vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CAREFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVED FROM MY ACCOUNT. IT HAS BEEN SEVERAL MONTHS AND XXXX   CREDIT BUREAU ARE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE.THE LAW IS VERY CLEAR AS TO CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTION 616 & 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVE THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEIF AND NOT ME.PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENITY THEFT VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
the wonderful folks at Jefferson Capital Systems have purchased rights to collect debt against XXXX XXXX ( NOT XXXX XXXX ). and yet they hit my credit report will the debts of a different person. 

they called dozens of times, would not say what it was about, and last XX/XX/XXXX when going through mail I noticed there was a collections letter from them for XXXX XXXX ( NOT XXXX XXXX ) and yet they put that garbage on XXXX XXXX XXXX credit report & then proceeded to harass XXXX XXXX endlessly over it. 

here is URL of image of scan of debt collection letter which clearly shows they have the wrong name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX, WA informed me that my mortgage was sold to Loan Care, LLC in XXXX XXXX, VA. I contacted XXXX XXXX to ask about my automatic payments directly from my checking account. They suggested that I wait for a welcome packet from Loan Care before doing anything. On Monday, XX/XX/XXXX I contacted Loan Care and told the person on the phone that I did not receive anything from them by mail. However I did get an email, which I do not find acceptable since emails from unknown parties can not be trusted. I was assured that a packet was being mailed out. I just received a call from Loan Care telling me that my mortgage number was not loaded in their system. I gave this person the loan number from the XX/XX/XXXX letter. I was told it would now take 5-10 business days to receive the welcome packet, which will put the receipt into the week of XX/XX/XXXX since I live on the West Coast and it could take much longer than 5 days. 

Loan Care seems to have some very flawed procedures and their business practices are very questionable. I am wondering if they are a bona fide mortgage lender and would like the CFPB to look into the Company. They certainly have be very concerned about the efficacy of the operation and ability to handle my mortgage. 

Please let me know what you find out.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My wife and I are apparently victims of id fraud resulting from the XXXX Equifax data breach. We have attempted to obtain data from Equifax regarding apparent discrepancies in our data. When we try to access data, they always ask us a ridiculous number of questions that have absolutely have nothing to do with us and then refuse to do nothing for us.Of the three credit agencies, Equifax is the only one that gives us trouble. We believe that possibly someone has given fraudulent personal information about us and Equifax has loaded that false information into their database. We are unable to give examples of the bad data because Equifax has repeatedly refused to provide us with our credit files because we answer their asinine questions wrong. Our credit rating with Equifax is very low, yet it is above XXXX with the other two agencies. My wife was recently turned down for an auto loan because of erroneous data in her Equifax file, yet Equifax was reporting her credit score to be XXXX. This was reported in a letter from XXXX XXXX XXXX on XX/XX/XXXX. A similar letter was received from XXXX XXXX of XXXX SC on XX/XX/XXXX. Ditto for XXXX XXXXXXXX XXXX on XX/XX/XXXX. Fraud alerts were filed with all 3 credit reporting agencies on XX/XX/XXXX, and an ID Theft report was filed with the TPC at the federal government today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: IL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: NE

Complaint narrative:
I contacted a third party debt collection agency and was discussing my account with them on XX/XX/2019. They did not read the mini miranda to me and I specifically asked them if they are a debt collection agency. They said all they have to do is state that the phone call is being recorded. The company is Harris & Harris. The phone number for them is XXXX. The amount discussed was {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I understand that I am past due on my payments to Conn 's. They call me every single day multiple times a day from different numbers. Last week, they started calling my job. I scheduled a payment with the lady and told her not to contact me at work, and she said she could not delete the number from work, but she would make a note not to call the number. I told her to remove the number and that she is not allowed to call the number. Those calls have stopped, but on Wednesday, the phone number XXXX called my cell phone 18 times, starting at XXXX XXXX. until XXXX XXXX I got two calls from XXXX the following day and blocked the number. Today, I have received 12 calls from XXXX so far and it is XXXX XXXX I have blocked that number as well. These calls need to stop. I make the payment when I am able and this is absolute harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

I demand that the following account be verified or removed immediately : Collections : PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: IL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-21 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: IL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I keep getting calls from portfolio recovery for a debt that was paid off. They said they purchased the debt from XXXX. I can't get my statements because I changed banks and its been a hassle. I want to solve this asap because they are now messing up my credit which isn't right. They want me to pay $ 3,000+. I won't do that when I know I paid of my item, I would like to pay {$1500.00} and get the derogatory mark off my credit reports as well the following are : XXXX XXXX. and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CT

Complaint narrative:
Well I went over all my financial transactions for the month of XXXX. After I calculated all my financial transactions for XXXX there was {$100.00} unaccounted for. My mother called direct express the makers of the debit card, after my mom spoke to direct express customer service. They gave my mom all the transactions for the month of XXXX. My mother added all the financial transactions for the month of XXXX and she told me that there was {$100.00} missing. So she's been trying to call direct express customer service back about this, but she can't get through, because direct express customer service doesn't answer her calls or mine. They have a voice message saying that they are overwhelmed by all the phone calls. This is the situation I find myself in today. It's my money that's missing, even though the debit card has my mom 's name on it. I receive my social security XXXX benefits on the debit card each month. So far direct express hasn't returned or refunded the {$100.00} back on the debit card. We can't ask why because we can not get through to find out what happened to the money. Remember the transactions still leaves {$100.00} left missing out of my account..after all them have been accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my Experian score shows XXXX, but the XXXX XXXX XXXX received a score of XXXX from Experian. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and XXXX XXXX XXXX I was denied a mortgage of which I clearly qualified for prior to the report they received.

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 2019-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: WA

Complaint narrative:
American Advisors Group XX/XX/19 charged us {$1000.00} for Property Taxes on our closing documents. We did not have an Escrow account. They did not pay it to XXXX XXXX XXXX either. They also let our loan rate lock lapse past our 1st closing date and charged us {$500.00} to keep our rate and move our closing back another week. All representatives that we dealt with from American Advisors Group were aware of these problems. We still have not received any official closing documents with all the signatures on them. American Advisors Group promised to refund us the {$500.00} for the delays caused by them. They never fulfilled this promise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My name is XXXX XXXX and my social is XXXX. I have a pep boys account serviced by synchrony bank. I paid my bill on time last month. There was a fraud issue that happened with my bank account 5 days later after I paid my bill and my bank shut my account down. Pep boys then told me they didnt recieve the payment and reported me late. I spoke to customer service about the issue and they waived the late fee but are taking me in circles about reporting my account paid on time. I do not understand this because the person i spoke to didnt know why it took them 5 days to take a payment from my account and they would work on seeing to get my credit profile updated which never happened. I would just like my credit to be fixed. This has caused my score to drop 10 points when I made my payment on time.

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 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Reporting probable organized crime scheme to create fraudulent debt instruments across the country using " front '' companies and collection of some percentage of them by the syndicate 's " XXXX XXXX XXXX  '' - ( TSI ) ~XXXXTWS   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX TEL XXXX a pest control company solicited at my front door Some months ago I bought a house in a new neighborhood in XXXX County Texas at XXXX XXXX XXXX XXXX, XXXX , TX XXXX. Several " ODD '' " coincidental '' things happened. For instance one day after going to lunch I returned to find mouse droppings, styrofoam & insulatio in the shower. ( THAT HAD A CLOSED SEALED GLASS DOOR. ) & some drywall shavings by the closet door ( In a poor attempt to make it look like a mouse had burrowed in through the walls - on closer inspection later it was obvious that someone used a key hole saw. ) The next day a pest control company showed up at my door soliciting services. ( A similar thing happened with a security company ) I declined both times. Several months later a pest control company - '' XXXX XXXX XXXX XXXX '' came to the door and I agreed to allow them to spray the structure at XXXX XXXX XXXX XXXX 1 time ONLY and specifically stated I did not want or agree to a contract. The 2 men presented a electronic tablet and said press here and sign here which I did. A month later one of their trucks showed up to again treat the structure. I said NO I do not have a contract. Later they sent me a bill to attempt to collect a fee for " cancellation of the contract '' which I never had. I mailed it back to them saying it was fraudulent. In the last few months I've recieved several telephone calls from a collection agency ( " XXXX XXXX XXXX  '' ) XXXX-TWS in PA. Today the lady I spoke to said that XXXXTWS did not buy the " debt '' to collect. I believe they are in league with this scheme and they are the hub of a vast criminal syndicate using a myriad of front companies. Pest Control, Secutity, & other home services. I also have reason to believe that this encompases 2 prominent " religious orginizations '' / religions. It is a nationwide scheme involving attemptinfg to creat fraudulent debt instruments and defrauding, ( breaking & entering, ect ) buyers of new homes as well as targeting Political " opposition '' or people who have espoused views they disagree with. Either way the fact of the matter is that XXXXTWS   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX are engaged in Fraudulent behavior, ORGINIZED CRIME, and Creating Fraudulent Debt instruments and attempting to collect on them. How Many Old Ladies & other ignorant victims have they scammed. They are Obviously stealing a lot of money in this organized crime syndicate using " llegitimate '' business ' as fronts who also break the law in the fraud by Theft, Destruction of Property and Breaking and Entering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
My complaint is for The XXXX XXXX XXXXXXXX XXXX in XXXX KY. About a year ago I was sent there to have a medical procedure for a missed XXXX. They did not submit my claim to my insurance. They didn't send me a single bill, basically I have been waiting and told things like it can take six months for the claim to go through and they have a year to bill you. I'm still waiting on my bill about about 1yr and 1 wk after the procedure. I check my credit every couple of months and see a new collection account for {$6500.00} and that is what it was for. They never sent the claim to my insurance because that is well above what my yearly out of pocket maximum would cost. I called the billing Dept at the hospital and asked about it and they told me they can't do anything about it because of the time frame. I called the collection agency they sent it to, they picked a random address off of my credit report I guess and told me I had the wrong address on file, I have kept my address current and updated it with the hospital and everything the day XXXX had to go. I had not lived at that address in 5 years and never when I used this hospital. They are trying to tell me it's my fault because of having an old address with them, which I have never had an account with that particular collection agency either. I have used this hospital 2 times in my life and they didn't send a bill either time, just straight to collections right around the time when they won't let me fight it anymore and when it's too late to negotiate a payment plan. The first time I found out they finally sent a bill straight to collections, I found out when they froze my bank account, this time, I check my credit regularly now because I don't trust them and found it that way with nothing about it from XXXX hospital or the collection agency through the mail or otherwise yet.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I was in court and a judgement was entered in the amount of {$1800.00} with payment to be sent to XXXX XXXX ( OPP Loans collections attorney ). Payments were to be {$150.00} per month. On XX/XX/XXXX, a cashiers check # XXXX in the amount of {$1800.00} was certified mailed to them using USPS - tracking number XXXX. I had called in XX/XX/XXXX to ensure the payment was posted. It had not been. On XX/XX/XXXX I received a release of judgement from XXXX XXXX. Upon reviewing my credit reports, I see that as of XX/XX/XXXX, OPP Loan still is reporting to the credit bureaus that I am making late payments and delinquent on this account.

Company response to consumer: Closed with explanation