vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SIMM ASSOCIATES To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. This account and any other account associated with my social Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent  evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..

Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went into a Citibank branch to withdraw some money and was told I had a negative balance, my account had been locked and my XX/XX/XXXX Social Security check had been seized to pay down the balance. My ss check is a direct deposit. 

I have tried working with the branch managers in two branches to no avail. They just restate the problem. My problem, of course, is that I have NO MONEY. that ss check is my monthly paycheck and I am a senior citizen with no money ... O feel as if I have been ROBBED! 

I began emailing the CEO OF citibank to explain not only that her bank is out of compliance with a Federal rule prohibiting the seizure of ss checks that have been direct deposited but also every single person at Citibank has not had a clue what to do and tells me there's nothing they can do! I've tried to explain what Citi has done is illegal and I need my money back to live and the branch managers all look at me like deer in the headlights. One even said to me, " You'll figure it out! '' The CEO forwarded my email to an Executive Response Unit who read out of the CLIENT MANUAL like a ROBOT! 

i asked him if he knew about the rule that says in part that direct deposited ss checks are protected and the bank can not seize them! 

He told me that he was reading out of Citi 's CLIENT MANUAL and asked if I would like a copy!!! I emailed the CEO to close the loop so far and that her bank is out of compliance! 

Haven't heard peep since! 

I need help. Citibank is terrible. I have changed my direct deposit designation to Social Security 's bank ( A XXXX XXXX Card ). I started with that when I first got ss and I wish I had never heard the name " Citibank. '' They are dishonest and rude!

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 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
See attached letter to State of Maine which advised they lack judication. Referred to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cordoza & Wexler Recovery Services
State: IL

Complaint narrative:
Cordoza and wexler services comstantly call me about a civil lawsuit for money owed on a debt. I do not have any passed due bills or accounts. I do not know how they got personal information about me. They keep calling me asking me to confirm information. I refuse to do so because they appear to be a shady company that tries to manipulate people into paying money that person does not owe. They left messages over the phone claiming i can pay them directly. One person even called me a liar repeatedly when i told him that he was a scam artist and that i am not the person he was looking for. His name was XXXX 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 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
On XX/XX/2018 a default judgement in the amount of {$5000.00} was entered against me in a Civil Case in XXXX XXXX County court that was not the Court in my immediate area. I was never notified by by Persolve LLC that I owed them a debt, nor was I informed of what the debt is for prior to them filing suit. I still do not know what this debt is they fraudulently claimed they served me at a business postal box. They shared information regarding the lawsuit with the business owner who informed them I no longer had an active mailbox with them and could not accept any documents. The individual then yelled at her stating she had to accept the documents. When I returned to the area and wanted to establish a mailbox again the owner informed me that someone had come in there and yelled at her. She was not provided a name and since I had no knowledge of the case I was not able to figure who or what she was talking about. I was never provided any court dates to defend my rights to respond. They fraudulently moved forward with a default judgement in a Civil Court case, if the  debt is even valid ; knowing I was never served. 
- No Notice to Dispute Debt - Debt is Unknown - Fraudulent lawsuit, never served to respond - moved forward to get a default judgement knowing I was never served

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit score went down from XXXX  to XXXX. In a day. When I contacted equifax for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is equifax, XXXX and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Innovate Managed Holdings, LLC
State: NC

Complaint narrative:
I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: OH

Complaint narrative:
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.

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 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I had a vehicle loan from XXXX XXXX XXXX. The vehicle was involved in a flood. The vehicle was totaled by the insurance company. I was fully covered including GAP insurance. The GAP insurance paid the loan in total. XXXX placed two late payments on my credit report. I have disputed with the company and through the major credit bureaus. I have been unable to have the information removed. I never had any late payments on this vehicle.

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 2018-06-07 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: FL

Complaint narrative:
I opened a XXXX XXXX account, XXXX XXXX and a XXXX XXXX account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be XXXX  in 6 weeks because our credit score is effected dramatically and we can't buy a hous or even rent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: FL

Complaint narrative:
I filed a Dispute with Synovus Support concerning three ( 3 ) fraudlent transactions. I had been asked for proof concerning one ( 1 ) of the transactions. ONLY one of the three ( 3 ) transactions. I then provided that requested proof. 


On the XXXX I called Synovous Support and learned that they had taken funds from my account claiming they denied one of the other two transactions because the original rep made a misatke and ALSO listed that item as though I had needed to send in proof for it even though the rep had NEVER asked me to! 

The disrespectul phone rep I first spoke to on the XXXX kept dodging and ignoring me EVERY time I stated this made NO SENSE and that it was an error. She kept simply repeating " You will need to submit the proof you were required to '' and " but it is unlikely the dispute will be reoppened anyway. ". 

That was INSANE! 

She kept ignoring me and repeating the above like a broken record until I asked for a Supervisor. 

She then simply hanged up on me! 

No repsect what-so-ever. 

It is not my fault that the original rep made a mistake, and I did not deserve this treatment from Synovus ; 's rude staff! 

It is clear they have no interest in even admiting their staff 's mistake, even less addressing and correcting it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
The company identified above only provided a response in request to the application of the payments. The premise of the complaint was based on the partial application of the monthly payments as the company was taking money that was meant to be fully applied to the outstanding P & I and applying partial of it to late charges every month therefore reducing the amount being applied to the past due P & I. Late can be satisfied upon maturity of the loan so it does not hinder the myself, the consumer 's ability to catch up on past due P & I. Why would a financial institution be allowed to satisfy their late payments before I can satisfy my past due P & I. IE. I I pay {$200.00} towards past due P & I and they only apply {$170.00} to past due P & I and the remaining to their late fee. This does not sound consumer friendly. Per the CFPB Loan Servicing guidelines. you can not pull late fees from a monthly payment to satisfy any fees incurred prior to satisfying past due payments. Which is therefor reducing the amount of monies being provided to catch up any past due payments. If you look at the application of late fees and total the amount they have reduced trying to catch up monthly it would drastically reduce the amount past due and would allow me to bring my loan current. Fees as high as {$55.00} were deducted from my monthly payments when trying to catch up and this has been happening on a monthly basis for more than 6 months now. The company has flat outright lied to you as the original breakdown we previously requested identified nothing that was provided by the compliance manager in the previous complaint. I am wishing for the reversal of late fees and those to be applied to the monthly outstanding balance to reduce the delinquent amount owed so I can satisfy and bring current. I am also requesting copies of all correspondence prior to this complaint to be upload in the system. This letter should be dated for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have tried to pay the lease amount for the month of XX/XX/2018 but there was GM website error that showed XXXX $ due that let me to understand that there still time to  pay. 

Also GM Financial did not report to credit bureau every month due to some convergence issues. I have been monitoring my creit report every month for past 6 months and this did not show up. I also did not get a curtesy call from GM that my payment was late. 


Considering all these issues, I request GM Financials to help remove the latepayment as a onetime curtesy due to these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit bureau is in violation of FCRA, GRAMM- LEACH- BLILEY ACT and 49 CFR 801.56 among  others.

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 2018-06-07 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: Dealer Funding, LLC
State: NC

Complaint narrative:
I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX   XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-07 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: OH

Complaint narrative:
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: OH

Complaint narrative:
sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.

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 2018-06-07 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: VA

Complaint narrative:
My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX  for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, XXXX and transunion. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.

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