vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
This information is not listed on my credit report. On XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called XXXX XXXX DBA XXXX XXXX/XXXX  XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for Aldrige Pite Haun. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with XXXX again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/XXXX. On XX/XX/XXXX at  XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations 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 2020-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN BEAR CAPITAL INC.
State: NV

Complaint narrative:
Late last year, I sought to purchase a home. At that time, I owned another home, which I sought to sell. I utilized a realtor for my purchase and sale. The realtor referred me to XXXX  XXXX/Golden Bear Capital for loan monies. 

( I LATER DETERMINED THE REALTOR WAS ASSOCIATED WITH XXXX   XXXX/GOLDEN BEAR CAPITAL, LISTED AS A " MLO '', A FACT NOT DISCLOSED BY THE REALTOR NOR XXXX  XXXX/GOLDEN BEAR CAPITAL. ) On this recommendation, I engaged XXXX XXXX/Golden Bear Capital as my lender for the home purchase. 

Throughout the loan process, I received a deplorable amount of delays and mistakes by XXXX XXXX/Golden Bear Capital. To summarize, these delays and mistakes have ended up costing me thousands of dollars in lost monies. 

I would have not used XXXX  XXXX/Golden Bear Capital for loan monies unless referred to them by the realtor, who never disclosed he is associated with XXXX  XXXX/Golden Bear Capital. 

This is a conflict of interests as a realtor should have the consumer 's best interest in mind. In this situation, XXXX XXXX/Golden Bear Capital have created a situation where the realtor/mortgage company best interest 's have become the priority. 

XXXX XXXX is allowing realtors to associate themselves with XXXX   XXXX/Golden Bear Capital, allowing them to refer business only to XXXX   XXXX/Golden Bear Capital, and creating a volatile environment for the consumer. 

This should not be permitted in the state of California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: WA

Complaint narrative:
My identity got stolen. I have reached out several time to the credit bureaus through the CFPB and regular mail through the United States Postal Service. I have filed a police report, FTC report, and complaint here.

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 2020-03-11 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: WA

Complaint narrative:
My identity got stolen. I have reached out several time to the credit bureaus through the CFPB and regular mail through the United States Postal Service. I have filed a police report, FTC report, and complaint here.

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 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
For the last month I have had issues getting the money from my account and the only answer I could get from them was their internal security system detected unusual activities on my account. The could never tell me what activities this included and it couldnt be overrode. Now this week after a XXXX transfer to my axcount they shut my account down completely and are telling me I have to wait 6 months to be able to get my money out. Because of this i have not been able to eat, and get my XXXX  related medicine, and other things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
This information is not listed on my credit report. On XX/XX/XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called Calvary SPV1 DBA XXXX XXXX XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for XXXX XXXX XXXX. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with Rashaun again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and  transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/. On XX/XX/ at XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had an auto loan with Toyota Financial Services. I was involved in a car accident of XX/XX/XXXX in which my vehicle was totaled. I did not have GAP insurance but a manager at Toyota Financial allowed me to make monthly payments until my balance was paid off. My balance was around {$3500.00} or so. 

I made monthly payments around the same date as I always did prior to my accident, every month, between the XXXXt and XXXX of the  month. Toyota Financial never expressed any concern regarding when I made my payments. On the last month, in XX/XX/XXXX, I paid off the balance on the account which was {$490.00} dollars. When I spoke to a rep at Toyota Financial, she had told me they closed the account so it wouldn't get charged anymore interest, but she was able to accept my payment anyway so I could pay off the account. Come to find out, that was actually a lie, and they had charged off the account for {$490.00} and sent it to a collection agency which I was not aware of and the rep had never told me that when it had already been charged off days prior to my phone call and payment. I had to find out for myself when I checked my credit report and saw what they were doing to my credit.

I called Toyota Financial, and demanded that they update my  credit report and remove the charge off status, when I indeed paid off this account in full. And I have the receipt to prove it. Toyota refused to update the account, and they have not even updated the balance and it has been well over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems international has continued to report false and inaacurate information on all three of my credit reports. They have been unable to validate the debt but continue to report this false information. 

I will be filing criminal charges against them as well as seeking legal remedies for conspiracy to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC has continued reporting false and inaccurate information on all three of my credit report. 
Even though they have been unable to validate the debt, they continue to report this false and damaging and inaccurate information on all three of my credit reports.

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 2020-03-11 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: TX

Complaint narrative:
Although I have shown Experian that XXXX has been unable to validate a {$4900.00} balance Experian has continued to report this inaccurate and false information.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX X  4, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX  Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation  request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2020-03-11 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: TX

Complaint narrative:
Although I have shown Transunion that XXXX was unable to validate the {$4900.00} balance, Transunion continues to report this unvalidated information on 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 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I exceeded my insurance annual maximum out of pocket by XX/XX/XXXX. Once I met my max out of pocket, all healthcare costs are the responsibility of my insurance company, XXXX XXXX. 

I mailed XXXX XXXX, the XXXX XXXX company, and AR collection agency a certified letter with the chronological itemized accounting of the maximum out of pocket to show that I did not owe this debt. The certified mail number was XXXX XXXX XXXX XXXX XXXX. The letter was delivered on XX/XX/XXXX. I wrote to AR prior to this letter requesting proof that the debt was mine, within a week of receiving their collection notice. 

XXXX has refused to pay their debt. AR filed a collection notice in XX/XX/XXXX, despite definitive proof that I do NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TX

Complaint narrative:
Although I have shown Equifax proof that XXXX  was unable to validate the XXXX balance, they continue to report this false damaging and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has a freeze on my credit and I am trying to refinance my home. This will save me thousands of dollars. They are requesting that I mail to a PO Box my SSN, and other personal documents to unfreeze. I have called numerous phone numbers and can not speak to a human. I am in a position to better myself financial but can not reach anyone! Please provide information to myself so that I can fix this ASAP. This is very time sensative.

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