vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland Credit made unauthorized payments on my account as shown in my last dispute and I had evidence. I have yet received any of that money back. Also the judgements and paperwork that was sent to an address that is not me and at an address I don't live at in another state. The person that is described in the paperwork is not a description of me I don't know who that is or who address that is. Please remove this debt. The person description given that is described in the documents is not me. I am pretty sure about it. And I don't live at any of the addresses that I provided. I am not caucasian, I don't know who they are talking about or who address that is. Its definitely not mine. I don't even live in GA. I bet if you send me a letter I won't get it, because I don't live in Georgia nor lived at any of the address I provided when you sent those " letters ''. I never even heard of cooling and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.

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 2020-12-23 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/2020 XXXX XXXX with XXXX XXXX XXXX called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called XXXX XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. XXXX XXXX said that he was collecting a debt for American Express and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called XXXX XXXX XXXX to gather information about the caller. XXXX XXXX freely discussed the debt until I asked for the name of the person who called XXXX XXXX earlier and provided information to someone other than person who they believe owes the debt. XXXX XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by XXXX XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I been reaching out to this company since XX/XX/2019. I been calling and getting no response, I also been sending in letters every month to dispute false debt. I'm frustrated because this debt is in collections on my credit report. The debt it totaling {$470.00} from XXXX and XX/XX/2019 and its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO

Complaint narrative:
On XX/XX/XXXX, we applied for a mortgage loan through XXXX XXXX to purchase a condo. We also signed a the contract to purchase the property on that date. We were provided a schedule of requirements, including a date in which we needed to place {$3000.00} in earnest money for the purchase. As we went through the process, we were told that we would be scheduled to close on XX/XX/XXXX. During the week of XX/XX/XXXX, we were then told that the lender, Paramount Residential Mortgage Group XXXX XXXX, dropped the ball and did not order a condo project review. This would push our closing to XXXX. On XX/XX/XXXX, we received a closing disclosure that we reviewed with our mortgage broker, XXXX XXXX. I questioned the total due at closing as the disclosure did not include the earnest money that we placed on deposit previously. When we questioned this, we were told that we would get a final disclosure once the title company balanced the numbers with the lender, so we signed it. On XXXX, we were told that our closing needed to get pushed again as the lender had not completed their review. The closing then got pushed to XX/XX/XXXX. I questioned getting a new closure, which I thought had to be sent to us 3 days before closing. I was then told no, they were still compliant. On XX/XX/XXXX, we were then told that the closing was not going to happen until XX/XX/XXXX. I still did not have a final disclosure with the total fees due at closing. On XX/XX/XXXX, we were provided with what was to be our final fees due at closing, I went to the bank to get a cashiers check. On my way there, I got a call that the final number had changed. When I arrived at the bank, I was told they had changed again. I waiting for a final call back to get the final numbers for closing. Again, I was provided final numbers a few hours before closing the loan. We closed the loan on XX/XX/XXXX at XXXX MST. We were done signing at approximately XXXX and then had to wait for the lender to review the documents and provide approval that they would fund the loan. We sat at the title company until XXXX XX/XX/XXXX. MST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23 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: FL

Complaint narrative:
I am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XXXX XXXX made unauthorized payments on my account as shown in my last dispute and I had evidence. I have yet received any of that money back. Also the judgements and paperwork that was sent to an address that is not me and at an address I don't live at in another state. The person that is described in the paperwork is not a description of me I don't know who that is or who address that is. Please remove this debt. The person description given that is described in the documents is not me. I am pretty sure about it. And I don't live at any of the addresses that I provided. I am not caucasian, I don't know who they are talking about or who address that is. Its definitely not mine. I don't even live in GA. I bet if you send me a letter I won't get it, because I don't live in Georgia nor lived at any of the address I provided when you sent those " letters ''. I never even heard of cooling and law.

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 2020-12-23 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 am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits

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 2020-12-23 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: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am unable to access the funds in my account and have requested to close my account, however I am told that I have to contact the state agency. Unfortunately I can not contact the state agency due to a lack of available assistance.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Inaccurate information of Bankruptcy on Experian report

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 2020-12-23 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: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I received a call that stated they had an important message for me. The number didn't show up, it only stated " spam risk '' because I have a filter on my phone. I pressed # 1 and it took me to a live individual that questioned me about a collection from GE Money Bank. 

They noted the following : -The account was opened in XXXX ; and a {$150.00} payment was made in XXXX that kept it current -The correctly stated my current address, last four of social and date of birth -They advised it was about to be sent to litigation I advised I did not know what this was and that I just bought a house last year so if I had any collections, this would have shown up. I noted that the one red flag I did have, was resolved prior to me purchasing my house in XXXX of XXXX. 

I questioned what was it for and she said she wasn't sure, it was either a line of credit or a car loan. 

I said I don't know what this is and if it was an account of mine I am sure it was paid because I have worked to clear my credit. 

She said well you sound sincere and since I can't explain it, I am going to remove it. I am concerned because she had all of my personal information correct except my full social and I am not sure if they can still commit identity theft.

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 2020-12-23 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:
Hello, I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown accounts. I believe I became a victim of identity theft, otherwise I can not explain their existence in my report. I have never signed any agreements or contracts with these companies. 
Please remove these accounts from my credit report.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, XXXX on XX/XX/2020, I called National Credit Adjusters about two credit accounts that were with XXXX XXXX. 
XXXX XXXX  sold the two credit accounts to National Credit Adjusters however, both companies are reporting the same account to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ascend Consumer Finance, Inc.
State: CA

Complaint narrative:
Ascend Financial does not have a valid contact information on their website. I have written letters and called every phone number that is associated with this company. Email is invalid and I can't seem to either get the loan paid off or removed from my report. At one time I thought I paid it off with a collection agency but don't have any information on them as I have done research to find they don't exist. This loan was for the amount of {$6000.00} opened on XX/XX/XXXX and last known payment on XX/XX/XXXX. A balance of {$4700.00} is still outstanding. I made payments of {$260.00} to an agency that I thought was applying those payments to this loan as I was told the loan was paid in full. I still find this account on my report and outstanding balance. This is their information listed on their website : ASCEND CONSUMER FINANCE, XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone # : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
I received a Netspend prepaid debit card as a gift in approximately XX/XX/XXXX. The card was not activated or used by me until XX/XX/XXXX. When I tried to activate it online, it told me to call Netspend because the card was expired. I called Netspend on XX/XX/XXXX and was told that the card balance, which was originally {$50.00}, had been reduced to {$8.00} due to a $ XXXX/month " inactivity fee '' which was charged for the last 7 months. 

This fee strikes me as an unfair/deceptive/abusive act or practice because it was not clear that the inactivity fee would start being charged from the time the card was purchased and given to me. Instead, any sort of inactivity fee should only apply after the end user ( myself ) has received and activated the card, at which time I would have been fully informed of the applicable fees. 

I am seeking a full refund of the {$41.00} as well as asking that the appropriate regulatory body investigate these deceptive acts and practices that Netspend is engaged in.

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 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2020 I noticed 26 charges from XXXX for {$90.00} all in a row and then there was one for {$26.00} and another for {$63.00} from a XXXX. I immediately called my bank, Fifth Third, to put in a fraud case, which they did. They refunded my money after 7 days and waited for the case. Well XXXX is saying they have my information and that these charges are valid, so my bank just believes them and doesnt fight it resulting in them adding all these charges back onto my account and over drafting my account by {$2200.00}. They didnt fight it, they didnt notify me, they just believed what XXXX said. They wont waive over draft fees that I will incur which is over {$1000.00} in overdraft. I havent had a XXXX in over 5 years and even when I did, I never played games or put in my credit card information. We strictly used it to play XXXX  Discs. My bank is not helping me out in anyway when Ive told them repeatedly these are fraud charges! 28 charges in a row, one right after the other, and they didnt catch it. I just need any help I can to get that money back. They told me to take it up with XXXX. Im desperate at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I been calling and sending this company certified letters since XXXX of 2020. This {$96.00} debt is not mine. I don't have a contract or agreement ever with this company. This collection is on my credit report and destroying my report.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Inaccurate information of Bankruptcy on Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have attempted to contact Credit Management in regards to reporting inaccurate information on my credit profile in the amount of {$520.00}. I am requesting that Credit Management follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expected to receive the proof requested within 15 days of the letter. They have continued to ignore my request for validation of the debt and I reserve the right under my consumer rights as specified under both the FDCPA and the FCRA for requested information above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
There account reporting from. SUNRISE CREDIT SERVICE ( Original Creditor : XXXX ) Is all ready paid and was removed a few months ago and now, this new company reporting again and i ask them remove 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 2020-12-23 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: DISCOVER BANK
State: CA

Complaint narrative:
My discover card with acct no XXXX was stolen and my card was swiped by unknown suspect and due to that incident my credit is ruined. 
My wallet was stolen on 2018 and I had talked to the customer service during XXXX or XXXX of 2018 and reported about this issue but they have not cleared this issue and reported me as charge off on the credit report.

Company response to consumer: Closed with explanation