vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: UT

Complaint narrative:
Back in XXXX I was sent a letter and emails from XXXX  letting me know they had a breach and that my information was part of the breach. As a result I added my name to the lawsuit that was available and they also offered me security software. Fast Forward to XXXX I wanted to get a home and when the mortgage company pulled my credit they noticed several loans that I had not requested nor opened on my credit. All of them between XXXX and XXXX. I then hired a company called XXXX XXXX XXXX or XXXX XXXX  to help me fix my credit. I did not file a police report because It would have done no good. They cleaned my credit and removed the accounts except for one. XXXX XXXX - Acct # XXXX opened on XX/XX/XXXX for XXXX. I also added a fraud note on all three credit bureaus to prevent anyone from using my credit. My credit is in good standing now except for this.I guess now Ad Astra owns this account and they are colleting on it. I DO NOT OWN THIS LOAN, NOR DID I OPEN IT. I have spoken to them and I have also tried to dispute the accounts on All Credit Bureaus and they all refuse to listen or to remove the account. Ad Astra finally sent me a letter in which they ask me to send them an FTC Identity theft report which I did. But today I received notice from XXXX  where they closed my dispute as completed and nothing changed. I need this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Credit Lending Services Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 my vehicle was totaled. My insurance company has been in direct contact with credit lending services about the total loss payment. My insurance company is paying off the full amount of my vehicle and check was sent XX/XX/2020. Credit lending services continues to call me multiple times a day and harassing me to make a payment when my insurance is paying it off. Credit lending services has also said they can not get paid until I pay double my car payment which is. Credit lending services continues to call knowing the check is on the way to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX  keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ALLIED COLL 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 serious ALLIED COLL 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. 11-MD-2295-JAH-BGS, 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX we started the process for refinancing our home. We were conditionally approved on XX/XX/XXXX pending verification of documentation. We submitted all requested documentation the same day it was requested. On XX/XX/XXXX we became aware that Rocket Mortgage had failed to inform us that it was necessary for us to arrange with the attorney to do the closing for us so nothing had been done regarding title documentation. After that was taken care of, the rate lock was extended due to their delay. On XX/XX/XXXX, the attorney forwarded the title documents to Rocket Mortgage. On XX/XX/XXXX, they claimed the title was never received. They subsequently found that they in fact had the documents in their possession. After requesting several status updates, on XX/XX/XXXX we received a response stating our loan was " in line for final review ''. On XX/XX/XXXX, following another status request, they stated our loan was in the final review process. On XXXX it was discovered an updated bank statement was needed, which was submitted that day. We were later informed the loan was being wrapped up and they would follow up with an update. Today, we informed the company we were filing a complaint with your bureau if we did not finally get a closing date today. We were told to expect to hear from them this afternoon and our closing might possibly be tomorrow. Again we have not heard anything since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi I found out that an account has been opened in my name in XXXX XXXX  which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( Experian ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the XXXX XXXX  branch near me but the account has still not been terminated.

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 2020-09-08 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2020 with a balance of {$40000.00}.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX  XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Higher Education Servicing Corporation, Inc.
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}

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 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
About XX/XX/XXXX I called Ally Financial and asked for financial assistance as the Coronavirus was clearly going to impact the country and a part of my income. Ally Financial said that they would put the car in a 120 day forbearance. They told me that I could have also done this online quickly. The lady informed me ( before we hung up ) that it may take some time to process as the country is in a unusual emergency. I went online a filled out the form anyways. I got some phone calls over the next couple of weeks but dismissed them as the lady instructed me to do. During this time I kept doing independent  work. 


In XXXX I called them about the forbearance around XX/XX/XXXX when it was supposed to end. I was hoping to have a conversation about getting back to full payments. Instead Ally Financial put the car in default last month and there was not much I could do other than appeal I told the customer agent to appeal. He did tell me that it looked like two forbearances were filed ( one for less than 120 days ). He said it would be some time till they got back with me. This was understandable. He said it would probably go through since it looked like a simple miscommunication. 


In the later part of XXXX I call Ally Financial back and they told me that the appeal was denied. They stated that the car must be paid in full or they would start the repossession process. I tried to get a supervisor of the phone by the name of XXXX XXXX. In the last week of XXXX I left 2 voicemails on his phone. I never got a return phone call with a message. Approx. XX/XX/XXXX I got a call from Investigator XXXX  with a company called XXXX XXXX saying that they are starting the repossession process. I did return a phone call and state that I would be filling with the Minnesota 's Attorney Generals office. during my research I found out that the Federal Trade Commission and the XXXX XXXX XXXX would also be good places to 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 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX : Phoned in and requested a MIP/PMI refund based on PL XXXX, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act from Wells Fargo. Statute indicates not later than 45 days after the termination or cancellation of PMI/MIP requirements, all unearned PMI/MIP premiums shall be returned to the mortgagor by the Servicer. 
XX/XX/XXXX : Submitted an email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX. XX/XX/XXXX : Received letter indicating that one specific property did not meet PMI/MIP requirements XX/XX/XXXX : Submitted another email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX for the other property. Wells Fargo responded via email on XX/XX/XXXX that request would be reviewed. XX/XX/XXXX : Representative called and told me that I did not make PMI payments under a specific account number thus I did not qualify for reimbursement. XX/XX/XXXX : Submitted another request for that property using the original loan number before I refinanced. XX/XX/XXXX received email indicating Wells Fargo will review request.

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 2020-09-08 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:
THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have attached emails that I am receiving from National Credit Adjusters saying I got a payday loan in XX/XX/XXXX from XXXX XXXX. I was unemployed and could not have possibly done this as you have to show income. They also have my checking account number with NCSECU that I opened XX/XX/XXXX. 

I had a payday loan in XXXX with a company I believe was XXXX XXXX XXXX. This was paid using an account I had with XXXX at that time when I live in XXXX XXXX. 

I am now residing in XXXX as of XXXX, XXXX. 

As you will read, the emails are very threatening and the amounts I am being asked to pay are extremely high. I feel violated that this company is harrassing me and knows my checking account information. 

Do I have any rights and how do I stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
We completed a loan modification with Specialized Loan quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

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 2020-09-08 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: VA

Complaint narrative:
I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP
State: KY

Complaint narrative:
I am receiving repeated calls from XXXX XXXX XXXX XXXX. I have asked her to quit calling me several upon several times. They've asked for my social security number. Some attempts were via another number XXXX XXXX XXXX XXXX. I've blocked their number via my cell phone but same " XXXX '' agency with different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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:
THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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