vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last XX/XX/XXXX, I filed a complaint against the credit bureaus to delete the Bank of America accounts opened in XX/XX/XXXX. I am a victim of mixed files and Bank of America sent me correspondence dated XX/XX/XXXX. In the correspondence, BOA is saying that they did an investigation and concluded that, " YOUR CREDIT FILE MAY BE COMBINED WITH SOMEONE WHO HAS A SIMILAR NAME. PLEASE CONTACT THE CONSUMER REPORTING AGENCIES LISTED BELOW TO HAVE THIS CORRECTED ''. So I did. I sent them a letter dated XX/XX/XXXX, and even filed a complaint against them with the CFPB and uploaded a copy of the letter from BOA which I am attaching to this complaint. Obviously, XXXX didn't care to investigate. They refused to delete this account that belongs to someone else. As a furnisher, it is your responsibility to correct this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CT

Complaint narrative:
On XX/XX/2017 I took a {$700.00} loan out with XXXX XXXX XXXX dba XXXX XXXX XXXX. 

After making several payments at extremely high interest rates ( 713.74 % ) I investigated the company. I discovered they are not registered to operate in the state of CT and what they were doing was illegal. I know that CT has the strongest laws in regards to payday loans. 

I contacted the company and told them I was revoking my ACH and I would not pay any more. They received {$1000.00} towards a {$700.00} loan. 

They did agree to close my account and mark it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: MD

Complaint narrative:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2018, I requested detailed debt validation to Portfolio from which I received no response. A second letter was sent but in the meantime, an attorney 's office mailed me a request for payment stating that Portfolio had contracted them to collect the alleged debt. A second letter has been submitted requesting once again very detailed information as stated by law for debt validation, so far without a response. All of my communication with Portfolio has been certified letter, so I do have concrete proof they are in receipt of my requested detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Credit Karma, LLC
State: MT

Complaint narrative:
Credit Karma Refuses To Update My Credit Report/Account Claiming They Are Waiting On XXXX  To Send Them The Updated Information. ( It's Been Three Weeks ) I Have Talked To XXXX   Several Times In That Time And They Have The Correct Personal Information And Have Confirmed They Have Already Given Credit Karma My " Updated '' Information, It's Only Credit Karma That Is Refusing Handle The Problem Properly To Correct My Account/Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
This company SYNCB/CARE CREDIT has reported in my account an old credit card from 2009 on my report says its closed but labeled revolving. Also when calling them to try to resolve this issue they say they sold it to XXXX XXXX. When trying to get ahold of that company they are no longer in business. So my question is how am I supposed to have this removed from my report if they wont even let me work out a payment arrangement or give me more details on the account?

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 2018-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX is charging me for an account I never had with them I paid XXXX  XXXX for my auto loan It was a hit and run XXXX my insurance company along with gap insurance fully covered this loan once it was hit by another car it was a total loss Once these insurance comapnaies paid in full this XXXX   XXXX  called all over asking for me where I was they wanted me to pay them this XXXX somthing and I never paid them I always paid XXXX  XXXX and always on time I always paid the whole time I had that car always you could ask XXXX XXXX so I'm not even sure where these charges came from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hello, My issue is with my Capital One Credit card. They reported me as a payment Late for the month XX/XX/XXXX and XX/XX/XXXX. The problem is that I set up automatic Payments back XX/XX/XXXX, on the mobile app. This was confirmed on my Moblie device. Keep in mind this credit card balance was {$380.00}, and I've never been late. So come XX/XX/XXXX, I get an alert saying My credit report had some changes. So check it, and find out XXXX XXXX had reported two months late. So I dispute this with all Credit bureaus and received the month of XX/XX/XXXX removed as a late payment. They will not remove XX/XX/XXXX, which is part of the same dispute. The investigation that XXXX  XXXX launched hasn't been fair and they continue to report wrong information to the credit bureaus. The customer service rep confirmed my story and assured me cap one would fix this, but nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: IL

Complaint narrative:
Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. 


Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Business Services, Ltd.
State: TX

Complaint narrative:
I need XXXX XXXX and Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX  XXXX in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXs five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXX XXXX   with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXXuntil it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX  and the receptionist of the XXXX at XXXX XXXX XXXX XXXXs. XX/XX/XXXX- After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XXXX, then XXXX  along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XXXX. This company is reporting a debt on my credit report that another company has. The other company, XXXX XXXX could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX  remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX XXXX  in XX/XX/XXXX. The XXXX of XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XXXX  Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I've contacted Transunion twice in regards to 3 inquiries on my credit report that I did not make. I advised that I suspected fraud. They informed me they couldn't do anything and to contact the creditor- XXXX XXXX. I contacted XXXX XXXX and was informed they could not do anything either.

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 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: FL

Complaint narrative:
I have received several letters from different credit collection agencies regarding an account from XXXX XXXX for the amount of {$460.00} which is being reported to all 3 credit bureaus XXXX XXXX XXXX  I have informed them in writing and verbally that this account is not mine and ask them could you please provide me validation of the original contract payment and interest fees validating that I sign for this account with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute with Experian for a collections account that has been placed on my credit report three times from XXXX XXXX XXXX because the account is fraud and is more than 10 years old, 2007 to be exact. When I disputed it the first time, Experian deleted it and then Experian immediately opened a second investigation because at that point, XXXX XXXX had placed the account on my report a second time, but today I received notice from Experian that " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. 

XXXX XXXX can not verify the account as accurate because it is fraud. This/these account ( s ) stems from XXXX XXXX charging me for utility services for an apartment that I sublet briefly in 2007!, sublet not rented, not leased in my name, and no utility legitimately opened in my name. I learned via a collection account placed on my credit report a year or two after subletting this apartment that XXXX XXXX allowed the tenant who was under lease for the apartment to connect utilities in my name and thereafter attached another fraudulently opened account open in my name for another apartment 5/6 years ago at an apartment where I did not live. This fraudulent account that XXXX XXXX is attempting to collect is not one stand alone account but in fact two fraudulent accounts that XXXX XXXX has combined and is attempting to collect. XXXX XXXX can not hold me responsible for utilities that were incurred as a result of fraudulent activity. The account charges are fraud. The first of the two fraudulent accounts stems back to 2007, thus is over 10 years old, and I don't know when they allowed the second to be opened, but it was 5/6 years go. The accounts are fraud and XXXX XXXX can not prove otherwise. 

Experian has repeatedly in the past removed this account that XXXX XXXX has sold to different collection agencies from my credit report because it is fraud ( and it is now over 10 years old ). Experian can not now claim that the information is verified as accurate when it's fraud. Just because someone has my name, ssn and birthdate doesn't mean the account they opened is a legitimate account ... that's why it's called identity theft.

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 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I previously had a BOA account which open but it has been over 120 days without activity as of XX/XX/XXXX. The last statement I received indicated I was over drawn due to monthly fees in the amount of {$32.00} ( estimate ) I was unable to put anything in this account until I made an cash deposit on XX/XX/XXXX in the amount of {$660.00} at BOA ATM. Upon making the deposit I called & was told the account was closed. I understand the reason, but I have been unsuccessful getting my funds returned or additional assistance on the phone. I was willing to pay the fees. However anything in excess should be returned. I attempted to get assistance over the phone & have been bounced around from department to department. I need assistance because if they are not willing to provide an account for me I need to be able to take my funds elsewhere. Please note the rep I spoke to onXX/XX/XXXX stated the funds showed in their system & she & her manager was confused why the card was still active. I did not know about the status of my account until after I made the deposit onXX/XX/XXXX & called 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 monetary relief