vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
This has been going on since XX/XX/2018, calls started with XXXX XXXX XXXX trying to collect on a debt they said was placed with them from XXXX, I explained I didn't owe anything on a loan with XXXX that it has been paid off. Calls continued, I contacted XXXX  on XX/XX/2018, and was told I didn't have a loan balance and the loan I did have was placed with XXXX and had been paid off. I explained this to XXXX XXXX XXXX, but the calls persisted. I've never received a collection letter, or correspondence of any kind except for the phone calls. Last person I spoke to at XXXX XXXX XXXX was XXXX XXXX XXXX. I spoke with XXXX, said loan was " paid satisfied '' - as shown in attachment, spoke with several people their and they advised me as did XXXX that this was a " Scam ''. I have since been contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he also gave another contact XXXX XXXX XXXX XXXX, when I explained I didn't owe anything on this loan, he stated that XXXX or XXXX " probably didn't close out the loan ''. I then received a call stating I was going to be served a summons within the next 24 - 48 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westwood Legal
State: AL

Complaint narrative:
Westwood services called my mother threatening to come to my job if I don't contact them, They said they were delivering papers to my home, and kept calling from a restricted number, The number of the company is XXXX. The guy XXXX that I spoke with wouldn't provide their company info or their address. He would only try to lure me on saying that I owe a debt that I didn't owe. When I asked him to send the alledged paperwork in writing he became irrate. I don't owe the debt, and I wish they would stop harrassing me.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
the account shows missing payments and delinquent. That is not the case. The Account is current and has been current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's Equifax XXXX and XXXX I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
A few months I sent a letter to portfolio recovery stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from Portfolio informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from portfolio which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX GOLDKEY CRED XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very se GOLDKEY CRED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: NC

Complaint narrative:
A collection item appears on my credit report I have contacted the credit bureau and the creditor requesting the item be removed as it is a fraudulent account opened in my name ... .The date the account was opened I was not of legal age to even sign a contract I asked for a copy of the contract bearing my signature and it was not provided ... I believe the account may have belonged to my deceased father XXXX XXXX instead of my self XXXX XXXX ... please remove this item ASAP I have provided drivers license to show proof of age and birthdate

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 2019-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
The vehicle was in a accident in which XXXX refused to cover a valid claim. Damages were paid for out of pocket and since those funds were usually allocated for payments the funds XXXX did send were signed over to the bank. XXXX has underpaid the claim and I am still awaiting the rest which would have brought the balance current. The bank has now charged off the vehicle even though XXXX owes the balance due to fix it which was paid by me and would be sent to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A few months I sent a letter to XXXX XXXX stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from XXXX informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from XXXX which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I just received my credit report from XXXX  and it is showing a Sears/CBNA acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called Sears and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current 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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  XXXX and Transunion I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  Experian and XXXX  I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was denied for this credit card, but it still shows up on my credit report that its active. I dont understand why when I never received a card or was notified of anything only that I was denied. So I dont think it should be on my credit If I never received it or am I using this card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: I.C. System, Inc.
State: NC

Complaint narrative:
A collection item appears on my credit report I have contacted the credit bureau and the creditor requesting the item be removed as it is a fraudulent account opened in my name ... .The date the account was opened I was not of legal age to even sign a contract I asked for a copy of the contract bearing my signature and it was not provided ... I believe the account may have belonged to my deceased father XXXX XXXX instead of my self XXXX XXXX ... please remove this item ASAP I have provided drivers license to show proof of age and birthdate

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 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
The XXXX Fire of XX/XX/2018 destroyed my second home as well as the wellhouse,  workshop, water tanks and solar power on my XXXX acre Ranch in the XXXX XXXX mountains above XXXX. I have a mortgage on the property at City National Bank. In XX/XX/2018 XXXX XXXX paid out my buildings insurance in the amount of {$480000.00} plus {$48000.00} with checks made out to myself - XXXX XXXX - and City National Bank. XXXX deposited those checks, telling me they were in a money market account. It was almost three months before they would give me the details of that loan account. In the period since that money was deposited I have asked for the regulations or protocols governing the banks disbursement of those funds in a case like mine, where I have urgent costs for repair, rescue and recovery before I can get to the rebuilding. I have not received such information from the bank. XXXX has repeatedly ignored my requests for information and persists in treating that insurance payout and the funds therefrom as a loan for which I am applying to them for a new build. They have not acknowledged my circumstances except in the most cursory way. They have shuttled me from one customer " care '' advisor to the next, I am now on my third team of allegedly helpful advisors. None of these people has made the slightest effort to adjust their assertion that I am borrowing for a new build, to an understanding of the realities of catastrophic fire destruction at a property like mine. Instead they are letting time go by, shifting me from one person to the next who then takes a lot of time to " review '' my documents, which are a series of increasingly desperate and upset appeals to them for assistance with funds for emergency expenses associated with my position. I still do not know when and how these people intend to disburse the funds that XXXX have allocated for me to spend on the recovery and repair that has - in order to mitigate further damage and decline at the property XXXX allege to have an interest in restoring - already cost me a great deal. I am deeply traumatized by the fire itself, but almost more so by the callous and cavalier attitude of City National Bank - a small bank that I chose because of its personal touch. Personal and personable up till XXXX of last year and the aftermath of the XXXX Fire. I literally don't know where to turn. I don't want to hire a lawyer and spend money to go after this money, but I can't see how else this will be resolved. I have hired an architect to help with planning the rebuild and from the insurance company and XXXX County we have only received help and warm, consoling advice and support, whereas we have had to struggle with the bank for them simply to pay the architect for his retainer. I have documented the correspondence and can share all the information you might need to look into this. I beg you. Please help me to unravel this knot?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: DE

Complaint narrative:
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an  account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit 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 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In XX/XX/2018 I received a collection notice from XXXX acting on behalf of paypal as a creditor. It is a charge for {$27.00} for a debt incurred by someone else who is operating a paypal account in my name. After much back and forth I finally got to talk to a paypal expert. He said that there were dozens of fraudulent accounts in my name. All you need to set up a fake account is my SSN and mothers maiden name. He didn't dispute this charge was fake since it was listed to a bogus email account XXXX. But he stated that paypal was not responsible since the thieves did not steal the SSN information from them. " It was my problem ''. I never received a follow up from paypal, but also no more notices. 

Until XX/XX/XXXX when I received a new notice from XXXX XXXX XXXX ( for a different debt ) I feel Paypal is responsible for doing proper due diligence on the folks that open up accounts.Pretty much everybody 's SSN is stolen so that is not an excuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: NC

Complaint narrative:
I just received my credit report from Experian and it is showing a XXXX/XXXX   acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called XXXX and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current 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 non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: IN

Complaint narrative:
Unauthorized withdrawals were made in XXXX and XX/XX/2019 totaling approx {$900.00}. From government issued card XX/XX/XXXX. ( Widows pension )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IN

Complaint narrative:
The Law Offices of Mitchell if fraudulent reporting a negative item on my XXXX file. I have filed with the FTC under fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
why was I not notified about this company and the compensation for failing protection against foreclosure. 
Consumer Financial Protection Bureau Takes Action Against XXXX XXXX for Failing to Provide Mortgage Borrowers with Protections  Against Foreclosure XXXX XXXX to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices XX/XX/2017 as you can see from documents and XXXX trying to get loan mod for me and them at XXXX XXXX outside auctioning my home to XXXX XXXX  ( same day ) asking for more documents. and HAMP guidelines state ... the lender must give so many days between asking and getting documents and foreclosure on the borrower. I was never denied and the proof is in the XXXX document

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 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
All debt had been paid by my insurance company, I already check it with my insurance company.

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