vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to Cooling and Winter LLC, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
XXXX  XXXX XXXX XXXX. is currently reporting this account to all XXXX major bureaus as closed/charge-off and updated as of XX/XX/XXXX. XXXX  XXXX XXXX XXXX. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that XXXX  XXXX XXXX XXXX. NEVER validated this account and XXXX  XXXX XXXX XXXX is not following the FDCPA. 

Cooling and Winter LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I would like to know who gave Cooling and Winter LLC my personal information. I did not agree to any contracts with Cooling and Winter LLC to pay this company anything. I did not authorize Cooling and Winter LLC or XXXX XXXX XXXX XXXX, permissible purpose to use my personal information. 
Recently I priority mailed XXXX  XXXX XXXX XXXX, and Cooling and Winter LLC letters and each company is well aware of what will be the outcome will be if they continue to harass me.

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 2021-03-05 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: PA

Complaint narrative:
I have a police report XX/XX/XXXX, XXXX  and Equifax is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National credit adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the National Credit adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GA

Complaint narrative:
TRANSUNION FAIL TO INVESTIGATE MY DISPUTE

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 2021-03-05 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: FIRSTBANK PUERTO RICO
State: PA

Complaint narrative:
I have a police report XX/XX/XXXX, XXXX  and XXXX is reporting a fraudulent account by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my XXXX Fraud account

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 2021-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a recurring fraud charge on my account around XX/XX/XXXX. The charges went on for a few months. After being investigated Capitol One deemed the charges as fraud. They sent a letter saying that all the charges were removed. However, they continued to send me bills thereafter. Confused, because the account should've had a XXXX dollar balance after the fraud charges were removed, I decided to call. We found out that the additional charges were late fees that were due to the fraud charges that were reversed. Therefore, the late fees correlating to them should have been removed as well. 

After disputing it with Capitol One directly I still had no results though they agreed that the charges were from the late fees of the fraudulent charges. I disputed it via XXXX XXXX after getting no results from Capitol One directly. That dispute was also rejected. I have disputed the late fees on the account from XX/XX/XXXX to this day, XX/XX/XXXX. 

I spoke with a representative about 2 weeks ago that assured me that the problem would be handled in the next 5 days as she was escalating the issue. I explained that at this point it has dragged my credit down for months now. It is not currently charged off and I still have no answer and a, now, damaged credit score that is preventing me from buying assets. Please help! I have spoken to about 10 different representatives and I still have no answer or help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX  kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!

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 2021-03-05 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: MD

Complaint narrative:
Toyota Financial Services has reported to all three major credit bureaus regarding a car loan in my name. Despite numerous attempts to contact them, calling, faxing, and certified next day mail with signature confirmatino. They will not comply. I have no received any documentation proving that the account is mine with any wet or hard signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Cedars Business Services, LLC
State: MD

Complaint narrative:
Cedars Business Services continues to report fraudulent information regarding an account that was paid off. The original creditor XXXX University agreed that the tradeline would be deleted, and the creditor refuses to do so. I have documentation proving this agreement for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I am coming out of forbearance and I am attempting to secure a loan modification. This company, Caliber Home Loans, has been an absolute nightmare to deal with, and I have already filed multiple complaints regarding their communication tactics, lack of accessibility for XXXX persons, and outright harassment. The subject of this complaint is their refusal of my first " trial payment '' for my loan modification. 
I received letter from Caliber that my loss mitigation loan modification had been approved. In order to secure the modification would need to make three trial mortgage payments, which would be due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was also an escrow overage payment, I included a separate check to pay that as a one time payment. I was pleased with the terms of the modification, and sent an email to Caliber to ask how to submit a payment online. XXXX XXXX, a " Single Point of Contact Specialist III '' at Caliber replied that I could not submit a payment online until the loan modification was complete. I thought this was strange, but mailed two checks dated for XX/XX/XXXX, the due date for the first payment ; one the first trial payment, and another for the escrow shortage. 
Today ( XX/XX/XXXX ), I received another letter from Caliber. It said that they were refusing payment because the checks were post dated. It also contained the two checks I had sent them. It also contained a boilerplate response to " call us if you have questions '', but no other information. Per my previous communications with Caliber, I can not and will not speak on the phone with them, so this just added another layer of frustration. I had also emailed them several times between mailing the check and receiving them back to see if there were any issues that needed to be addressed, and never received a response.

This lack of customer service from Caliber has yet again caused me another hardship. I am trying to deal with them in good faith, but Caliber and its employees are continuing to be unreasonable. I really do want to get this loan resolved and current, but I do not feel that Caliber Home Loans is willing to work with me and is just nitpicking to be difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have attempted to rectify this matter with Capital One Auto Finance in regards to a consumer credit transaction that took place. I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Capital One Auto Finance. Capital One Auto Finance has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have sent correspondence to Capital One Auto Finance, such as Debt Validation, Affirdvait of Truths, and Notice of Default/ Opportunity to cure. Capital One Auto Finance has ignored and has not responded appropriately. Capital One continuously abuses me and has caused great anxiety. They have threatened to repossess my property which is a violation of 15 USC 1692f ( 6 ). This includes infringing upon my right to privacy by having a third party come to my private property which is a violation of 15 USC 1692a. All documents were mailed and delivered to Capital One Auto Finance on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a police report XX/XX/XXXX, Experian and XXXX  is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account

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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I contacted cash app about a transaction that was put through a few transactions actually that were put through on my card from the XXXX hotel I contacted the XXXX hotel and to find out what these charges are for and they were for things that I do you had no part in extra charges to the room that should not have been there they were very hard to contact and not willing to communicate back with me this is the very beginning of the pandemic so I notified cash app and try to attempt to open up a claim him on that charge and cash app kept giving me the runaround and kept messaging me back in like asking questions about the transaction even though I gave them all the information they needed. In the end they never opened up our claim for the for these charges fast forward to the last few weeks I contacted them again about these charges and they said I didnt contact them within the timeframe if they allow however I sent them an email showing that I didnt contact them regarding the issue and they do not wan na have any part in it I dont wan na hear about it In addition to that Im not able to access some of the statements that are they have online for me and I asked them for a paper copy and they refused to send me a paper copy I just dont know what to do at this point and I would like to have my money back for the transaction I tried to open a claim on and on my follow their rules and I contacted them and they never did it on their end its very hard to contact him because he can only do so by email you can not call them they will not call you they will not contact you or do anything like that and its very very difficult him to fix some thing with them theyre rude and Im noxious and their emails and condescending saying oh so happy to help you like in while Im angry in my messages its a really horrible They confirmed with me last month the charges im disputing After double checking at your account, I can see XXXX THE charged {$120.00} on XX/XX/XXXX at XXXX XXXX  CT, {$50.00}, {$25.00} and {$25.00} and {$76.00} on XX/XX/XXXX, more than 60 days ago. 

I quoted part of the email message that they sent to me him in XXXX however the previous year in XXXX I contact them multiple times to try to open this claim in every single time I was met with him instructions on how to open the claim even though I told him I want to open a claim and I will call them both for the charges on where it was the score and the reason it was for I even sent them an email from the XXXX hotel Im showing that they were being difficult with me and that I had contacted them to prove that I contacted them them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
When we closed the account I asked by total balance to be paid. I did pay them the total amount. Later, they come back with a new balance due. I told them that I already had talked to someone else about it and paid them. I gave them the name of the people who I spoke with and asked them to check their notes. Then, they said that they will remove the new charges. Months later, I got a letter from a collection company. I had to pay them again the same debt so they could report it to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The account for this creditor has been paid off since XX/XX/2019. As a part of the pay-off agreement, the account trade line was to be deleted as of a result of inaccurate reporting of late payment status. It has been almost two years and the account tradeline has not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: VA

Complaint narrative:
My wife and I closed on a second home in XXXX, Texas on XX/XX/2020, with Guaranteed Rate , Inc. The dwelling structure is not in a flood plain. However, part of the backyard is in a flood plain. I have emails from two different employees at Guaranteed Rate, stating that flood insurance was not required since the dwelling structure was outside of the flood plain. 

Now, 6 weeks later, Guaranteed Rate, is demanding that I purchase flood insurance or else they will purchase a policy for me. I contacted their Customer Service Department, by phone, and spoke with a person named XXXX. XXXX basically told me there was nothing she could do, that I needed to contact my insurance agent and/or XXXX to see if the flood map had changed since closing. It has not changed. 

There was no closing instructions requiring a flood insurance policy. In fact, in the notes of the Standard Flood Hazard Determination Form attached, it specifically states that flood insurance is no longer required. I think it is dishonest and may violate RESPA because my closing costs will change dramatically due to Guaranteed Rate unilaterally changing the terms of our contract. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation