vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The late payment that is showing on my credit report for my auto loan with XXXX is not correct.

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 2019-09-09 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: TX

Complaint narrative:
I have tried to clear this collection with Midland for almost a year now. I do not owe the debt to synchrony bank. 

Midland Funding Llc Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
This cellphone plan started on XXXX. After all the lies about pricing and quality of services, we would receive told to us by the sales rep came to light. I returned all of my equipment and canceled all services under the buyer 's remorse clause on XXXX to the original store. 
I paid all restocking fees and have the original sales receipt as well as the original return receipt. On XXXX I received a notification on my credit report that an account placed into collections on my credit report. And is know showing as an active collection on my credit report. I returned all the equipment and canceled all service. This Debit is not valid, and I have not received any prior notice of attempts to collect this debt to give me a chance to dispute this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket mortgage has not payed my home owners insurance for 2019 enen thought funds are available in the escrow account. It was due XX/XX/2019. The insurance has canceled me. I have been notifying them of this issue for a week already.

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

Complaint narrative:
I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, XXXX and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account is showing as if it is open showing on my credit report every month that I failed to pay. It has been closed. Not showing the correct balance and information is incorrect. Spoke with people at capital one and they claimed they will fix the problem. This account needs to be removed from my credit report because of all the incorrect information and loan term. Loan term was not 90 months. Very incorrect information. 

Account # XXXX Original Creditor CAPITAL ONE AUTO FINANce - - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance Balance XXXX XX/XX/XXXX Original Balance {$22000.00} Monthly Payment Past Due Amount Terms 90 Months Responsibility Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : 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 2019-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name XXXX XXXX complain paypal balance because they close my account and hold my money I not seller I just use paypal like banking deposit my payroll check last time using my paypal cash card was on XXXX and next day with no warning I get email close account for violaction of terms but I call to request info, but no one tell me anything just sorry your money is hold for 180 days I was save {$1000.00} for specific things to pay and on balance {$31.00} total savings and balance {$1000.00} dollars on hold and not explanation the all please can you help me this is the company name Paypal.com XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I would an investigation done of the following collection account, I do not owe this and would like for it to be removed from my credit report. 

Portfolio Recovery A Opened XX/XX/2014 + {$1200.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would an investigation done of the following collection account, I do not owe this and would like for it to be removed from my credit report. 

XXXX XXXX  XXXX  Opened XX/XX/2014 + {$1200.00} Original creditor : 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 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I purchase a puppy at XXXX and its was super cute and all but the finance company made a deal with me to pay XXXX $ but American first finance!! is charging me more more everyday if I try to pay it off early and when I call them they give me a different story and reason every time its supper sketchy and annoying and it just gives me stress.i wish I was able to research the company before I went through with this, American first finance if you read this YOU GUYS ARE SCAMMERS AND LIERS dont trust them guys!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and XXXX XXXXXXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: ERC
State: CA

Complaint narrative:
I sent a debt validation letter certified to enhanced recovery company. They sent me a regular bill for {$100.00} which is not proof of validation. The bill also had an address I never lived at, heard of, seen before or been linked up to.

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

Complaint narrative:
I have been a victim of ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The following account should be removed from my credit report I do not owe this debt. 

Portfolio Recovery A Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and Portfolio Recovery A Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX  and XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : 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 2019-09-09 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: AZ

Complaint narrative:
I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, violence and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.

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 2019-09-09 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: FL

Complaint narrative:
I have been a victim of ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.

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 2019-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}

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 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}

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 2019-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Dear Mortgage Loan Servicer, First of all I appreciate your effort to convey information confirming the mortgage loan issued with the MIN ( XXXX ), that was provided. However, after dedicated communication with XXXX ( XXXX XXXX XXXX XXXX, it was made clear to us that the specific MIN number has been used to identify two mortgage loans in the XXXX System. While one of the loan issued was on one of the property location to be XXXX XXXX XXXX, XXXX, TX XXXX, the XXXX Record confirmed that the other loan issuance against our property addressed at XXXX XXXX XXXX, XXXX, TX XXXX. 
Moreover, XXXX team confirmed that the specific entry has been made by your company employee acting on behalf of service agent. 
Should this information is not correct, please provide a statement of fact that the " Specific Loan has not been issued by any lender, or by you ( Through any other means, fraud etc ), under penalty of perjury. '' Hope your prompt response and co-operation in this matter. 
Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 Consulting Services, Inc.
State: CA

Complaint narrative:
I have NEVER signed, or authorized ANY agreement, or done ANY business with Credit Consulting Services Collections, nor do I know who they are!!! This is a attempt of Credit Consulting Services Collections that I am certain is racially motivated threatening extortion, in addition to violation of the F.C.R.A. If this erroneous inaccurate racially motivated extortion collection attempt is NOT immediately removed from my credit bureau reports, I will be immediately filing a complaint in XXXX XXXX Superior court vs them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
XXXX XXXX purchased our loan in XX/XX/XXXX. As of XX/XX/XXXX until present day, I have had an online bill pay transfer occur every two weeks for {$1500.00}. Initially, our loan amount was {$2700.00} including escrow ( taxes and insurance ). I had asked that all extra be added to the principal. In XX/XX/XXXX, our family was living in XXXX ( my daughters and I resided there XX/XX/XXXX to XX/XX/XXXX, my husband is still there ). The payments continued. However, with the anniversary of XXXX XXXX on XX/XX/XXXX. Communications between the US and XXXX were VERY difficult and trying to get the funds transferred back to the US to replenish our bank account was not easy. I verified before making the change that I had two payments going out between XX/XX/XXXX and XX/XX/XXXX and I moved the XX/XX/XXXX payment to XX/XX/XXXX. Hoping we would have the ability to make the transfer by then. There were payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then we made two payments on XX/XX/XXXX and XXXX on XX/XX/XXXX. The next payments were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then another will go out on XX/XX/XXXX. We were reported to the Credit Bureaus for late payment in XXXX ( over 30 days ) and have now paid a late fee each consecutive month after ( XXXX, XXXX, XXXX and likely XXXX too ) but they have the money it is in their system, The system is the problem. I can send verification of all the payments. What I was told when I called on Friday, XX/XX/XXXX was that their system can not handle the way I have been doing the payments over the past 3 years this was the first time I was aware of there being an issue with how the payments were being made. The first time I was ever aware of the " late payment " was when I was reported to the credit bureau and XXXX XXXX notified me. I sent an immediate email via the website to the company and received no communication back via the email system. Now, I did receive a letter in my XXXX XXXX which my mother in law checked 2 weeks later. However, the damage was done. No calls were getting through to XXXX on my US number between XX/XX/XXXX and around XX/XX/XXXX ... so if they did call I did not get it. But the only message I am aware of sounded like a refinance ( consolidate your loans with us ) type of message. My credit score dropped by 100 points because of this from XXXX to XXXX. I have worked really hard to maintain an excellent credit score for myself and my husband.

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 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ), Telephone Consumer Protection Act ( TCPA ) and Fair Credit Reporting Act ( FCRA ). 

Unbeknownst to me, Diversified Consultants placed a collection account on my credit bureau reports and damaged my credit score/worthiness.I was also inundated with collections calls from DCI. Requests to cease and desist contacting me were disregarded, in violation of the, Telephone Consumer Protection Act. 

On XX/XX/2019 DCI was sent a letter asking to validate the debt. DCI did not respond to my request. Another debt validation letter was sent on XX/XX/2019. Despite the fact that the XXXX and XX/XX/2019 debt validation request letters were delivered and signed for, DCI failed to respond, in Violation of 15 U.S.C. 1692g Validation of Debts.

15 U.S.C. 1692g provides that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing certain enumerated information.

DCI has violated 1692e by using a false, deceptive and misleading representation in its attempt to collect a debt.5 U.S.C. 1692e prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

DCI falsely reported a collections account to credit bureaus that resulted in damage to my credit worthiness, in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation