vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 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: EMCC Holdings, LLC
State: CA

Complaint narrative:
I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX  XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, XXXX and XXXX  ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
On XX/XX/2019 I received letter from my bank that collection agency Mid Valley Collections Bureau had levied against my bank account for money owed by a judgment debtor. The debtor has a different name than me, but according to the collection agency he used my social security number. On XX/XX/2019 I sent letter to attorney for the collection agency, Law Offices of XXXX XXXX, and called to notify him that he had attached the wrong bank account. I spoke to XXXX XXXX, attorney handling the case, and he was indifferent to this information and refused to provide any information on the debt, stating that I was not a party to the lawsuit and he could thus not disclose any information. On XX/XX/2019, thru my daughter, I called Mid Valley Collections Bureau, not the attorney, and told them that they had levied against the wrong bank account and that the debtor had fraudulently used my social security number. They told me to call their attorney. I filed police report with the Sheriffs on XX/XX/2019 and complaint with the Federal Trade Commission on XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX dealership financial me a car {$16000.00} total to {$20000.00} .I made a down payment {$5500.00}. I left with {$14000.00} of 36 month payment. I have been calling Westlake Financial about record of my payment history. Finally today  XX/XX/XXXX I receive a email of my record and what I own left to pay my car off was a total of {$31000.00}. I was surprised in shock of this Cardealer Fraud me for months that I never have know this. First thing I called the financial about the bills the only things Westlake Financial could explain for me to deal with XXXX. that why I'm here today. I know this for a fact that no one will buy a XXXX car total to {$31000.00}. I rather will just Finance a XXXX cars for that amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: MA

Complaint narrative:
I applied for a XXXX account and XXXX reported on an account that I never had and reported me as owing XXXX result and reported this to Experian, XXXX I do not have any accounts with XXXX at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
This company continues to apply payments incorrectly after asking them to apply to principle. They make it very complicated on all matters. I have set up payment arrangements and they refuse to adjust if needed. They offer for you to speak to one person " the account manager " who is never there. If you inform them it's not a fair practice, they leave you on hold continuously as punishment. Recently on XX/XX/XXXX and XX/XX/XXXX they refused to allow me to change my payment amount. This company reports you to the better business bureau incorrectly. If you review other customers online we all complain about the same issues. Their practices are not regulated therefore they could care less about the customer. A consumer lawsuit is on the horizon due to all of their unethical practices as a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In about XX/XX/2018 a few weeks after giving birth to my XXXX  child I went to XXXX XXXX  to get a car. I was looking for a truly affordable option for my family so that I could get around town and after unpaid maternity leave get back to work. I had a down payment of {$1500.00} and decent credit. While working with the salesman and the loan officer I didnt feel listened to in terms of what payments I could afford and the price continued to grow and the interest rate was insane. I was advised to pay in time for a year which I have done so over a year now and then refi. I am unable to do so with my current lender Santander consumer USA and my bank is asking for me to put over 4-5k down in order to have the option to refi. I am currently underwater on this car and have no way to get out of the loan and the payments be have become unbearable with my current daycare costs. At this point I feel like I have no options and I feel like I was locked into a deambular that instead of helping me to help my family is hurting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
My mortgage with Suntrust Bank was sold off to another company in XXXX this year. I am trying top refinance but the data Suntrust supplied to the credit reporting agencies was missing or not complete. I called Suntrust weeks ago and asked for a 5 year record of my payments on my mortgage ( #  XXXX ) and was told they would only mail it. It's been a couple weeks and I have received nothing. I aske if the could email it but that wasn't an option. This is holding up my loan application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: College Lending Solutions of Salem
State: LA

Complaint narrative:
Consumer needs loans approved me for XXXX $ then I was at XXXX tp go get my money from money gram then they told me to purchase a XXXX play card for XXXX $ and I did and sent them the information and now they said my loan was denied

Company response to consumer: Untimely response
Consumer complaint received 2019-04-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for credit with Syncbjc Penney XXXX and they made inquiry without reason. I dont have credit with them, It is not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I am filing this complaint in response to your letter or phone call dated CHOICE RECOVERY INC # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Original Creditor : Continental Fin Co Two Different Amounts {$230.00} - {$700.00} Amount Claiming Owned XX/XX/2019 Date Reporting On My Credit Profile **** Requesting **** VOD Validation Of Debt **** Account Status Reporting Negatively Hurting My Credit Profile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: MA

Complaint narrative:
Experian is reporting a XXXX point credit score decrease, when there is no valid reason for the decrease. XXXX reported erroneous information regarding my having an account with XXXX which I do not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor Aqua Finance was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from XXXX XXXX XXXX, XXXX. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for XXXX XXXX XXXX, XXXX and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at XXXX. She informed me that they represented Aqua Finance. I told her the debt that we had with Aqua Finance was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that Aqua finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that Aqua Finance had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for XXXX XXXX XXXX, XXXX to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of XXXX XXXX XXXX, XXXX on behave of Aqua Finance, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
NOTE : This is not a duplicate complaint. 

This is a complaint for violations of the FCRA. Specifically the violations of the following section ( s ) of the FCRA Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

On XX/XX/XXXX NAVIENT granted a retroactive forbearance on my federal consolidation loan ( s ) effective from XX/XX/XXXX to XX/XX/XXXX. Prior to granting the retroactive forbearance they reported my loan ( s ) as being late in XXXX, XXXX, and XXXX of XXXX by 90, 120, and 120 days respectively. After the retroactive forbearance was granted NAVIENT failed to fulfill its obligations under the FCRA to update the status of the loans with the CRAs. Further, NAVIENT continues to furnish inaccurate information to the CRAs regarding the status of my federal consolidation loans with them. Once the retroactive forbearance was granted payments were no longer due during the months being reported as late above. Under Section 623 ( a ) ( 2 ) of the FCRA Navient is required to update the CRAs with this new information as the old information is now inaccurate and requires updating. I have disputed this information numerous times and Navient refuses to correct this reporting error and comply with the FCRA rules. I have contacted Mr. XXXX XXXX at Navient and I have notified Navient that they are knowingly violating the FCRA and they refuse to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
AES/PHEAA - Last year, I was paying this student loan servicer over {$500.00} a month and had been for over 5 years. When I went to apply for a mortgage, my credit report showed that this company had put my account into collections. At that time, I paid off the account ( about $ 80K ) and requested documentation that showed how AES/PHEAA determined the account was a collection when I was paying on it for so many years. 

After much back and forth AES/PHEAA said they would take this account ( Account # XXXX ) off my credit, please attached document. However, it has been almost 5 months and this account is still is on XXXX and XXXX. They removed it from XXXX  only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 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: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc.
State: IN

Complaint narrative:
On XX/XX/19 received 1 page notice for a court hearing for garnishment. That is held on Monday XX/XX/19 per notice the date for XX/XX/XXXX. Garnishment in regards to a vehicle that was repossessed 2 years ago. & on my credit report shows the repossession & the account was closed. Havent received no documents or calls in regards to the matter until today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: CA

Complaint narrative:
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, Experian, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXXshowinghasveryseriousdelinquencywithmyaccountwhichisinvalid.IhavefirsttwolatepaymentsinXX/XX/2018andXX/XX/XXXXbecausecreditproviderdoesnotsendanydetailsorlogincredentials(accountdetails)inordertopaytheamountwithintimeframeanditswaspaidimmediatelywhenigottherequiredinformationabouttheaccount.duetothisdelay,ihavenotifiedwithveryworstcreditscoreandstatedasseriousdelinquencywithnumberofaccountsonlywithXXXX-XXXXhoweverihavegoodcreditscorebyotherproviders(XXXX-XXXX&XXXX-XXXX).

IhaveseenverybadscorefromSagestreamLLCwhichshowingas-XXXX.Iwouldliketorequest,pleasecorrectthiserrorandtakenecessaryactioninordertogetproperfaircreditscore.Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Woodlands Financial Services Inc
State: TX

Complaint narrative:
I have an account from Woodlands financial SVCS # XXXX that's still on my credit report that I paid off in 2017. I would like this account removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation