vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I have never been in association with this company. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through by someone other than me through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 explanation
Consumer complaint received 2019-09-19 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:
My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and XXXX who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: FL

Complaint narrative:
My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and XXXX who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.

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 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a high balance with Citibank. I secured a payoff check for XXXX through a real estate closing for the statement closing XX/XX/2019. The check was mailed on XXXX, XX/XX/2019 to the PO Box address provided to me through their app 's chat service ( XXXX XXXX XXXX XXXX, PA XXXX ). 

The check was received in their PO box by at least XXXX, XX/XX/2019. The check was then held and not posted until after they charged another month 's interest of XXXX. Although the attorney 's office confirmed that the check was cashed, the payoff is not showing on my account and my balance is now showing as XXXX. 

Citibank held the payment in order to charge additional interest.

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank is repeatedly calling me every day multiple times a day ( about 5-6 times if not more ). They are also contacting family members and none family members ( according to this last obnoxious person ). They are primarily dialing from a 614 area code as well as arestricted number. Today I never identified myself I merely asked if I was being recorded then the collector stated that she left a message for ME with Ms XXXX and I was supposed to call Comenity back? I am not related to any XXXX. This Call occured XX/XX/20 about XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts were done under fraud and I have disputed these accounts and they are affecting my livelihood. I first realized the issue when I found addresses on my credit report that did not belong to me : XXXX XXXX XXXX XXXX XXXX, PA XXXX, any accounts connected to this address are not mine and need to be removed. The accounts have violations of the Federal Credit Reporting and the fair Credit Debt Act. These accounts are causing financial hardship in my life. Its been a violation of my eight amendment United States Constitutional rights by which its caused suffering. These creditors have utilized predatory lending acts and practices that have caused me not to secure adequate housing and reliable transportation. Im an indigent person now that the Credit Reporting agencies fail to investigate and correct my disputes. If my issues are not corrected I will be forced to escalate this matter to Federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I was not agreed to lease the car, I trade a XXXX paid in full to purchase a new car XXXX but after the next day the finance Agent stated that I have a low score car dealership ( without no prove of it ) and no bank qualified me for a loan therefore, I have to lease the car with their company such is Lexus/Toyota financial services. It's fraud, why? the car was pick up cross off the street in pre-owned XXXX XXXX at XXXX XXXX, XXXX Florida to damage me intentionally. And, i believe my score was great for paying two cars loan successfully with the same bank. Lexus financial service refused to charged Lexus for the car loan or refund me my expensive, Toyota wanted to be responsible of the loan. It's unfair because I have rights. Florida recognizes two separate theories of recovery for damage occurring as a result of misrepresentation. One basis of recovery is for intentional misrepresentation ( technically, fraud is intentional ) and the other is for negligent misrepresentation. In other words, under Florida law, a party may be liable for misrepresenting a material fact even if the misrepresentation was a mistake, instead of intentional. Florida also seems to recognize a legal theory for " false information negligently supplied for the guidance of others, '' although it is unclear whether it is a claim that is truly separate and distinct from negligent misrepresentation. 
Under Florida Lemon Law Statutes. F.S.A. 686115. agreement is void and under Federal Trade Commission XXXX Fraudulent misrepresentation, it is a violation for Defendant or Defendant financial institution to tried to collect money or cause Plaintiff more damages in the credit report agencies to stop further credit availability. That will be a shame

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
In XX/XX/2019 my HUD counselor and I were told that a modification on behalf of my mortgage was approved and to expect the paperwork to arrive within 7 days, unfortunately that never happened and subsequently I was served with foreclosure papers. I am being charged excessive fees with no remedy to catch up or arrest the bombardment of fees and the ruin of my and my family 's financial life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, I returned an item to XXXX that I had originally purchased using the American Express Bluebird card. XXXX processed my return and provided me with a credit receipt. Moments later, I viewed my Bluebird account and saw that Amex had processed this transaction as a purchase instead of a credit. Amex out a hold on my my account for {$21.00}. I called Amex and they said that XXXX processed the transaction as a purchase and that they did not see a transaction for a credit. Despite me telling them that I had the receipt and transaction number as proof that it was a credit, they refused to lift the hold on my funds. About two days later, the XXXX credit came through despite Amex telling me that they had no evidence of the credit transaction. My funds still remain on hold with no help from Amex. I do not believe that XXXX caused the purchase transaction, but rather I believe that Amex is illegally holding my funds to capitalize on my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
ALLIED COLLECTIONS SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I have never been in association with this company. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through by someone other than me through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had a bank account with TD Bank. As an OPTION I decided to link my XXXX account to TD Bank. XXXX is a completely separate company from TD Bank. Unfortunately I ended up overdrafting and closing my TD Bank account. Since my account is overdraft they are now refusing to unlink my XXXX account ( my personal NON TD BANK account ) from their bank. That way any payments received via XXXX would be funneled directly to them. I stress again, this was an optional service I signed up for. I should not lose my access to a complete unrelated app due to TD Bank. XXXX has said that they are unable to delink from their end, that TD Bank has to delink, but TD Bank is refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account and was told that it would be removed due to it being identity theft as this account does not belong to me and may belong to someone else and or open fraudulently from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached to this complaint and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Being sued for a judgement for previous cred card debt to bank of america, in the amount of {$2900.00}. I am XXXX, legally XXXX, and my only income is my XXXX XXXX XXXX. After contacting a local law office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, i was told that this judgement would allow bank of america to garnish my social security and put a lien on my house until the debt had be repaid.

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 2019-09-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX bought XXXX from XXXX XXXX. They bought and forgave all unpaid debt when they incurred the company. I have a letter of forgiveness from XXXX stating I do not owe any dollar amount to the school. And they the debt has been forgiven. Also I filed bankruptcy in 2017 in which this item was included and the company refused to acknowledge or comply with the guidelines or results of the bankruptcy. At the time in 2017 I did not know XXXX had bought XXXX, so I included it in the bankruptcy.

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 2019-09-19 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: NJ

Complaint narrative:
I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2019 I received an alert there was an account added to my report as a collection from Credence Resource Management for XXXX the company is also apposing as an attorney as well with no contact info, I have no idea what this matter is as I am a victim of identity theft and it has been on my credit report for years, the company has not sent any validation, no written notice or I have no understanding of the debt so I am asking the company to remove this item from all my credit reports until you have all proper documentation and validation just putting the info on my credit report is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
E

VLEVATE RECOVERIES Llc MADE GAVE ME FALSE INFORMATION ABOUT A MEDICAL DEBT. THEY WERE A SCAM THEY NEVER SENT ANY VERIFICATION OF THE DEBT. THEY NEVER SEND ME THE VERICATION NEVER SENT ME A RECIPEPT FOR PAYMENT THEN AFTER I HAD MADE 2 PAYMENTS TO ELEVATE RECOVERY THEN A NEW COMPANY REPORTED THE A NEW SAME INFORMATION ON MY CREDIT REPORT WITH OUT CONTACTING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your assistance in getting this matter with Equifax resolved once and for all. Equifax is reporting inaccurate information on my credit file. Equifax is reporting that XXXX XXXX ACCT # XXXX & XXXX is late in XXXX and XX/XX/2019. This is inaccurate information in that these accounts has had a XXXX balance for over 4 years. How can an account with a {$0.00} balance have a late reporting during the time that it had no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
ATTENTION XXXX, On XX/XX/XXXX I received an alert from XXXX monortng services that their was attempted inquiry from, Company - American Express Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut. XXXX Phone No. XXXX XXXX XXXX XXXX and was blocked, but today on XX/XX/XXXX I received another alert that the inquiry in fact did go through and hit my credit report without my authorization. 
I've tried calling AMEX above mentioned company and it is impossible to get through to them, I need this inquiry removed from my credit report right away as it is impacting my score negatively and dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo would not review my business credit application until I unfroze by credit dossier with the discredited National Credit Bureau 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 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Global Asset Management Group, Inc.
State: TX

Complaint narrative:
GLOBAL ASSET MANAGEMENT HAS BEEN CALLING SAYING I OWE A PAYDAY LOAN COMPANY OVER {$3000.00}! .. THEY MAKE UP FAME ACCOUNT NUMBERS AND HAVE YOUR SOCIAL. I CALLED THE PAYDAY COMPANY THEY SAID I HAD AN OLD BALANCE OF OVER 7 YEARS AGO OF {$250.00}. I TOLD THEM I HAD PAID UP THIS DEBT ABOUT 2 YEARS AGO WHEN THEY CALLED ME BUT THEY DONT HAVE RECORD OF IT SO NOW THIS COMPANY IS CALLING ME BUT XXXX XXXX DOESN'T HAVE THEM AS THE COLLECTION AGENCY AND SAID FOR THEM TO PROVIDE ME MY ACCT NUMBER AND THEY GAVE ME A TOTAL DIFFERENT ACCOUNT AND STATED THEY WOULD START GARNISHING MY WAGES AND CHARGING MY CREDIT CARD WITH THE FEES I OWE THEM. I DON'T HAVE A JOB .. SO DON'T KNOW HOW THEY WILL DO THAT. THIS COMPANY IS SCAMMING PEOPLE THE NUMBER IS FROM MN - XXXX XXXX XXXX ( XXXX ) XXXX. BEWARE!!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-09-19 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/2019 my account was approved for the hardship program with monthly payments of {$23.00}. I have made each payment going forward and was notified that my account was past due. The letter from Comenity Bank doesn't state reporting of past due balance but simply details the layout of the hardship plan. I was never informed via mail or on the phone that they would report the account late after entering into the hardship program. 
Please see documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Bank is reporting my credit card with account number XXXX as being 30 days late with different dates on each credit report. XXXX  is saying I was late XX/XX/XXXX, XXXX is saying I was late in XX/XX/XXXX and XXXX  is saying I was late in XX/XX/XXXX. Please verify that I was 30 days late on XX/XX/XXXX through XX/XX/XXXX with this account because it does not match my records. Once you conduct your investigation on the payment history being reporting on this account, you will see that it is in violation of the FCRA along with FACTA 312 which is not right.

Company response to consumer: Closed with explanation