vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: TX

Complaint narrative:
I was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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
Consumer complaint received 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
This is not a duplicate. The company did not even address any part of this complaint The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX they are just stealing money and ruining credit. I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name They did not respond to how I have paid them XXXX and owe them XXXX now. After I received a statement which was not sent until after I filed this complaint. They have never sent me one bill, or one statement on line. On XXXX loan and having paid them XXXX how is it even possible I owe them more than the loan. This is predatory and they did not respond to any of this in the letter. I have already taken this to a lawyer and spoke with CA ATTY General on this. They do not send any monthly information. Also no one has responded to my last email to them sent on the XX/XX/19. This company needs to be regulated. I requested to settle this for XXXX but they did not respond to that. They just glossed over the complaint. I will be posting everywhere warning people not to use them ever!! There is no way I should owe more than XXXX after paying them XXXX this is insane!!! I will just not pay them anymore every again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding, LLC is garnishing my wages for a debt that was closed out for fraud. They didn't even buy the debt so that means that they obtained the information illegally. The original creditor confirmed that the debt was never sold to them. They are suing me in court and now they are playing two courts against the other to string this situation along. They have made unauthorized withdrawals from my bank account and I never even gave them my bank account information. They have hired people to steal information from the dark web to hold irrelevant matters against me. They lied to the judge claiming that they incurred fees from dealing with my employer for garnishing my wages so they could get awarded more money. They falsified evidence and presented it to judge so they can get a default judgment. They even forged my signature on some agreement that I've never even seen before and they stole my identity to create other fraudulent accounts. 

They sent a judgment for rule that was NOT signed by a judge to my employer and when my employer told them that they couldn't add on the garnishment without the signature, XXXX XXXX threatened to sue my employer if they didn't put the garnishment on. They don't even serve you court documents and they talk the sheriff into falsifying information on the return. They also made racist remarks toward me. 

Complaining to their staff members doesn't work. They just ignore all issues and they never return phone calls or letters. I am pressing charges against these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: ID

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a late in XX/XX/2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
We decided to stop XXXX in XXXX, 2019 after being a loyal customer for 19 years. After speaking with a XXXX agent, she convinced us to suspend our account instead of canceling because we have been a customer for so long. I called back in XXXX, 2019 because I noticed XXXX was continuing to bill us. After speaking with another customer service representative, he said he noticed the problem and canceled the account at that time. He also said we would correct the bill and we would not be charged. In XXXX, 2019 we received a collections notice from XXXX XXXX XXXX for a {$160.00} outstanding bill with XXXX. I attempted 2 phone calls with XXXX and got the same response both times. They said I owed the {$160.00} and they could not remove the charges. They told me I could write a letter, print it and mail it to the XXXX disputes department. They said I could not email them and that there was nobody else I could speak with about this issue. I am completely appalled a company could do this to a long time customer. We have extremely good credit and don't want that taken away because of something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/2019 BB & T sent a letter to me stating they have suspended my ability to obtain advances on my line of credit. They stated because I have delinquent credit obligations with other creditors. This info was obtained by BB & T thru XXXX. I pulled my credit using the Annual Credit report website and chose XXXX. My credit history with all but one creditor was in good standing. The creditor in question was a card my wife and I had in both our names. She put some dental work on the card and forgot to pay it and didn't even realize she was behind until my line of credit was frozen. 

I called BB & T XXXX PA Branch and spoke with XXXX XXXX NMLS ID XXXX. She was also the person I spoke with when I applied and obtained the loan in the first place back in XXXX/XXXX  2019. She looked into it and she called me back, said that the line of credit would be frozen for a year. I was in shock. I have plans for this money in the next 12 months and now everything must be placed on hold. She suggested a formal request to unfreeze the a/c to escalate the problem in the BB & T company. I received a notice stating that again my line was frozen because of the same delinquent account and would remain frozen. Also, this loan was opened with a variable rate. I asked if the could be fixed so I can build a payment plan to pay the line of credit off as soon as I can. She looked into it and got back to me, she stated that no, the loan can not be changed from a variable to a fixed for the same reason as the suspension, delinquent account. 

The delinquent account that caused this mess is now caught up with the payments and in good standing. My credit report reflects this. Its outrageous. I work hard on my credit to be in good standing. All of my other accounts are impeccable. One credit card with a {$600.00} balance that was grossly overlooked and my HELOC and all the plans I have for it is in jeopardy. 

How I want this to be resolved is 1. I want the suspension to be lifted from my HELOC and be able to use the funds immediately and 2. be able to lock the HELOC into a fixed rate loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This a follow up from complaint XXXX. I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence on XX/XX/2019, XX/XX/2019 and XX/XX/2019. 

I have repeatedly asked for Diversified Adjustment Service to send me a an EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service.  In a letter postmarked on XX/XX/2019, they sent a large envelope with several bills and a supposed contract with my name TYPED in the signature lines. The two physical signatures they have ( Documents attached, " Pt.1 '', page 14 and " Pt. 2, pages 10 and 18 ) are NOT MY SIGNATURES. They do not match the signature on my  identification. 

Since Diversified Adjustment Service SOLELY owns this debt, Diversified Adjustment Service needs to provide the EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service regarding repayment terms. Since they have not provided this documentation, this debt needs to be stricken from my credit profile from all three ( 3 ) credit bureaus ( XXXX, XXXX and XXXX  ) immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: ID

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a late in XXXX, 2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: ID

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a late in XXXX, 2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-09-27 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WAFD BANK
State: NM

Complaint narrative:
On XX/XX/XXXX the amount of {$6800.00} was taken out of my savings account by someone other than myself. On XX/XX/XXXX {$7400.00}, on XX/XX/XXXX - {$30000.00} and on XX/XX/XXXX {$30000.00} were also taken out of my account by someone other than myself. My savings account does not have a debit card to it, nor is it accessed by the internet. I only made withdrawals in person. I do not believe that anyone stole my identity, but that someone who works at the bank took funds out of my account.

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 2019-09-27 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RNN Group, Inc
State: TN

Complaint narrative:
On Monday, XX/XX/2019, I received a call at work that my assistant fielded. The caller was from RNN Group, and he claimed to be doing an " employment verification ''. He was asking my assistant personal information about me such as do I work full time, what is my full legal name, etc. This was not a true employment verification such as for a loan application or a job application, he was trying to obtain information about me from my assistant under false pretenses. The number of the caller was XXXX. I googled this company - RNN Group - and  they appear to be a company that assists debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: TN

Complaint narrative:
It was a loan now its paid in full. 
I have talk to Costmer Service about remove off credit report.

She said a month ago it will be remove with in 3 business days.

It still showing the loan is open on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XXXX and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history Toyota motor credit ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company : Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX Contact : XXXX // www.ccspayment.com Credit Collection Services issued a debt collection notice by mail on XX/XX/2019. Mail was received XX/XX/2019. Amount of debt issued : {$98.00} with a memo of : Test ( s ) ordered by [ Recipient doctor 's name ]. Creditor : XXXX XXXX XXXX. 

However, recipient contacted doctor 's office and hospital network to confirm that the original payment was received on XX/XX/2019 for the amount of {$25.00}. Receipts are available upon request. The hospital network that conducted the lab tests and received payment stated that the Credit Collections Services and creditor ( XXXX XXXX XXXX XXXX ) listed were not agencies it recognized or used. 

Doctor 's office also confirmed that full payment was received and suspected a scam. Upon further research, XXXX XXXX , XXXX was breached in XX/XX/2019 and released thousands of patient names, SSN, billing information, etc. It is suspected that this breach allowed personal patient information to be leaked and obtained by Credit Collections Services to impersonate healthcare providers to request overdue balances.

Credit Collection Services also lists : " According to our client [ XXXX XXXX , XXXX ], the above referenced amount is unpaid. As a result your account has been placed with this office for collection. We look forward to working with you to resolve this matter. Thank you. 

FEDERAL LAW : Unless you notify this office within 30 days of receiving this notice that you are dispute the validity of this debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will obtain verification of the debt and obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of original creditor, if different from the current creditor. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' Notice arrived in generic envelope with a QR code. Website and messaging on document only refers to processing payments and no official Credit Collection Services website is available.

Please verify all payments are correct with healthcare provider and sales channel for tests run through third-party groups to avoid paying Credit Collection Services for false debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation