vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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 was never late on my XXXX. I always paid on time. I never had a XXXX XXXX account, XXXX XXXX card is not mines, XXXX is not mines, XXXX mail dated XX/XX/XXXX I never had this account please removeand the 3 accounts below. Please help me. These are not mines they need to be removed from my credit XXXX bless XXXX XXXX  Act. # XXXX {$1200.00} Past Due XX/XX/XXXX Opened {$1200.00} High Balance {$1200.00} Creditor Contact : Not Available XXXX XXXX # XXXX {$520.00} Past Due XX/XX/XXXX Opened {$520.00} XXXX Act. # XXXX 30 Days Late 12.01.2017 Opened {$540.00} High Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted to Barclays Bank Delaware via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of the applications as requested in my letter. Instead they stated " we were able to verify the information include on the application including the social security number, date of birth, phone numbers and mailing address using public records. '' In my XX/XX/XXXX letter sent certified mail, I asked that if they were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, the company chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. 

As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or  more consumer reporting agencies.

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 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I disputed a account placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX claims they were collecting for XXXX XXXX XXXX XXXX. XXXX XXXX originally informed me to dispute with the collection agency and the bureaus bc they did not send anything to collections. 
I dispute as advised and the collection account was removed. I get an alert today informing me that Aargon Agency has placed this same account back on my report. I called and spoke with XXXX who was VERY rude and basically tried to over talk me. This collection agency is in violation of several aspects of the FDCRA. This company is also reaging debts that they clearly do not own and can not verify according to the FDCRA. Aargon agency is reporting that the account was placed with their company on XX/XX/XXXX but this same account was removed and deleted from my report with XXXX XXXX XXXX on XX/XX/XXXX. How could the account be placed with them in XX/XX/XXXX when XXXX XXXX XXXX was still reporting the same account in XX/XX/XXXX then deleted in XX/XX/XXXX after I followed all proper procedures to have it removed??? This collection agency is using illegal tactics to get consumers to pay collections they do not own.

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 2018-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/XXXX I was contacted via email by a scammer who presented himself as an employee of XXXX XXXX XXXX.

He received my resume from XXXX and wanted me to work as his assistant and accounts receivable manager.

Once hired I received my first payment on XX/XX/XXXX and I deposited the funds. They were on hold for 2 days and once navy federal cleared them I went to the branch. At the branch before my withdrawal I asked the teller please make sure the funds have cleared all the way on the other banks end ( XXXX XXXX XXXX ). She came back after 30-40 mins and stated the check was good and cleared with the bank.

I withdraw the funds and head over to XXXX XXXX to deposit the funds into a XXXX XXXX account. I thought I was paying for my training and equipment..

2 days later I'm slapped with a {$3400.00} balance from this bad check I was told was good.

Navy federal refuses to provide me with a HOLD HARMLESS to settle the balance although I have a police report number and complaints with the FBI, XXXX XXXX, etc. I have provided them with the police number etc.

They should be protecting me. I'm a victim. I contacted the XXXX XXXX ( XXXX ) and they said their is a open investigation in the company because this guy is moving around the United States scamming people. He's been in XXXX, XXXX etc.

NAVY FEDERAL needs to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
Im XXXX XXXX and has lived in my home since XX/XX/XXXX Im XXXX years old and is struggling to keep up with my payments I contacted Roundpoint mortgage and tried to get a loan modification and was denied due to my inability to understand the application process i feel as though Ive been unfairly denied by Roundpoint mortgage company after contacting the XXXX XXXX XXXX to gain entry to the XXXX XXXX XXXX for Assitance with my payments Ive been unable to maintain my normal income due to health related issues i really appreciate mercy on this matter thank 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 2018-09-18 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: FL

Complaint narrative:
My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.

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 2018-09-18 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: FL

Complaint narrative:
My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: FL

Complaint narrative:
My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.

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 2018-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX, and Servicer, Seterus, Inc. have violated the Truth-in-Lending ACT Section 129C : 1411, 1412, 1414, that when issuing the Mortgage Modification to XXXX XXXX # XXXX and XXXX Loan Modification # XXXX, Seterus XXXX ; there is an apparent disregard for the " Ability-to-Repay Rule. As a result, I am paying the monthly mortgage, but do not receive credit to the credit reporting agencies. 

Property address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I am a authorized third-party on the loan, and Joint tenant on the " DEED. ''

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 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Discovery Systems, LLC
State: CA

Complaint narrative:
On XX/XX/2018 at or around XXXX, I received a phone call from a blocked number stating that they are from the county, and are wanting to meet up with me to have me sign a legal document, and that I am being sued by the company filing the paperwork. I was instructed to call ( XXXX ) and reference a file number. The number provided is for a collection agency called XXXX. XXXX informed me that it is a debt with a company called " Account discovery systems '' who hired them to collect a debt from the originator ( XXXX ). When I asked XXXX to validate the debt, they asked for my email to email me the validation. I denied- as I wanted to send them a formal letter asking for proof of the debt. They denied providing their address and claim that they're not allowed to provide their address. I had stated that I want proof that I owe the debt, however the person who I was speaking with, became irate, and belligerent stating that they will close my case and suggest legal action if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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 submitted several disputes to Equifax who fails to thoroughly investigate and delete these fraudulent accounts. I sent police reports stating that these accounts are not mine. 

The following accounts need to be deleted within four days. My rights have been violated by Equifax and I will be filing lawsuit against Equifax. 

1. XXXX XXXX Acct # XXXX 2. XXXX Acct # : XXXX 3. XXXX XXXX XXXX XXXX Acct # : XXXX 4. XXXX XXXX XXXX   Acct # : XXXX 5. XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: KY

Complaint narrative:
I applied for a loan on XX/XX/2018 due to a financial hardship. It was for {$800.00}. I've missed 3 payments and the interest rate is accruing daily. The total I owe is now up to {$1200.00}. I have discovered that online payday loans are illegal in Kentucky. I contacted the company regarding this and they stated I owe the principal but the interest that is accruing daily. I contacted the XXXX  and the Department of Financial institutions in Kentucky. DFI submitted a cease and desist letter on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have submitted a letter to transunion about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.

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 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
They called another phone line at my job asking for me on XX/XX/18 and I told the caller this was my workplace and to stop calling. Today, on XX/XX/18 the same caller called the other coworkers number asking for me. I work for XXXX XXXX and can not keep having them call my place of employment especially on a phone line that is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ross Financial Recovery Group
State: CA

Complaint narrative:
Received an email on XX/XX/XXXX from Ross Financial Recovery Group XXXX. XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX, claiming I owed {$200.00}. The address turned out to be a corner cafe in what looks like a residential neighborhood. Three calls resulted in a different person with XXXX XXXX accents each time. 

Previously owed {$350.00} to XXXX XXXX, which was paid in full XX/XX/XXXX to XXXX XXXX in XXXX XXXX. After going through all credit channels, XXXX XXXX confirmed on XX/XX/XXXX payment was previously accepted. 

I was informed by XXXX XXXXXXXX that Ross Financial Recovery Group was fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NC

Complaint narrative:
InXX/XX/2018 I received a letter from Frost Arnett for an attempt to collect a debt for {$350.00}. I spoke with them and asked what this debt was for. They stated that the debt was for money owed from XXXX XXXX XXXX XXXX hospital stay. On XX/XX/2018, I reached out to XXXX XXXX XXXX concerning this debt. I explained to a female represetatie that my XXXX insurance was supposed to cover my debt, and if they did not cover in full, that my Medicaid would. She told me to call and get my ID number. I called Medicaid on XX/XX/XXXX, and they provided the number to me. I also called Frost Arnett on XX/XX/XXXX which they have record for at XXXX. I explained that I spoke with the original creditor, and provided my Medicaid information. I asked BOTH parties if I needed to follow up with them concerning this debt. Both said that if there were any issues, I would be contacted via phone or email. 

On XX/XX/XXXX, I received an alert on my phone stating that this account was in collections. I immediately contacted both the collection agency, original creditor, and XXXX XXXX XXXX Hospital. Everyone has a record of me contacting them concerning this debt except XXXX XXXX XXXX. XXXX XXXX XXXX stated that it is now too late to apply my Medicaid ID, and they had reached out multiple times although I have not received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: MRS BPO, LLC
State: OH

Complaint narrative:
MRS BPO is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.

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 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I have a medical collection account placed on my credit report by Aargon Agency. They claim the original creditor is XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and I was informed that they did not send anything to collections with Aargon Agency. I was informed to submit this complaint, and dispute directly with the collection agency. Well I attempted to make contact with this collection agency and and was never able to get anyone on the phone. I then sent a certified dispute letter per my attorney and the mail came back unable to deliver. The address is an address that is reporting under the creditor information. This medical debt does not belong to me and the original creditor states they DID NOT place a collection with this company. I'm unsure of what kind of company this is because I can't seem to get anyone to explain this collection to me and why it's being reported on my credit file.

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