vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I discovered a XXXX checking account & credit card account was opened in my name when I applied for my account with XXXX XXXX in XX/XX/2019. I then contact Early Warnings Services Im disputing this information. 

XXXX refuse to give me any type of information. When I call to dispute theses accounts no one will speak to me. Everyone I speak to tells me that is been sent over to a team to be worked. No one has contacted me or asked for no type of documents. 

I have been in contact with XXXX XXXX since XX/XX/2019. I have sent identity theft affidavit, police reports, & all of the requested information. 

Early Warning continue to tell me the same thing that XXXX  said the information is accurate & Im responsible. 

I will not be responsible for anything that do not belong to me. Early warning told me to send in a rebuttal statement & they will Re-investigate reinvestigate however I have yet to see any documents of any new information. 

XXXX told Early warning that this said account had direct deposits & etc but I have yet to see who the payee is & company. 

No one is helping me with this matter & this is becoming more then & issue for me. 

I have never had an account ( s ) with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In XXXX of XXXX, someone used my name to open a XXXX XXXX   XXXX account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from XXXX XXXX about an overdue balance around XXXX, XXXX. When I returned the call, the XXXX XXXX department couldn't find any information about an account matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from Midland Credit Management dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. XXXX XXXX had closed the account and had sold it to Midland Credit. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to Midland Credit in XX/XX/XXXX with documentation. No letter from Midland. 
I receive several phone calls from Midland Credit each day and want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i recently pulled my credit report and noticed accounts & inquiries that did not belong to me

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i recently pulled my credit report and noticed accounts & inquiries that did not belong to me

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
On XX/XX/2020 I had applied for a checking account at XXXX XXXX XXXX and was decline because they said I was in Chex System. Therefore, I reached out to Chex Systems and they informed me that XXXX XXXX  XXXX had reported me for account abuse for two accounts one had a balance of {$84.00} and the other account was for {$140.00} which clearly I do not owe. I reached out XXXX XXXX and no one has no information they can provide. Please assist! I want this removed off of Chex Systems that way i can deposit my checks so I can take care of my family.

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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I was victim XXXX XXXX and was take to hospital all expenses were part of a claim with NJ victim comp fund claim # XXXX this company did not submit bill in a timely fashion and claim is now closed I am not responsible for this bill

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 2020-04-08 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: CA

Complaint narrative:
Experian I asked Experian to verify collection account reported by XXXX XXXX Account # XXXX. Experian responded with account has been verified by the XXXX XXXX I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

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 2020-04-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NV

Complaint narrative:
Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2020, contacted the card company to have minimim payment waived due to COVID-19 issues. Saks card services stated, no problem, payment would be taken care of. 
Then get an email for XXXX payment, that shows a double payment due and a late fee assessed to account. 
Contacted company ( XX/XX/XXXX ) to state account payment was communicated and that account payment due is incorrect. After various representatives went through account, acknowledging mishap by rep from XXXX, a late fee was waived but they were not trying to accomodate account properly but instead request payment and stated it was in/going to collections!!! 
Company purposely lied about XXXX payment, then set account up as delinquent, when it wasnt even 30 days past due! 
During these trying times in the country and worldwide, Saks Credit Services and Capital One should be ashamed of themselves. 
The account is being handled incorrectly and in a bias manner! They are trying to get over on my account and set it up negatively with credit bureaus, when that is completely inaccurate!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX I asked XXXX to verify collection account reported by Midland Funding Account # XXXX. XXXX responded with account has been verified by the Midland Funding I contacted Midland and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, Midland Fundind responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that Midland Funding had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to XXXX and requested a re-investigation under 15 USC 1681 along with response from original creditor and Midland Funding ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
This company is tried to collect on an alleged debt that was already paid and already removed from all three bureaus of my credit report. I have never heard of this company, nor their attempts to collect this alleged debt until I received notice from my credit monitoring service that I had a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
Due to the Corona virus 19. I need assistance doing a deferment with my loan. I tried calling several times once waited 6 hours on the phone still no one answered. I do not want a forbearance I want a loan modification or deferment. But I cant get a hold of anyone to help me.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a customer of Bank of America over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to me.

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 monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a customer of XXXX XXXX XXXX  over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to me.

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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
Investors Bank marked me as 30 days late on my mortgage in XXXX 2020 when Governor XXXX said that people who live in New Jersey will not be reported as late on our credit report for 90 days. I was affected by COVID-19 because I own a hair salon and was not considered an essential business. As a result, I lost a lot of revenue and was not able to make my mortgage payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank 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 non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
My mortgage lender failed to submit payments for my property taxes, leading to accumulating late fees. I have contacted them several times, both via phone and email. When contacting them via phone, they requested that I email the tax bill so that it may be addressed. However, they failed to pay the bill or respond to any of my emails. As a result, I ended up paying for the taxes with my own credit card. 

Additionally, they have failed to respond to my messages regarding the annual payment of my home insurance, which is due on XX/XX/20. I would like to avoid late fees and may therefore make the payment on my own ; however, this would mean that I would be overpaying my mortgage ( given that it is inclusive of the insurance payment ) and am unsure how or if I would ever receive the refund or have my monthly mortgage bill adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This account was settled in full with Midland Credit Management on XX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to Midland Credit on XX/XX/2020. Midland sent over a letter on XX/XX/2020serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within XXXX weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of Midland Credit Management reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. Midland Credit Management and XXXX XXXX XXXX knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XX/XX/2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. Midland utilized XXXX XXXX XXXX attorneys to resolved this matter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
They reported to my credit in violation of Hipaa ... 
never had a chance to dispute it or pay it

Company response to consumer: Closed with explanation