOOK INTO THIS FALSE AND MISLEADING NOTICE THAT IS ON MY RECORD. 

THANK YOU,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MT

Complaint narrative:
I opened an account with Transferwise ( www.transferwise.com ) In XX/XX/XXXX and made one funds transfer from the U.S. to XXXX that worked correctly. I did nothing further until XX/XX/XXXX when I received an email from Transferwise stating " You can only have one account with TransferWise. So we deactivated the other account you had with this email address. '' Alarmed that someone had accessed my account that is linked to my bank account, I tried emailing the company per their instructions, demanding to know why they would allow a second account to be opened using my email address. But they never responded, and my account remains " deactivated. '' Consequently, I have no idea whether someone has access to funds in my linked bank account.

After reading hundreds of similar complaints on consumeraffairs.com, I do not want to have anything further to do with Transferwise anyway. But I do need to know that my account has been properly closed, that no one is using my email address to access a duplicate fraudulent account, and that there is no linkage to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
An attempt was made to pay my mortgage on XX/XX/XXXX at XXXX EST via Flagstar.com 's online loan servicing portal. Flagstar restricted my ability to make a payment prior to the end of the month. A message was shown that my account was ineligible to use one-time online bill pay. This happened approximately one year ago as well. This restriction prevents customers from paying their mortgage and incurring additional late fees.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've reached out to Equifax regarding this account. I've contacted FTC. I've contacted XXXX XXXX. This account is entirely inaccurate and shouldnt be listed on my credit report. I have no obligation to this account. Furthermore, Equifax never notifies of the results or provides investigation procedures when requested. Im highly disappointed in this situation and the system that allows for this. Equifax is the only company that does not thoroughly investigate into the account and continues to report inaccurate data monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had my identity stolen for this and other pay day loans and taxes. It should also reflect in my personal social security information. Ive had the other pay day loan companies remove from my credit profile but Speedy Cash is very persistent. I also Im given a PIN number to file my taxes every year because of this. Ive tried for years to no avail and is hurting my opportunities to get mortgage and extended lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/19, I sent a payment via Paypal. Per Paypal 's fee schedule, the fee for sending money for goods and services in USD is 2.9 % plus XXXX cents. I was paying a vendor {$100.00}, so 2.9 % of that is {$2.00}. Add XXXX cents, the fee total is {$3.00}. So I paid {$100.00}. However the vendor showed me a screenshot saying he ended up with only {$99.00}. Paypal took an additional XXXX cents on top of what they're supposed to, an almost 1 % overcharge. This caused a debate between the vendor and I, when neither of us are at fault, it's Paypal taking more than their share. This probably happens to a lot of customers and Paypal makes a killing off of these overcharges. I tried calling Paypal but their offices are closed. Will try again another time, but CFPB should be informed and I hope you can help nudge them to do the right thing. Thanks.

Company response to consumer: Closed with explanation