vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter ( USPS ) from American Coradius International LLC, XXXXXX/XX/XXXX XX/XX/XXXX XXXX, XXXX . XXXX, XXXX, XX/XX/XXXX XXXX ( Ph. XXXX ). The return address on the letter is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The letter claims that XXXX placed with their office a collection in the amount of {$62.00}. 

Knowing this was a fraud but wanting to verity it, I immediately called XXXX and spoke to a representative. The representative confirmed that I have no outstanding debt with XXXX and suggested I send them a copy of the letter to XXXX. 

A search of the Internet for ACI disclosed that they have many negative XXXX reviews, with many of them stating that they received letters similar to mine claiming that XXXX turned over claims to them for collection. 

In the letter ACI states that XXXX has agreed that I can pay {$47.00} as partial payment if received by ACI on or before XX/XX/XXXX. The letter asks that a check or money order be sent to the address above or that payments can be made via their website : www.acibillpay.com. 

This case needs an on-the-ground investigator to review their books and processes. Follow the money. Let 's assume that an unsuspecting victim pays their supposed debt to ACI. Since we know that no such debit exists, where is the money going? Sadly, I'm confident that ACI has victimized countless people who wouldn't question such a small amount claimed. 

Please send an investigator to review the accounts of ACI. Otherwise hand this case over to the FBI or appropriate law enforcement agency. The victims of ACI deserve justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-01 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: GA

Complaint narrative:
I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX,XX/XX/XXXX. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to Exerian, XX/XX/XXXX and XX/XX/XXXX on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

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 2020-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
Currently enrolled in PSLF through FedLoan. I am getting close to my 120 payments, but several of the previously certified payments ( they were certified prior to it being sold to FedLoan ) have been " pending manual review '' for months. I had discussed this issue with them over the summer and they said they would expedite ( no more than 30 days ), 3 months later I emailed and they said it was still pending. This is very problematic as I need to know how close I am to paying these off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
My old apartment complex tried to charge me for {$3000.00} worth of tile carpet and paint when I moved out. I sought legal counsel on the charges and requested proof from the collection agency and apartment complex neither could provide and I was told the case wasnt moving forward due to lack of information and that they quit reporting to my credit in XXXX. I disputed twice with XXXX and it still comes back as accurate. I asked for some kind of documentation from the collection agency and they refuse to provide me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into there hands of the wrong person

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 2020-12-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXXdata breach and may have got into there hands of the wrong person

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 2020-12-01 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: FC HoldCo LLC
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-01 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: DISCOVER BANK
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I XXXX XXXX made an attempt to settle this debt, on XX/XX/2020 i was told to mail a check of XXXX to an P.O BOX, Citizens one bank failed to check their mail boxes upon arrival of my check .I have proof of the signed check in which they denied, yet they returned my check 3 months later back dated XX/XX/XXXX XXXX Back In XXXX XXXX notice sent pursuant to Fair debt COLLECTION Practices Act ( 15 USC 1692f ) stating claim and dispute and validation request, in return my check was mailed back months after on XX/XX/XXXX after recieving my debt of validation letter and cease and desist .Under ( 15 USC 1692f ) UNFAIR PRACTICES section ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of mails or telegram, except that a debt collector may use his business name if such name does not indictate that he is the debt collection business.They 've also violated ( 15 USC 1635 ) ( 15 USC 1692b ) ( 15 USC 1692 d ) Harassment ( 4 ) AND ( 3 ) Reporting my information to reporting agencies or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) .. Please remove this account off my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SW Linear Investment Group, LLC
State: SC

Complaint narrative:
I was directed to you through the Attorney Generals Office-XXXX XXXX My ex husband, after our divorce and the home was given to me went and borrowed money on the property in order to pay what he owed me to avoid a contempt of court issue. My name is not on the loan but my property is because the finance company did not do the research needed before writing him a check. He has since passed away and now the loan company wants me to pay the bill that I was not ever aware of. I directed them to file against probate but they never did. His mother XXXX XXXX was the beneficiary of his life insurance, checking and savings and they have never sent her any thing about this. How can someone use my property without my knowledge and I have to pay the bill. They are threatening to foreclose on my property now and after I paid off the first mortgage as I was instructed by the court. 

Linear XXXX  should be responsible for this since they never had insurance on the loan, never had my signature that he could borrow my property to take out a loan nor did they do the research they should have done to start with? 

They have told me that they wrote the checks directly to XXXX XXXX XXXX not only once but twice, One time for {$9000.00} and another loan ( The loan application was used to payoff a previous note for {$12000.00}. with XXXX, a XXXX XXXX account for {$9000.00} and misc bills and direct to XXXX. This statement came from : XXXX XXXX XXXX ) Please help me, XXXX XXXX XXXX Cell XXXX Work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Been trying to get this situation fix and removed from my credit report. They took the car and resold it fast without my knowledge and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RockLoans Holdings LLC
State: VA

Complaint narrative:
I was advised in XXXX that I would became unemployed XX/XX/2020 due to COVID 19 workforce reduction. I paid up as many bills as I could but this payment due XX/XX/XXXX I had to delay. My unemployment was delayed considerably but still managed to borrow money to make the XXXX loan payment before going 30 days past due. Again my due date is the XXXX of each month. I logged in on line XX/XX/XXXX at XXXX XX/XX/XXXX to make my XXXX and XXXX payments. The option would not let me chose anything sooner than Wednesday XX/XX/2020 as a payment posting date. I called and spoke with XXXX he advised that their system is set up to take up to 3 business days to post a payment. He confirmed that yes I would see the ACH process, money from my account on XX/XX/XXXX ( still within the timeframe to avoid being 30 days late ) but it will take them 3 days to credit my account. I asked if he could just do the payment on the phone to avoid a negative affect on my credit and extra days of interest. I was told no. I asked if they were offering any relief due to COVID unemployment I was told they would send me information. I decided to make the XXXX payment only at that time even though I was paying before going 30+ days delinquent it still impacted my credit which I felt was unfair and decided to hold my XX/XX/XXXX payment in hopes that my unemployment would get approved before the grace period expired. So now on XX/XX/XXXX I made the XX/XX/XXXX payment and my account was due for XX/XX/XXXX. As of XX/XX/XXXX I still had not received any unemployment and called XXXX to make a payment, that I once again borrowed from a family member. It's the XXXX of XXXX and I am trying to make the XX/XX/XXXX payment, again I was told the payment wouldn't post until XX/XX/2020. I made the payment anyway confirmation # XXXX even though I knew 1 ) I was paying before being 30 days delinquent and 2 ) since it's simple interest they're accessing excess daily interest charges and late fees against myself and other consumers even when they pay on time. I am now receiving unemployment but it is not enough to cover basic bills but I am managing all my accounts as they're very willing to work with people. This account I have stopped paying as their payment processing delay causes people to show as late, even when they're not and they're charging extra interest/fees. On my account alone a few extra days of interest n their pockets may not seem like much but when you multiply that by the thousands of people they do this to monthly it is a considerable amount of money and seems that it would be unethical and unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I received a call on XX/XX/2020 claiming there was already a case being brought against me in XXXX XXXX and that I would need to contact the debt collector 's legal department. They also threatened to contact my supervisor. I called the company and the woman I spoke with said I either had to pay an amount that is greater than what I owe during that phone call or I would be sued ( despite the earlier phone call saying there was already a submitted case ) and I would then have to pay more than double the amount. I have also received no written communication about any of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Arivo Acceptance, LLC
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXXXX/XX/XXXX ARIVO ACCEPTANCE LLC add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, REGIONAL ACCEPTANCE CORP add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, XXXX  and Transunion on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

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