vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Credit collection- XXXX XXXX is collecting on behalf of XXXX for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: PA

Complaint narrative:
Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$2400.00} {$2400.00} This is not my account. Please remove

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 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called my bank once I realized my card was missing and when I logged in my mobile app I seen some checks were deposited into my account and also an unauthorized withdrawal and transaction was made that wasn't done by me.The bank never told me how to resolve this instead they closed my account and took my money and never reimbursed 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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called for my mother. She doesn't speak XXXX very much, so I called for her. 

During the call, the person wanted her to pay off a debt from 2004 from GE Bank. The woman " XXXX XXXX '' of " XXXX and XXXX '' stated that she represented a " group of lawyers and investors '' ... and then kept asking what would we like to do about it and if we didn't do anything, she would take my mom to court. 

I told her that I would like to settle a resolution, but I wanted to do my due diligence on the company before handing over any of our financial information. So, I started asking questions like who she was, what's her direct phone number, what company does she work for, what is her employee identification number or company identification, what state are they licensed in, what is the attorney 's name ( since she was representing a lawyer ), and what is the website that I can review. 

Besides her " name '' and website, she could not provide me with any information. The website ( XXXX ) was fake and it was created by XXXX ( the social logo was still XXXX ). 

After I kept asking about the information, she became irate and starting yelling telling her that " I'm trying to do you a favor '' while still refusing to answer my questions. 

This company is a fraud from all that I an tell.

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 2021-02-25 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: LA

Complaint narrative:
Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires and accounts I did not consent to. I will continue to dispute this issue until it is resolved. I will take legal actions if needed. Attached is 32 facts backed up by congress. Those 32facts are also violations, TRANSUNION has committed.

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
There is a {$96.00} account listed on my credit file which is unknown, I have disputed and requested validation and nothing has ever been received. I don't know what else to do. Please help DEBT REC SOL-XXXX Balance : {$96.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Name is XXXX XXXX XXXX please have it reflect that way on my report I have attached my passport for identity purposes. Please remove any other addresses expect for XXXX XXXX XXXX XXXX PA 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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
SAGESTREAM place a credit freeze on my credit profile without my consent. I have never heard of the company or want to place a freeze on my profile. I have tried to contact the company multiple times but there is no customer service. There is only an automate system to collect even more personal information. I also attempt the online request but nothing is complete for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I entered the XXXX XXXX dealership located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX to purchase a vehicle appr. XX/XX/XXXX right before the COVID 19 shutdown. My credit score was in the 600s and I was approved to get a vehicle. The manager, XXXX XXXX, did a bait and switch tactic last minute on a pre-owned vehicle that was sold to me for double the XXXX XXXX price, that is not reliable or operable, without allowing us time to do the research. I started pulling up the information while they were putting together the contract and disputed the car, and they pushed us into the vehicle, stating the reviews about the car were not true. The vehicle that was sold to me was a XXXX XXXX XXXX, and the hydrogen stations are usually non-operable, leaving me without fuel for the vehicle appr. 80 % of the time. When I realized what type of vehicle was sold to me, within 24 hours after purchase I tried to return vehicle to dealership, and the manager ( XXXX XXXX ) refused to accept the car. The car value was approximately XXXX and the bank finaned me for approximately XXXX way over value of car. The car has to constantly be towed to stations, as there are only about 3 hydrogen fuel stations in XXXX County, and they are usually out of service. This leaves me without a vehicle most times, and takes up an entire day to be towed. I have contacted corporate and corporate refuses to accommodate me, and instruct me to make payments on the vehicle anyway- they do not care if the car operates or functions efficiently. The management at the XXXX dealership, XXXX XXXX, seems to be participating in an insurance scheme on the car- as one incident several guys in a car came up to me in a vehicle at the station it was towed to and asked if I wanted to do a total loss on the car with their auto shop- insurance fraud scheme, and stated they knew XXXX XXXX at XXXX XXXX . I refused their advances and they would not leave us alone until we left. I am not sure what else to do but we are in a XXXX auto contract with a vehicle that is not reliable, the fuel stations do not work or exist over 80 % of the time. This car has left us stuck on the side of the road, having to be towed, and paying for XXXX or XXXX about every two to three weeks since it was purchased in XX/XX/XXXX. There are many complaints about this car that can be found online, another concern is the price they financed thr car for, recently the management quoted my car at XXXX trade in value, of which was sold to us at XXXX!! I am not sure what are my next steps, as I have contacted a few attorneys as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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:
There are numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: NM

Complaint narrative:
In XXXX I opened one XXXX XXXX account. XXXX and XXXX of XXXX I ordered items from my account. I log into this account with my user name and password associated with the account and my account number. I pay my bills before the due date and every month. I tried to order items and I was denied and XXXX XXXX said I didn't have enough in my credit line and I knew I had more than I needed for what I was ordering. I started to receive late notices in my name and I ignored them due to me paying my bill for my account prior to the due date. I opened one to find out it had a different account number. When I called XXXX XXXX to question the manner they said that they opened the second account, without my knowledge or consent. 
I spoke to several people at XXXX XXXX regarding the mysterious bills and when asking for a supervisor the agents said " you can talk with me ''. XXXX XXXX, XXXX One agent said that they were getting me to a supervisor and when that person got on the phone they never said who they were or what role. I don't believe I ever spoke with a supervisor. I spoke to the " supervisor '' on XXXX XXXX, XXXX they explained that XXXX XXXX merged both of the accounts. XXXX XXXX 's opening the second account put me over my credit limit and now they're demanding money past due and my account has been flagged. I believe their should be some compensated because I took this serious and XXXX XXXX didn't. It was stressful talking with agents representing XXXX XXXX and stress from their fraudulent act of the second account. I contacted them several times over months because I was concerned about my credit and they treated me terrible. The worst part is this fraudulent account they opened in my name is messing with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR

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 2021-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There are several accounts listed on my credit file from several companies all in the same amount, these are unknown, I have requested validation and nothing has ever been received and they keep on getting reported same amounts by different companies. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Texas Guaranteed
State: TX

Complaint narrative:
My trellis has place tax offsets to working class people who are affected by Covid 19 and the winter storms in Texas. As we tried to communicate with them they have the audacity to continue their collection efforts despite the current climate. They have bordered on illegal collection practices and refuse to correct wrong doing in their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I am in a VA Loan arrangement with Primary Residential Mortgage and they have made a series of erroneous payments from my escrow account dating back to XX/XX/2020. I have 27 documented attempts to reach them to resolve this matter and they refuse to cure the same. They are in breech of their fidicuary responsibilities in such and are also unresponsive to other regulators ( e.g. TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING ). 

Issues in summary : - They are debiting duplicate tax payments for my escrow account but only actually paying one of them. 

- Pursuant to the above, they are debiting amounts that otherwise were not issued out of the account. The tax entity sent me notices that tax obligations were not fulfilled exposing me to monthly penalties and potential for collection activity ( Ruin my credit and reputation ). 

- Primary Residential Mortgage also duplicated a debit to my escrow account for homeowners insurance ( e.g. debited XXXX in XX/XX/2020 and again XXXX in XX/XX/2020 ). 

Primary Residential has created so much impact that I was forced to find a new lender to align with a company that practices more integrity and uphold fidicuary responsibilities. Their accounting practice has created impact in my ability to transfer to another vendor thus is a practice holding me hostage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Trident Asset Management, L.L.C.
State: UT

Complaint narrative:
Trident Asset Management is reporting an erroneous collection on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I was completely unaware about any debt on my credit so I called and paid this off immediately. I never received any notices, calls or letters about this debt and that violates my 30 day right to dispute. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a federally protected consumer. I, XXXX XXXX was placed into a consumer credit transaction with Navient on XX/XX/XXXX. Pursuant to USC 6802 Navient never disclosed to me I had the option to opt out of this transaction being reported. The Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached by Navient. I mailed an Affidavit of Truth on XX/XX/XXXX with attached Exhibits A-Y showing proof Navient is in violation of 15 USC 1692f ( 8 ), 15USC1692e ( 9 ), 15USC 1692e ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692e ( 2 ) A, 15 USC 1692d ( 2 ), 15 USC 1692e, and 15 USC 1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My wife had planned a trip and used XXXX for travel arrangements. She used my credit card issued to me to pay for the trip. The trip was booked months in advance and my balance was paid off in full. Months later the pandemic struck our state of NY and the world. All trips were cancelled and a vacation was the last thing on all of our minds, nevertheless we contacted the credit card customer service and explained the situation. We were told no refund would be given, and that the policy is that no dispute of charge after 60 days. This was a {$1800.00} charge and I have tried on multiple occasions to resolve this. I have full documentation and proof substaniating my claim and the department refuses to reopen this matter. I still have the account ipen in hopes they will issue me credit. Attached are documents faxed multiple times to Barclays of Delaware. Please feel free to contact me for more info.

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 2021-02-25 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 don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX  XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}

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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation