vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - I was informed by an apartment complex that I was applying to that my apartment application

was denied due to CoreLogic reporting that Fair Collections and Outsourcing collections agency has listed me as owing them over 3,000 $ in outstanding debt.
XX/XX/XXXX - After calling Fair Collections and Outsourcing four times, they have informed me that my social security number is listed in their system as being connected to someone elses name and birthday. I informed them that that is incorrect and that is my correct social security number, and no one elses. The company told me there is nothing I can do to verify this and they will not tell me any way to fix the situation or give me the information of the organization who sold this debt to them as being connected to my social security number. They told me it is possible that someone else has my same social ( which is impossible, and also untrue - i called the social security agency and verified myself. ) They constantly interrupted and raised their voices to me, even after asking to speak with a supervisor. This is causing me to lose an apartment when I am supposed to be moving across Texas in 5 days.

I have filed a formal identity theft report with the FTC and yet still, FCO refuses to give me information such as the name of the company stating that I owe them this debt.

I also would like to note that this debt is not present on any of my 3 credit reports, further showing that it is not my debt.

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 2018-04-17 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: OH

Complaint narrative:
I disputed a {$32000.00} on my Experian report that was submitted by XXXX XXXX. Experian did not investigate properly and concluded that item should remain on my report. I have no business with XXXX XXXX. I understand they bought the debt from a bank in XXXX. This bank XXXX XXXX XXXX has provided a fictitious amount. Also before now this bank has harassed and threatened my though phone and email. I did not incur such debt XXXX XXXX  stole my information and send a fictitious amount to experian from a foreign company and they put in my account without investigation. I had written to XXXX XXXX  and disputed this debt and they said nothing for over 1 years and came back to post this on my report in experian

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 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
XX/XX/2017 {$26.00} Would like to know how i owe this bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I have been making regular monthly payments, as negotiated for with Portfolio Recovery Associates, on an account that went into collections. They have continually ( monthly for years ) been reporting me as a failed payment on my credit report/history despite the regular payments. I previously filed a dispute on my report and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of 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 2018-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I called Transunion today to inform them that I had been a victim of their data breach and that there are some negative inquiries that are on my credit report. The first customer service rep said im sorry then hung up on me, the second would not help me in taking care of these issues. I did not authorize any of these inquiries and I would please like them removed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo alerted me via phone to possible fraudulent activity on my checking account. I immediately went to log in to my onlie account via the Wells Fargo App and found that I wasn't able to due to an incorrect password. After resetting my password and logging into my account I found that my account balance was incorrect. XXXX dollars had been transferred to my account and then taken out my via a non-Wells Fargo ATM in XXXX, North Carolina. Eight ATM transactions were made for a total of {$3900.00}. That same day I called Wells Fargo and reported the transactions. They then informed me that my online account had been hacked and that the money was a cash advance from my credit card account to my checking account. In speaking to Wells Fargo ATM/Debit claims department I informed that these ATM withdrawals could not possibly have been made by myself. I live in XXXX, GA and have not left the state in over 30 days. I have never given my pin number to anyone and that my debit card never left my possession. I received a letter from the Claims Assistance Center on XX/XX/XXXX stating that because the transactions were made using my card and my pin number that they were made by me or by someone with my permission. This is not the case. I was told there was no way to appeal the decision and that the only option I had was to request the documents used in the investigation. Which I have done. I believe that further action should have been taken by Wells Fargo. I can prove that I was not in the state of North Carolina at the times that the ATM transactions took place and I don't believe they can prove that I authorized someone to make these transactions. I have been with Wells Fargo for 7 years and if they had reviewed my bank transactions that they would find I don't use non-Wells Fargo ATM 's for large withdrawals and that I have never made 8 ATM transactions in one day before. I also have never made a cash advance on my credit card. I believe I was the victim of fraud and card cloning. I was treated unfairly by Wells Fargo when they didn't take into account my account history when they made this decision. They are now seeking payment for the cash advance and will not refund me the money taken from my account so it can be transferred back to the credit card.

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 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I recently received a notification from the credit bureau of a collections account from Receivables Performance reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX with Receivables Performance acknowledged the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I contacted Bank of America when I saw a charge on my account that I did not make on XX/XX/XXXX. I was advised to close my account and they would overnight me a card for the new account due to the fraudulent charge. When I did not receive the card within 2 days, I called back. That representative told me only that my card was not sent out but that she would get it sent out to me, again overnighted. I was not given any information about issues sending me a new card by either representative I spoke to previously. 

When I got home today on XX/XX/XXXX, I checked my mail, only to find a letter from Bank of America that my " credit request '' was denied. I called their " Customer Service '' to inquire why I still had not been sent a replacement card. only to be told that they needed to access my credit, in order to send me a new card. WHAT???? I did not ask for a credit limit change, and I was the victim of credit card fraud, how is this legal? And in fact, looking online, they had already changed my account number and transferred all previous charges to my " new account '', but they are denying me a card unless I give them access to my credit reports, which were frozen in XX/XX/XXXX due to Identity Theft, reported to the FTC. Why in the world would I open my credit reports to access when I have just been the victim of credit card fraud????? 

I have been majorly inconvenienced by this, as I have multiple accounts tied to this credit card for automatic payments, at least one of which has defaulted due to this issue. 

Can you help me please? I think requiring your credit be accessed in the case of credit card fraud can't be right. They changed my account, I can see it online, but they will not issue me the replacement card unless they can access my credit?????? They obviously processed the change already. I am the victim, not the criminal. 

Sincerely, -- 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 monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit INC is trying to charge me the amount of {$710.00} and I was never affiliated with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of 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 2018-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Genessee Financial
State: MN

Complaint narrative:
Genessee Financial XXXX  {$9600.00} I never got any infomation from this repossession are a notice of sell of this vehicle could you provide me with this information, i need proof of these notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I had federal loans serviced by XXXX which are ten years into repayment. I was told I would qualify for the PSLF plan and to contact XXXX XXXX. I did, and was notified that my loans and employer qualified and my loans were being transferred to XXXX XXXX. Three weeks ago I received an email stating I was given incorrect information and that my 8 years of payments with a qualifying employer would not count and I have to switch my payment plan. This new plan made my payments go from {$480.00} a month to {$1100.00} a month. Clearly if I could afford this payment, I wouldn't need loan forgiveness. They would also be paid off within ten years, making the program benefits pointless. Without any notice, I received a letter today saying they decided my payments- without changing payment plans- would go from {$480.00} to almost {$700.00}. I never even requested this or had any input. I've been on hold almost an hour and spoken to representatives who state they are " unable to help me ''. As a government entity, this company is an embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is an excessive amount of inquiries that should not be on my report. And many of them are duplicate accounts in the same time frame. I did not authorize these inquires that are on my Transunion credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. In accordance with the written instructions of the consumer to whom it relates. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. I demand the inquiries be removed immediately.

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 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.

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 2018-04-17 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: CA

Complaint narrative:
2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these XXXX XXXX XXXX at experian are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of XXXX 's breach and free monitoringof my credit reports!!! WHY are these XXXX at experian blundering away with phony fraudulent claims of collections?! # I never received any mail from XXXX at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about XXXX tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX XXXX state settled in my credit report and yet still continue with these vile scandalous collections

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 2018-04-17 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: NY

Complaint narrative:
Equifax has a block that wont let any consumers have access to my credit score. They have my information misinformed to where I cant access my credit report online since XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation