vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, MIDLAND CREDIT MANAG ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAG has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I received a phone call on XX/XX/XXXX from Southern Management Systems , Inc. They informed me they were a debt collection agency working on behalf of XXXX  at XXXX and/or XXXX at XXXX in regards to an apartment lease agreement from XX/XX/XXXX to XX/XX/XXXX. This is an apartment complex my daughter lived in college. They claimed there was an unpaid charge for {$230.00} in damages to repaint the bedroom and bathroom and part of the common areas along with an unreturned door remote. I explained I was unaware of any charges and I had not received any notices They went further to inform me that collection notices had been going to the wrong address. I further informed her that I was a listed guarantor on the lease contract that had contained my correct address. They acknowledged having no record of providing a notice of a debt prior to XX/XX/XXXX, nearly 1 1/2 years later. The collection woman demanded immediate payment or she would file it on my credit report. I requested that she send me an invoice for my review. I was sent a collection letter dated XX/XX/XXXX of which I did not receive until XX/XX/XXXX. The Guarantee Agreement was attached that had my correct address all along. Upon receipt of the letter, I pulled my credit report to find they reported it on my credit the next day on XX/XX/XXXX. I find this to be an abusive collection tactic and these people should be investigated. This is a deceptive company that is not playing by the rules. They knowingly filed this on my credit report as leverage to collect a debt that I was not provided the ability to dispute. My daughter lived in this apartment for 2 years along with 3 other girls. The lease was renewed for a 2nd year term and therefore paint touch up of {$230.00} should be considered normal wear and tear on a {$19000.00} lease payment term. In summary, I was not provided the ability to dispute this claim until after the fact, but they still filed this on my credit report with full knowledge they had not provided an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: AZ

Complaint narrative:
in approx. mid XX/XX/XXXX, i selected Supreme Lending. after several months of sending paperwork, forms, financials, bank statements..etc, they had no updates and no progress. each month they requested additional updated items, but still no progress. 
after several month, being first week of XX/XX/XXXX, i asked for an update and status. no reply. on XX/XX/XXXX, i did so again. with no replies. 
On XX/XX/XXXX, i asked them to haul with whatever they were doing and i was going to go another direction as i thought over 6 months with no updates or progress was ridiculous. 
i requested that they send me all of my financial, personal and business forms that we had sent them so i could start this with another group. they simply replied with No. we don't do that. 
i asked them to send the forms to me within 48 hours so i could go another route and needed the documents i had sent to them. they have never replied or sent the items. 
this firm is extremely unprofessional, very disorganized and does not know what they are looking at as far as requested financial information. they do not communicated and are procrastinators beyond my understanding. 
i hope that reporting these issues is something you can resolve and save future issues with others. i will take on the big expense of starting all over again. regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX is listing a debt that i do not owe. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: COMMERCE BANK
State: MO

Complaint narrative:
I feel commerce bank and there attorney XXXX XXXX of XXXX XXXX and XXXX have used and are using predatory lending practices, bullying, repeated failure to adhere to terms of an agreement and a lack of willingness to work towards an amicably end with an aggressive pursuit of much higher profit margins that a traditional loan. They have refused payment to be brought current, attempted to force me into a forbearance agreement, negotiated a settlement agreement upon learning of a contract for sale, reneged on agreement and took me to court for XXXX more ... won a default judgement without seeing any evidence ... offered another settlement of XXXX ... tried to foreclosure auction the property to force me to pay ... then when I attempted to pay the XXXX having discovered there was a contract for sale for XXXX they reneged on that offer and now want XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank is changing the terms of our credit card agreement, but the terms are all in legalese and written for lawyers. From what I can make out, they are arbitrarily assigning some things to be counted as " cash transactions '' but it's unclear what those are, in what circumstances that might apply, and so for. 

They state that I have the right not to accept the changes, but when I call in as directed they say they will close my account and destroy my credit. I've been with Chase since they bought Washington Mutual bank in the XXXX financial crisis and have otherwise not had issues with them ( and opted out the last time they changed the terms to force arbitration instead of class status for a dispute ), so I'm trying to figure out this opaque notice and them threatening to close my account if I don't acquiesce. 

Now I'm afraid because I contacted them and said I wasn't comfortable accepting the new terms that they will close my account anyway. What I really want is clarity but the phone operator couldn't provide it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello, I contacted Experian about a fraudulent account ( XXXX ). Early in 2020, they responded and removed the account ( There report number XXXX XX/XX/XXXX20 ). Attached is proof of the dispute results. Shortly after, another company called XXXX XXXX picked the account and put in back on my credit report. I have contacted both Experian and XXXX XXXX about the fraudulent account with calls, notarized letters and submitting disputes through there sites. But no luck

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 2021-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I contacted speedy cash 3 weeks ago about a debt that is being reported on my credit report. The debt says I owe XXXX with a payment of {$230.00} a month. When I originally contacted speedy cash, the debt was only on transition and XXXX. I contacted the consumer reporting department and the representative that I spoke with said I would need to contact the fraud department to make sure this debt was not opened by someone else in my name. When I contacted the fraud the department, the representative said that I did not owe anything and there was nothing to dispute but he would annotate my account to note that this debt was paid. I contacted speedy gash fraud department a week and half later to see if the debt was removed. The representative that I spoke to said that she could not file a fraud case because it was not fraud and that I needed to contact their consumer reporting department I explained to her that I had already contacted them. I contacted the consumer reporting department again and the representative stated that speedy cash would update the balance to reflect a XXXX balance and that it would take a week for it to be removed. I asked the person that I spoke to for a letter stating that I did not owe anything to speedy cash and she stated that she was unsure if they could send me anything. At that time, this balance was only reflecting on my XXXX  and XXXX report. Today, I check my report, not only has the item not been removed but they also placed this balance on my XXXX  credit report. I explained to this representative that I am in the middle of purchasing a home and this balance is affecting my ability to process my loan. Can you please either remove the incorrect information from my report or provide me with a letter stating that I do not owe anything to speedy cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am the daughter of someone owing a debt. These people are harassing me from comenity bank. This is not my debt and these phone calls need to cease. It is illegal to obtain information of a relative as I am not listed on her information. Yesterday I received an abusive call threatening my mother from a blocked number she better pay up I believe this is either comenity or XXXX XXXX. I will also be reporting this to the XXXX. Stop allowing debt collectors to call relatives I used to collect debts myself and never disrespected people like this or called family. 

Here is one number : XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY A ( Original Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: DE

Complaint narrative:
I received a letter from dcm services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mi XXXX, They identified themselves as a debt collector. The matter concerns XXXX they say I owe XXXX XXXX. I called the billing department to ask if I had any outstanding charges and they said I had a XXXX balance. They also gave me the phone number to the department that handles billing for the ER doctors which handles the only other possible department that could have accounts due. They also say I have a XXXX balance. I called dcm to request detail ( as the hospital provides ) on doctor names, procedures, etc. They sent me a sheet that says as follows : a number XXXX XXXX XXXX XXXX XXXX XXXX a date an amount Absolutely no physician names or procedures. I then asked why I didn't receive a bill direct from the hospital like I did on the charges that I paid to the hospital directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for the 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My leased car ended on XX/XX/2020. I continued to pay monthly payments as I did not feel comfortable going into the dealership when COVID 19 cases were high as I am a XXXX XXXX XXXX XXXX  and therefore consider high risk. On XX/XX/2020 when COVID 19 cases were lower, I turned in the leased XXXX and leased a new XXXX on that same day. At no time was I told or provided information that I owed a payment or any other amount for XXXX prior to signing the new lease. I clearly would have negotiated that in the new lease contract but was not given the opportunity to do so. I was also never told that if the payment for XXXX was not made, that information would be reported to the credit bureau. I simply turned in the car with NO ADDITIONAL information provided. This is deceptive!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. Equifax ; XXXX and XXXX have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Credit Bureau Services Association
State: TX

Complaint narrative:
Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NY

Complaint narrative:
I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. XXXX ; XXXX and Transunion have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix 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