vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
In XX/XX/XXXX, I was seen at XXXX XXXX medical. For services rendered my insurance company at the time had issued a check XX/XX/XXXX ( See attached document ). XXXX XXXX 's incompetent accounting abilities sent this to a collection agency Wakefeild and Associates. I have made repeated attempts to show a copy of the check to Wakefield ( The attached document ). Wakefield has since reported this to all three credit agencies. I have been able to show to 2 out of the 3 agencies that I was not owed this debt and they have removed it from my account. The reason I have not been able with the third is due to their website failing to upload the document. Today XX/XX/XXXX, I have arrived home and there were court documents on my kitchen table. They are from Wakefield and Associates trying to sue me in court. I have copies of correspondence between the insurance company as well as a copy of the check that XXXX XXXX received that payed off the debt.

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 2018-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Specialists, Inc.
State: KS

Complaint narrative:
XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from XXXX XXXX with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX XXXX part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: IL

Complaint narrative:
DriveTime XXXX XXXX and its financial affiliated, XXXX ( owned and operated by DriveTime ), financed me a used car. The car has numerous problems that were hidden from me during the carnival-like process of showing off what is not wrong with the car. I have made numerous attempts to contact BOTH Drivetime and XXXX. The result has been time consuming and without results. 
I have never missed a payment, and I have zero delinquencies, and I am not asking to break the lease. I am asking for what Drivetime advertises : the opportunity to modify or extend the loan agreement, so that I do not fall behind or violate the terms of our agreement. Drivetime XXXX XXXX and its financial affiliate, XXXX, do not wish to discuss the advertised options on their website. Are they guilty of false advertising, or unethical business practices, or both? 
The only time I receive contact from Drivetime is to remind me that my payment date is approaching, not that it is late, but that they want money soon. 
Drivetime may be in violation of a Federal Consent Order that was imposed on them in 2014. 
I am reaching out to Drivetime one last time via email, informing them of their excessive contact and their false claims. I am also ceasing all financial obligations to the company until they acknowledge the situation. 
I will not allow Drivetime to deface my credit or violate the terms of their court order by harassing myself, my references, or my workplace. 
I have made timely payments and asked for help with maintaining our business arrangement. 
They have responded with silence from customer service, excessive payment reminders when payments are not even due yet, false advertising, and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today XXXX-18 : A guy ( whose email and number I have if need be ), tried to sell tickets for a XXXX game to us over the internet. He stated he was at work and would need the money through XXXX. We went ahead and transferred and he never got back to us. After that he blocked my number. XXXX $ XXXX not be a lot for some people but its a lot for me. I attempted to call chase not even 5 min after I realized he blocked my number, and they stated they could not help since I authorized the transfer. They refused to cancel the process before it got to him or he even accepted it. I just want my XXXX $ back and to not let this happen to anyone else. Chase should put their customers first. I even tried to get in contact with the person through the email and they didnt reply. I sent them a text through another number and they only confirmed I was scammed and called me a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry fromXX/XX/2018 Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry fromXX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018

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 2018-11-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have talk to equifax on several occasions, for starting up dispute on my credit, and the furnisher no nothing about it, equifax put in a dispute with my student loans with out my permission dropping my score 8 points for no reason, i reach out to my student loans and they clueless with this dispute thats on my loan and equifax And they denial the fact of taking partake in dispute and i never disputed anything on my student loans and equifax dont wont to take responsible for dropping my score with the negative remarks on my student loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: KS

Complaint narrative:
XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX. Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from Kay Jewelers with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX. 's part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
File # XXXX I disputed 3 times but Transunion continuous to violate Federal Law and my rights. They start a dispute and finish it in 10 days without Verification. I attached 3 documents ( PROOFS ) from creditor that I am on time and car has been paid off. Transunion doesn't read my documents. If it continuous like that my lawyer will take a legal action both to Transunion and CFPB. See the attached files.

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 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On or about XX/XX/2018 Equifax received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from Equifax it was told in a letter that a third party vendor XXXX XXXX had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on XXXX XXXX this is clearly a privacy violation for both agencies. I need to how is this verification legal since the courthouse on record doesn`t release said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
A payment in the amount of {$1400.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/2018 Legal Order, LTS XXXX. XXXX XXXX XXXX still shows up on credit report with debt of {$1400.00}, called company they said have not received payment nothing they can help me with. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
This relates to an old account I had with the company. The account is fully paid ; as of today XX/XX/2018, the company owes me over {$300.00}. The company is holding on to my money and falsely, reporting to credit reporting agencies that I am delinquent. 

On XX/XX/2018, Hyundai reported to credit bureaus that I owe them {$920.00}. 
As of XX/XX/2018. They are no outstanding balances on my account. In fact, the companies owes me over {$300.00} which I am still waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
On or about XX/XX/2018 I received a letter from FBCS , Inc stating I owed a debt to XXXX, after sending them a letter to request verification of the debt around the first week in XXXX I recieved a reply letter and a copy of a bill, Nothing verifying my identity or anything much except a bill and my name isn't even correct on it nor is the address and both letters have 2 different amounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: FL

Complaint narrative:
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

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 2018-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To whom it may concern, My secondary mortgage was recently transferred to Shellpoint Mortgage. 

It transferred over on XX/XX/2018 I was supposed to be able to start making payments to you starting XX/XX/2018. It is now XX/XX/2018 and you have even failed to provide me with something as simple as an account number. I dont know what it is the hold up but I need to know ASAP as I am in the middle of a refinance with another bank. 

You either own my secondary loan or you dont please let me know.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

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 2018-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
It is apparent that you are acting on the presumption that some relationship that you may have with Caine & Weiner/XXXX XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with Caine & Weiner/XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. 
Accordingly, I do not understand how to respond to you since I am unaware of any contractual relationship between us. 
As a courtesy and because you may find it helpful, I have attached recent correspondence between myself and Caine & Weiner/XXXX XXXX XXXX, wherein I have repeatedly offered to settle the matter between myself and Caine & Weiner/XXXX XXXX XXXX. 

NOTIFICATION didn't disclose it was an attempt to collect a debt. 

Consumer didn't receive notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
This company is reporting inaccurate and derogatory information on my credit report.

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 2018-11-11 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I received notification Ability Recovery Services , LLC is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against Ability Recovery Services , LLC, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, Ability Recovery Services , LLC and XXXX XXXX. I will be retaining legal council! Ability Recovery Services , LLC is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!

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