vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX GA and it was financed by Westlake XXXX XXXX in XX/XX/XXXX. I paid a few times about 3 months and then the drive shaft and tire rod went out. I had to pay to get that fixed and I informed the finance company that XXXX sold me a bad vehicle. They repossessed the vehicle aroundXX/XX/XXXX. They never informed me by mail, email or phone call that that the vehicle was sold, where it stored, how much it was sold for. Ive sent letters with no response by certified mail. According to GA repossession law Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. Unless youve signed an agreement renouncing your rights, the lender has to give you the opportunity to pay off the remaining loan balance and reclaim the car. This never happened. I would like the creditor removed from credit report or I will file a litigation next.

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 2020-07-30 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:
Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : 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 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Attention : XXXX XXXX Re : Midland Funding LLC Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the XXXX XXXX statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts. 

As a result, I have filed a police report. See attached. 

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the XXXX XXXX bill showing an address that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/20 BBVA " Compass Bank '' at XXXX XXXX XXXX, XXXX Texas XXXX improperly took possession of what the teller thought was a counterfeit ( XXXX dollar bill ). 

On XX/XX/20 The United States Secret Service was contacted at the XXXX Texas Field Office. The Special Agent indicated that the Serial No. { XXXX } which the bank alleges was fake IS NOT in their system as coming up as fake. 

Moreover, the same bill that Compass Bank at the above location is alleging is fake originated from Compass Bank @ XXXX XXXX XXXX. XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

So if the U.S. Secret Service is in error ( highly doubtful ) and Compass Bank at XXXX XXXX XXXX is correct ... there is still the problem that the bill originated with Compass Bank at XXXX XXXX. 

What I want is the {$100.00} to be returned to rightful owner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX  ), XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX XXXX [ XXXX  XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. 
We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/2020 I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/2020 letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. 
Approximately XX/XX/2020 I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX  as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX I signed. Copy of the application I received from XXXX XXXX XXXX is not copy of my application I submitted to XXXX XXXX. On XX/XX/2020 second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. 
Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. 
On XX/XX/2020 letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXX XXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. 
XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXX I received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXXfor a Walmart store card. I never missed a payment. In XX/XX/XXXX, the account was purchased by Capital One. I was not informed of the purchase, that my payment information would be disrupted, or that my payment arrangements with XXXX XX/XX/XXXX would need to be transferred. Because of this failure to notify, I continued sending payments to XXXXXX/XX/XXXX that were not registered by Capital One l, and therefore the account was marked 30 days late. I have two other accounts with Capital One. They have my correct address, phone number, and email on file. I was never contacted by these means. 

In XX/XX/XXXX I made a payment to this same account, I also make a payment in XX/XX/XXXX. Yet the payment was marked 30 days late in XX/XX/XXXXagain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Debt Collector, Mail Fraud, Threaten to seize property Can not prove contract Will not answer RESPA Violation RICO Violation Consumerist Violation FTC Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TN

Complaint narrative:
I LIVE IN XXXX, TN  BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS   THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I was contacted by the seller XXXX XXXX XXXX to transfer the money through XXXX, for {$500.00} for a handbag they were selling on the XXXX application. The seller preferred through XXXX and stated that she banked with XXXX XXXX  as this was the most convenient service. The seller provided me with her number and we were on the phone, as soon as the transaction went through, the caller hung up immediately. I called back and was blocked, I received a message reporting that the caller has not setup their voicemail. 

I contacted my bank, Bank of America immediately after this happened and was told that I would not be able to retrieve my funds, I explained the situation that it was a scam, but was told that there was nothing they could do. I said I have text messages but said that they would not be able to help. I asked why, they said that XXXX is not XXXX. I pleaded with them that I was scammed and was told it was my fault and neither XXXX or Bank of America reimburse.

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 2020-07-30 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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-30 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: TN

Complaint narrative:
I LIVE IN XXXX, TN BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS

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 2020-07-30 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: TN

Complaint narrative:
I LIVE IN XXXX, TN BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PAYPAL has run up {$87.00} NSF charges on my saving account which they were not authorized to use on a disputed charge. ON XXXX, XXXX and XXXX, they tried to colledct on this disputed charge at a cost to me of {$29.00} NSF each time. According to PAYPAL, I had a contract with XXXX on auto renewal and I needed to pay them. They have continued to harrass me emails to update my account to satisfy their charges all year long. the latest were XXXX, XXXX, XXXX and XXXX. I continue to block them and they just use another email address and they will not talk to me any more. 
_______________________________________________________________________ I tried an app from XXXX in XX/XX/2019, with a 10 day trial period, which I never used. My best contact with XXXX was with a robotic chat line with no success. They was no tech support or contact number. PAYPAL a year ago charged me {$69.00} and even then would not listen to me a year ago. XXXX had this on auto renewal without my knowledge or approval. PAYPAL paid again on this bogus charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: Freedom Mortgage Company
State: MO

Complaint narrative:
Due to an annual escrow analysis, it was determined that my escrow was falling behind Freedom Morgage 's minimum required buffer amount of {$600.00}. They notified me in XXXX ( during a pandemic and nationwide shut down ) via letter that I could pay in full, or, the balance owed would be added to my monthly payment. I reached out to them via email, phone and their website with no return engagements from any avenue. Proof of those attempts can be provided. 

My payment is on autopay via electronic check from my bank and I have paid an extra {$100.00} per month for years. 

They received my payment of {$1500.00} ( my required payment was {$1400.00} ) on XX/XX/XXXX. On XX/XX/XXXX, they added the additional amount to my total due to account for the escrow imbalance for a total due on XX/XX/XXXX of {$1600.00}, leaving a balance on my XXXX payment of {$39.00}. 

I caught it, added that to my XX/XX/XXXX payment and submitted the payment early. The funds were taken from my account on XX/XX/XXXX. Proof can be provided of that. 

They chose not to apply my payment of {$1500.00} on XX/XX/XXXX as well as my payment for the remaining {$39.00} received on XX/XX/XXXX until XX/XX/XXXX despite receiving it days/weeks earlier. Two weeks after applying my paymentsfor XXXX and XXXX on XX/XX/XXXX, they submitted a report to the credit bureaus that I was more than 30 days late for my XX/XX/XXXX payment and listed it as being the full amount late ( {$1600.00} ) Despite my providing Freedom Morgage proof that they received payment on XX/XX/XXXX and their claiming in a letter to me that funds are applied as they are received ( the XX/XX/XXXX funds were NOT applied when received ) they have refused to correct the error on my credit report. The result of their actions was a drop in over 100 points to my credit score based on a presumed {$39.00} shortfall. That money was received PRIOR to XX/XX/XXXX. 

It is my opinion this could be an intentional act on their part to drive up my interest rate for a refinance. They were aware that I was trying to refinance with them and had been working with them since XXXX on that. But even if I give them the benefit of the doubt, they are not acting in good faith with me, who in my almost 4 year history as a customer of Freedom Mortgage has NEVER paid them, or anyone else I have an account with, late. That information can also be verified via my credit report on all three agencies.

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 2020-07-30 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: NY

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX and   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.

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 2020-07-30 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: NY

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a purchase on my MasterCard debit card that I needed to dispute. I tried doing this through Citibanks XXXX app, but there was no option available to do so, despite online instructions indicating that there was. I then tried calling the customer service number and was asked to put in my card number. The IVR did not recognize my card number and would not connect me with a representative. I then tried the online chat support, and the representative kept referring me to the same instructions that I told him were not correct, and kept referring me back to the phone number that I told him wasnt working. He further refused to escalate the issue further and refused to file a dispute for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently check my credit and noticed this debt on my credit file. I called immediately and paid off this debt. I never received any calls, letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX  ), XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA 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