vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Livingston Financial, LLC
State: OR

Complaint narrative:
I submitted a compliant with CFPB ON XX/XX/XXXX and explained my side of the story. The debt is not mine, I also then went down to the court house and got copies of everything that was submitted for the case by the Plaintiffs. In that paperwork ( attached ) it notes that the DOB is XX/XX/XXXX which is not my date of birth. My date of birth is XX/XX/XXXX. Today during the hearing I presented the paperwork that Livingston had submitted. XXXX who is representing Livingston was not present but via phone. XXXX asked me a few questions and then I was giving the chance to talk I pointed out that I had my credit report and the debt is not listed, I also pointed out that the DOB on the paperwork is not mine. I also confirmed that I was not served and XXXX said they were going to close the case and return the garnishment immediately. However they wanted me to proof where I lived in XXXX. The judge agreed with Livingston in everything and then asked me if I was OK with the decision. I appealed the decision since in the court of law is what you can proof and I have been providing everything I can to show this is not me and Livingston has not provided anything just accused me. I have had to use my vacation time for the day I went in to challenge the garnishment, the first appearance that they were a no show and today, to get paid as I can not afford to miss any day. And yet Livingston wants me to contact them to provide some sort of verification of my residency in XXXX. Again I have been treated unfair and I'm asking to be compensated for this and not have to be harassed by Livingston any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/2019 XXXX Central Time : received a missed call from an unknown number. 

XX/XX/2019 XXXX Central Time : received a voicemail from the unknown number. Caller stated her name was XXXX XXXX, shes an independent courier for legal documents that I have to sign.XXXX then stated shes scheduled to make an appearance to my residence or place of work. Refusal will result in legal action. She provided a number to call to schedule a better date or time for her to come. XXXX XX/XX/2019 XXXX XXXX Central Time : I called the number provided in the voicemail ( XXXX ) XXXX, a male answered stating the companies name was XXXX XXXX As we talked he said he was acting on behalf of Ace Cash Express because of a loan I defaulted on this year. He said I had 2 options to pay the debt or be subjected to legal actions which would then triple my debt and that wasnt including lawyer and court fees. The representative and I made payment arrangements and I was transferred to their verification department where the next representative confirmed my card information and made me sign a document saying that Ill pay this debt and if I dont legal actions will be taken against me. 

After this I researched the company and how legal this was and I discovered it wasnt legal at all. 

The same person from an unknown number called my mother stating the same information before I called the ( XXXX XXXX XXXX again to complain about the illegal practices theyve been using

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I submitted a Defense Borrow Application # XXXX Received an email that a lawsuit XXXX v XXXX and XXXX XXXX XXXX is docketed for court. The loans from the schools i enrolled in are not mentioned on the lawsuit and I am being charge responsible for repaying loans I did not use. Over 50,000. I attended one school and graduated. The other schools on my Navient account the funds should of been refunded back to the Department of Education/FAFSA. Instead the funds were sent directly to the schools and not returned after I un-enrolled. This is FRAUD. And I do not owe all this money Navient is stating. There should only be one borrow on my account. And the other should of been resolved once Navient seen I no longer attended the school. There chain of command is screwed up no one is properly addressing consumers account, issues, return to school, exit the school. That's what the exit counseling is for and it gives no validation. Navient or DOE is ripping us off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: PA

Complaint narrative:
Transunion on XX/XX/XXXX responded to complaint number XXXX regardinging XXXX. they replied they could not delete the XX/XX/XXXX transaction done by XXXX in which I stated to transunion it was fraud. Fraud has rights of been deleted due to the drivers lic number, date of birth and social security number is not me as stated on the application. transunion has not provided no documents to shown from that application that information as the date of birth social security number or that drivers lic is in my name. There has been complete fraud done by XXXX XXXX of XXXX XXXX. I have also filed a US Attorney complaint on Transunion with the document as proof the social security Number is not me date of birth is not me and the drivers lic is not me to the US Attorney office on Transunion. the application is complete fraud.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, on XX/XX/2019, I opened my Bank of America App on my phone and noticed a series of transactions under my name adding up to {$4500.00}. After that I proceeded to search for my card and found out that it was missing. I went on the app, quickly closed the account and attempted to contact Bank of America Fraud department, but was not able to sue to the long hold time of over 1.5 hours. On XX/XX/XXXX, I called BOA. The representative that I spoke to had no interest in solving the issue ; I had to pressure him and guide him into filing the claim. I notified him of every transaction and notified him that my card was lost during the incident. In the following 3 days the claim was opened and my account was reimbursed for the temporary credit. However, on XX/XX/XXXX the credit was reversed and my account was charged again. I contacted Bank of America and reopened the claim. I was told to file a report for identity theft. I have done so and faxed it to them numerous times. I also attempted to contact the police department in XXXX California to report the charges, but I was told that I have to report it to the police department in XXXX XXXX and where the transactions took place. I proceeded to do so, but was told by XXXX XXXX XXXX that the report has to be filed in person by one of their officers and I live 500 miles away and have no way of driving 10 hours through the snow to get to that location. 

Bank of America customer service representatives are not being helpful as far as providing me the guidance needed for me to protect my account and are not interested in investigating my claim. They are also holding me responsible for the amount that was placed fraudulently on my 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 monetary relief
Consumer complaint received 2019-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX whom is reporting inaccurate information of a vehicle repossession. I demanded proof a legal document of the vehicle in question. However according I did never receive no such proof or a response from XXXX XXXX within 15 days of a certified mail I sent to them. This alleged claim and inaccurate information reported on my Experian credit report is considered null and void, and any continued collection activities, or continued reporting of this invalid claim of a car repossession from XXXX XXXX is considered a violation of the FDCPA and FCRA laws.

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2019 my daughter was contacted by XXXX XXXXXXXX XXXX of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted XXXX XXXX who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.

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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Macys/DSNB in the past, but they have failed to give me a fair solution to my issue. I have a Macys/DSNB. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : $ XXXXThis company has been reporting incorrect information to the credit bureaus.

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Macys/DSNB and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to Macys/DSNB, which they ignored.

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 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
Everyday for the past month and a half the finance company for my car call me and my boss repeatedly at work threatening me and my boss. I am not allowed these kind of calls at work. they will call every 30 seconds until someone answers the phone. Our company handles hundreds of calls a day and they are interfering with company business by tieing up our phone lines. I have told them and so has my boss these calls are not allowed over and over. The calls are unprofessional and involve curse words. I have been told if this keeps up I will loose my job. This company uses multiple phone numbers and even some type of untraceable numbers to call.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting and under is from a 01 XXXX XXXX XXXX XXXX XXXX for an amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom this may concern, I set up auto pay with Capital One too come out twice a month for the amount of XXXX XXXX on the XXXX XXXX and the XXXX of each month.the money come out each month. i have more than enough to cover payment. but been receiving late payment every month. ask to change the payment date. they said no.they said they would waive the late fee.but they did not.They have fornener that I can not under stand.I already mayed a extra payment.of XXXX XXXX because of their 10 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2019 I reviewed my consumer credit report and seen various Wal Mart/Synchrony Bank inquiries I called Synchrony to report that I don't have any Wa Mart credit cards open nor have I recently applied for a Wal Mart credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called XXXX XXXX XXXX , XXXX to discuss my concern further. 
I reached out to XXXX  which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this Wal Mart Business Credit owned by Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting on my credit reports and trying to collect a debt form a XXXX XXXX XXXX  for an amount of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I purchased an automatic renewal Time Deposit Receipt in XX/XX/1994 with XXXX. XXXX was bought out and now is Bank of America. I have gone to my local branch and inquired about cashing in this Time Deposit Receipt, but they have no record of it. I was told that it may have been sold to another financial institute. I contacted Mass Division of Banks and have gone on to the website Find Mass XXXX  and there is no account that was turned over to the state for inactivity. I was told by this office to file a complaint.

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 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
On XX/XX/19, I called in to speak with a representative to confirm auto-draft was set up for my first payment. I spoke with XXXX who confirmed my auto-draft set-up. In error, XXXX processed a {$2000.00} payment, which was unauthorized and not discussed with me. I found out later that this {$2000.00} was for the next customer calling in and the agent processed it on my account instead of theirs. I spoke with a Supervisor/Manager who listened to the call and confirmed this. Since this overdrew my checking account, the manager advised me to place a stop payment on the {$2000.00} so it would not go through and that they would send me a check to refund the {$30.00} fee that I received from my bank. I've called in at least 7-10 times and spoke with various agents, wait on hold for 45 minutes each time to speak with supervisors, often get disconnected or have no answer, etc. XXXX, one manager that I spoke with told me she would follow up with me daily - I only heard from her once. Each time Loancare has a different request such as the proof of the fee wasn't sufficient. I provided a screenshot showing the fee, I provided a letter from my bank showing that I was charged a fee and for what purpose ( i.e., for the {$2000.00} Loancare stop payment ), and I provided a full bank statement. As of XX/XX/19, I have not received my {$30.00} stop payment fee due to the agent 's error. I have dedicated 10+ hours to resolving this issue and I only hope the CFPB can look into the practices of Loancare , as other customers may be struggling with the same issues of resolving internal issues due to agent errors. Loancare should take responsibility of their agent errors and resolve in a timely manner.

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 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I financed the car through a dealership in XXXX of 2018 that was crooked. There were many issues with the car and I tried giving the car back but to no avail. I called credit acceptance several times to have my payments lowered because they kept adding on fees I have no idea how and they would not explain it to me. In addition to giving me the running around and telling me something different ever time I called. This whole situation has put me through suffering and damages to my credit and livelihood. And has been truly a nightmare.

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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation