vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX  XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX. 

After attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame. 

The conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction. 

Section 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include  deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets  forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I spoke with Wells Forgo about refinancing my car loan. At that time the information I received I knew there was no need to run my credit. There fore I asked them not to, but they did without my consent anyways.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
No loan was taken out but there are several soft inquiries from the company on my report as recent as XX/XX/2018, hadnt been in contact with the company nor have I given them the approval for running anything in my name. Tried contacting them several times and hadnt had any luck with them stopping

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: UT

Complaint narrative:
On XX/XX/XXXX I closed my XXXX Acct and it was paid in full. I've explained this to 2 other collection companies, as well as a lawfirm after receiving information from them by mail about an alleged collection of {$340.00} they too were trying to collect from me. I sent these prior collection businesses the information regarding my XXXX Acct being closed and paid in full. Nothing more was heard of from these debt collections about this alleged outstanding debt until XX/XX/XXXX, when I received an email from XXXX advising that there was a new Perfection Collection account added to my XXXX credit report. I knew nothing about this company nor their alleged {$940.00} collection which they claim I owed them since XX/XX/XXXX. I filed a complaint with XXXX on XX/XX/XXXX stating that I knew nothing about this collection agency or their collection account against me since I had NEVER been contacted by Perfection Collection so I really had no knowledge of them or their alleged {$940.00} debt claim against me. Because I was able to get Perfection Collections information off of my XXXX credit report I XXXX the company 's name and located a match which directed me to their webpage. On their webpage, under contact us, I was able to send them a message on XX/XX/XXXX. In my message to Perfection Collections I informed them that my XXXX account was closed and paid in full on XX/XX/XXXX. I put them on notice to take their illegally reported collection off of my credit report immediately or I would take other action against them. I told them that I thought it was illegal for them to file a negative report to the credit bureaus without any attempt to notify or contact me. To make this easier for them to see that I had already handled this debt and previous attempts to collect on it, I sent them a copy of the email correspondence to and from XXXX and to and from the lawyer that also tried to collect on this debt in XX/XX/XXXX. As of XX/XX/XXXX, I have not received any type of correspondence from Perfection Collection nor have they attempted to contact me. On XX/XX/XXXX I filed another dispute with XXXX regarding Perfection Collection 's illegally reporting a negative report against my credit claiming I owe them {$940.00} as of XX/XX/XXXX stemming from an alleged outstanding debt they claim I owe XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient received payment in full on XX/XX/XXXX. They did not apply until XX/XX/XXXX. They are now sending a generic letter about when check clears. Please it has been 10 days the checks have cleared and still they are refusing to release co-signer and admit the payments are in full. Still getting invoices even though with -0-. These loans should have been included in Chapter XXXX, they continued billing interests and false reporting, yet I paid them ( when probably I should not have per recent cases Bankruptcy and Private Student Loans ). They mishandled my Federal Loans and Private Student Loans. Modifying the interest to make it impossible for me to pay it  down continuously raising the interest at their whim.. So, I had to find a way to pay in full. Even then they are still refusing to admit these are paid in Full and send a Paid In Full pay off letter making up a story about check clearing. Please the loans are settled and should indicate as such. They should reflect on website, CRAs and stop invoicing me and co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Today once again this company has placed a debt on my credit i do not owe. It has been previously blocked after placing the FTC report months ago and I believe it added the balances together to resubmit a different amount. If it is somehow a new debt I could not possibly owe it since my platinum ppo blue shield health plan covers 100 % of hospital visits and it is a billing error on the part of XXXX. This is the abuse that can cripple chances for folks to ever get ahead. I have attached a copy of my health info witch would completely invalidate such a debt. 

This is nothing short of extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus. I didnt receive any notices of my rights to dispute or any any information to verify the debt which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX, XXXX and. XXXX credit reports as a collections account. Therefore I am requesting that it be removed from all of my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Accounts Research, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under Accounts Research Inc. ). And on XX/XX/XXXX, I sent a letters to XXXX, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus 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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX ( XXXX ) for {$380.00}. I received an email with a copy of a letter from them confirming the debt has been settled/paid off the account on XX/XX/XXXX and later received same letter by mail a week later. 

I disputed the account through XXXX on my TransUnion credit report to update my credit file to show that the account has a XXXX balance and has been settled. The dispute return results were returned on XX/XX/XXXX with the following results : Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
This account is settled. 

I again disputed the account on the report directly with TransUnion on XX/XX/XXXX and mailed a copy of the letter from XXXX to TransUnion on XX/XX/XXXX. The dispute results were returned on XX/XX/XXXX, which means that did not wait to receive the letter before making a decision. The dispute I submitted was a manual dispute that required them to wait for the letter or any other attachments for the dispute before making a decision. I later received a copy of their dispute results on XX/XX/XXXX by mail. 

Investigation results for the dispute : Investigation Results - Verified As Accurate : The disputed item was verified as accurate. 

I enclosed a copy of the letter from XXXX, the confirmation for the manual dispute on XX/XX/XXXX for the account, a copy of the letter I mailed TransUnion for the manual dispute on XX/XX/XXXX to reference the dispute, and a copy of the results of the dispute from TransUnion on 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 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Under Florida law, extrinsic fraud constitute fraud upon the court. XXXX v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), superseded by rule on the grounds as stated in XXXX v XXXX, XXXX XXXX XXXX, XXXX XXXX ( Fla. XXXX DCA XXXX ) . In XXXX   v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), the Florida Supreme Court relied upon XXXX  to distinguish extrinsic fraud from intrinsic fraud, emplaning that extrinsic fraud occurs where a defendant has somehow been prevented from participating in a cause. 

Extrinsic fraud involves conduct which is collateral to the issues tried in the case. Moreover, the courts defined Extrinsic fraud as the prevention of an unsuccessful party from presenting his case, by fraud or deception practiced by the adversary ; keeping the opponent away from the court. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida, is the debt collector for Flagstar Bank. A foreclosure action was filed and we responded to the court by requesting additional time to respond to the compliant. When a defendant files a motion for enlargement of time, tow things may occur, 1. The court may set the hearing date of just enter an order either granting the time. 2. The plaintiff may also set the hearing date, however under Florida Civil procedures, plaintiff must serve defendants with notice of hearing, without you can not expect the defendant to show up when not receiving notice. The debt collector for Flagstar has engaged in unlawful civil practices such as Extrinsic fraud by not serving us with the notice of hearing seeking the court to enter default against us. We want to make the CFPB aware that Flagstar Bank has taken this unlawful fraud upon the court in retaliation of the two open complaint referenced under No. XXXX, and complaint no. 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 2018-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
My account with ace went into collections when my wife lost her job and we were struggling to pay bills and we are back on our feet and currently waiting on back pay from the military for being on the XXXX XXXX XXXX. On XX/XX/XXXX ( which isnt a payday ) my account was withdrawn by ace for {$410.00}. I called in panic and I was told there was nothing they could do by a manager and that he will ensure it doesnt happen again and he will stop the overdraft and that we can do that according to my contract. But I e signed a paper that says I dont want auto draft and he agreed and said he will fix it. Because of that payment I wasnt able to pay rent and eventually had to break my lease and move on XX/XX/XXXX because I couldnt afford all the late fees and double rent and was threatened for eviction. After being told he would fix it I didnt worry about it and would pay the loan in full in XX/XX/XXXX. On XX/XX/XXXX {$690.00} was drafted from my account which is another non payday causing overdraft and my first rent here in our new place I cant even pay rent again, my car note cant be paid again. I have a XXXX year old and a XXXX month old. I looked for my contract and couldnt find it anywhere, I also went to other loan sites from previous borrowers and found my contract but I cant with ace and theres no proof of it so I need to see it. Why on earth would you take money from an account that goes into collections when collections means I clearly am having trouble paying it back, like why?? And the payment amounts are large and inconsistent which is also unfair. The guy told me he would handle it and he didnt and I need that money back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under XXXX XXXX XXXX XXXX. And on XX/XX/XXXX, I sent a letters to Transunion, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus 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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a citi bank XXXX XXXX XXXX XXXX. XXXX decided they were switching to XXXX XXXX for XXXX XXXX. I told them I not want an XXXX XXXX Card and I did not want them to transfer my information to XXXX XXXX. Citi Bank said the only way to stop this was to cancel my citi bank credit card. I did this, but I still received a XXXX XXXX Credit card in XX/XX/2018. This means XXXX XXXX was given my information without my consent. Citi Bank gave my information to XXXX XXXX even though I expressly told them not to do so.

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 2018-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX and XX/XX/2018 I sent out dispute letters to Transunion Requesting that Transunion Produce the Original Creditors Documentation for my account. Each time that i receive my results the mail from Transunion which by the way are less than 30 days and only a few days between the time I send out my disputes to Transunion and Transunion reply/results, which leads me to believe that Transunion is not doing an Investigation at all! Transunion keeps giving me the same results 'ACCOUNT VALIDATED ', which i am not disputing the Validity of my account, I'm simply REQUESTING that Transunion Provide me with the Original Creditors Documentation for my account AS PER FCRA 609 ( c ) ( 2 ) ( e ) - A CREDIT REPORTING AGENCY IS REQUIRED TO HAVE A COPY OF THE ORIGINAL SIGNED CREDIT APPLICATION/DOCUMENT THAT WAS USED TO OPEN THE ACCOUNT VERIFYING THAT THE ACCOUNT BELONGS TO THE CONSUMER. WHICH WOULD BE ME.

Transunion keeps stalling and giving me the run around hoping that I will just go away but I wont. And if Transunion continues to Violate the my rights and the FCRA LAWS, THEN THIS COULD TURN LEGAL.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Credit Systems Intl has added a collection to my credit profile which has severely damaged my credit since I have no collections on my credit report until yesterday. I closely monitor my credit due to identity theft and fraud. They are attempting to collect on a debt from a company called XXXX XXXX. I have disputed this in the past as not belonging to me and the company was unable to validate the debt so it was removed two years ago. Again this debt is not mine and I thought this was established. Furthermore I have received no communication from either Credit Systems or XXXX XXXX prior to to this damaging information being placed on my credit report. No phone call, no letter. No communication once so ever. I was not given my legal right to once again dispute this information and prove I do not owe this bill. This original date of deficiency is in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This collection company named Amshercollection Services is reporting on all 3 of my credit reports. This is the 3rd company that is listed on my credit reports and has tired to collect on this debt. I called this company and they stated that they do not have this file or account but they are reporting on my credit report. I want this item removed from all my credit reports ASAP. This reporting is affecting my credit rating and my ability to receive credit. I was a victim of theft and someone received credit in my name. This account does not belong to me. Please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation