vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: TX

Complaint narrative:
I have filed numerous disputes both online and in writing with XXXX, XXXX and XXXX for the item below. I called the company reporting this on my credit and reported this as fraud and then insist the debt is mine and refuse to supply the information required by the FCRA section 609 and 610. I have no first-hand knowledge of this account and do not live in the state which the debt collector alleges I originated this debt and then attempted to shift the burden of proof on my for something I can't prove or disprove except that I can't have a pet because I have an XXXX against having a pet since I was born and therefore was perhaps an act of identity theft. The company suggested I get a police report and submit that to them except there is an issue with the police being unable to take a report out of their jurisdiction and when attempting to get a police report from an office in the jurisdiction where the act of originating a debt occurred since I'm not a resident can't file over the phone and must be in person. I can't spend money and take time off work to travel to South Dakota to obtain the needed report which may or may not be cause for this agency to remove the defaming item from my credit reports so I'm filing a complaint against all three credit reporting agencies for willful non-compliance of duty on the FCRA guidelines as they are supposed to prove the alleged debt is mine and if they can't must remove all references of it on my credit report. 

HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Retail Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  E Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$450.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$920.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information Please take whatever action needed to get these four agencies to remove the item from my credit report as this is not mine and it's keeping me from using my credit in the most efficient way. 

I have no knowledge of this company and never agreed to do business with them or their client noted herein and am being told to take action to verify something I have no firsthand account of but instead third-party foreign to me telling me what the matter pertains to. By law of agency and law of contract, I can not be bound to bear the burden of proof in this matter because I have given no consent for service of either of these companies. 

This matter has been disputed with the three credit reporting agencies for the last 2 years with letters and online disputes of which the credit reporting agencies can validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: UT

Complaint narrative:
This was an attempt to get them to remove their complaint against me on my credit report. I paid them {$510.00} on XX/XX/XXXX, I have talked with them about this, they said they never received any money from me. I emailed a copy of the transaction from my bank, to both companies involved, UNIFUND LLCXXXX XXXX XXXX XXXX XXXX, Oh XXXX, and to XXXX XXXX XXXX XXXX XXXX Subject XXXX. To this date XX/XX/XXXX, it is till on my credit report. I will attach a copy of my bank transaction to this so you can see what I'm talking about. My contact at UNIFUND LLC was XXXX XXXX, Chief Compliance Officer XXXX XXXX XXXX email XXXX, she told me they hadn't received any money and that XXXX  was the one incharge of this at XXXX XXXX. I just want it removed from my credit report as I paid it with good intentions that it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have already submitted several complaints regarding this vehicle. I asked wells fargo for a refi and loan assistance. They said they would look into situation and do everything to help. So far they have purposefully delayed answering and refused to provide a refi or any type of assistance. My last request was for a copy of the original installment and/or loan agreement which they have failed to send. I asked for it 3 times last request on XX/XX/2018 both in writing and speaking to a rep. The vehicle has been placed on non op status due to being a manufacturer defect and having 2 open recalls on it. Wells fargo has been aware of this and now wants to repo this car.

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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A charge was made on my checking account for {$36.00} from a company called XXXX XXXX. This was not an authorized charge and I contacted Chase to dispute this charge. They decided for some reason that it wasnt fraud and are charging me even though I did not make this purchase. They told me there was nothing they could do and I am required to pay even though I did not make this charge and have never been to XXXX Michigan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
Around XX/XX/2013 I refinanced a loan with this company and surrendered my truck title as collateral. We set up auto draft so this company would always receive their payment on time. After paying off the loan I waited and waited but never received my truck title, finally I called this company only to be told they had mailed my title. I waited and waited again, 6 months had passed at this time and I started calling again only to be told they had just mailed it out. Again I have waited, called, left messages until I have given up and tried to apply for a replacement title only to find out this company is still showing my truck title with a lien against it, 2 years after it was paid off. I went by a local branch of this company and found out my title ad never been mailed, that it was sent to another branch over 400 miles away. Still I can not apply for a replacement title because this company is holding it hostage. I have checked all of my credit reports and it shows the account paid in full and closed, but I still have no title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
From phone # XXXX Supposedly Wakefield & Associates Unknown debt This phone number continues to harass my phone number even though I have the number blocked. I have not received written notification of this debt/collection to date. 

XX/XX/XXXX- 13 calls XX/XX/XXXX- 4 calls in less than an hour XX/XX/XXXX, my phone received 12 calls I have blocked the phone number due to the amount of spam/scam reports. My phone keeps a log of the blocked calls.

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 2018-04-17 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: MN

Complaint narrative:
XXXX XXXX XXXX Consumer Dispute Center XXXX. XXXX # XXXX XXXX, PA. XXXX Date XX/XX/XXXX My credit file number # XXXX RE : Accounts : XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX To Whom It May Concerns : I am writing to dispute the accounts referenced above. I have disputed the accounts information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
OnXX/XX/XXXX I walk in US Bank and deposited {$3000.00} which requires 3 to five day hold for verification. OnXX/XX/XXXX after  approving fund the bank placed a secondary hold on fund and route the funds to XXXX  fraud department knowing this is personal account not associated with business activity and therefore, a fraud alert process was initial to remove funds from personal account. On XX/XX/XXXX when I called the fraud department to inquire about the funds being placed in the fraud department for what reason I was told by XXXX in the fraud unit it was because they couldn't verify the funds, I explain to XXXX  that XXXX XXXX inform me that the funds were there and they have not received a request for verification.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The account is in my name but it is not my debt. The account was opened by a family member and they stopped making the payments and now the account is in collections. I would like to have the account removed because it is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mortgage statement dated XX/XX/XXXX, in the transaction history, has 2 amounts paid in the amount of XXXX each. One amount was applied on XX/XX/XXXX as the XXXX payment, the other amount applied on XX/XX/XXXX to the principal balance. 

This is the second time I've sent conforming payment, after making the scheduled monthly payment where the amount is applied as a curtailment to the loan balance instead of a contractual monthly payment to advance the next payment due date on the loan. 

I called on XX/XX/XXXX and talked to XXXX in the customer service who placed me on hold presumably to send a task to have the payment application corrected. When I asked XXXX about what I could do on my end to prevent future errors of this nature ; he says nothing can be done, the system is automated and decides where the money will be applied. This is unacceptable given the fact the amount I sent was a CONFORMING PAYMENT AMOUNT and should have been identified as such and applied as the XX/XX/XXXX payment. 

The correction to my transaction history should reflect that XX/XX/XXXX payment was applied on XX/XX/XXXX and the account is next due for the XX/XX/XXXX payment. 

It's unacceptable that I send a the exact payment amount and it's not applied as a monthly payment. 

I do not want an apology - I would like the issue fixed correctly on my mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I had an auto loan with my then husband with World Omni Financial Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World Omni Financial Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World Omni Financial Corp received their check. I requested the " notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse. I have been literally begging them to provide me with the transcripts of the phone call. I'm due in court and I desperately need those notes taken to clear my name. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
A collection agency that I never heard of started to show up on my credit report for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
In XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to see why my balanced jumped from {$1500.00} to {$2500.00}. The customer service rep advised that my 18 month XXXX  interest was up. I informed him that I was never told that the interest from those 18 months would accrue, or else I would have never signed up for this credit card. After speaking with a supervisor, he said he would remove the {$1000.00} of interest if I paid the total that day. I told him i was driving and once i get home, i will pay it. I arrived home and called in with my credit card information. After a month ( XXXX ) gone by, i received another statement with the {$2500.00} total. I called and asked why my card wasn't charged. They accused me of not calling in. So i asked to speak to a supervisor. The customer service agent advised he would have a supervisor call me as soon as possible. Another month goes by ( XXXX ), and I am informed that my account is in collections ( which has lowered my credit score immensely and now i can apply for a car that i desperately need for work ) and I have accrued two months of late fees on top of it. I know owe hundreds more due to the lack of communication and customer service support. They are trying to continue to scam me so I can continue paying them. They are trapping me into this account. When I called today XX/XX/XXXX, the call went straight to the collections department, which i was not aware it was in collections. XXXX ( customer service agent ) advised that she attempted to transfer my call to a supervisor in customer service and they refuse to take my call, let alone talk with me. She advised that they wont help with anything and will not speak with me. What kind of customer service is that? I would like to see something done immediately. They have literally ruined my credit score ( credit from XXXX to XXXX ) so i am unable to purchase a vehicle for work. Please contact me as soon as you can. Thank you for your time.

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 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I obtained a loan from GM Financial in XX/XX/2017, a {$29000.00} loan for {$470.00} a month for 72 months. in XX/XX/2017 I requested a pay off amount. Every since I requested the pay off, they have stopped reporting my payments to the credit bureau. It makes me look 5 payments behind on my loan plus my credit report shows me owing {$2500.00} more than I really owe. The company stopped reporting my payments to reduce my credit score so I could not obtain a loan from another company. This is a huge rip off scam being used by this company. I think an investigation is in order. When I confronted them about the issue, they said they stopped reporting because of " errors ''. Please stop these people from doing this. It is highly profitable for this company to use this practice because it keeps their customers buried in the same loan and because of the misreporting, it limits customers ability to obtain new loans as their credit scores don't reflect payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, And Equifax Credit Bureau are reporting an unknown public record on my credit file that is hindering me from getting the proper finances to support my XXXX XXXX daughter and I was denied an mortgage loan because of it. 

They have a police report on file, that I have sent a total of 6x with the account on it.

This is unfair!!!! 

Public Record # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
My student loans were being serviced by XXXX XXXX up to XX/XX/XXXX until my student loans were purchased by XXXX XXXX company. My original loan amount with XXXX XXXX in XX/XX/XXXX was {$110000.00}. When I received notification from XXXX that they had purchased my loans the amount was increased by over 1000 % to {$350000.00}. I have submitted several complaints to XXXX trying to get an answer!!! I NEED ASSISTANCE!!! I have not attended school since XX/XX/XXXX and I have not attended school after XXXX purchased my loans in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i have a few negative remarks from my creditor during a time i was going through financial hardship. I was struggling to make monthly payments several time due to family problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I am resubmitting the complaint on my wifes behalf since Medical Data Systems continues to make false statement in the response to CFPB. When I contacted MDS on XX/XX/XXXX to obtain the information I need as per my previous complaint, I was told by a supervisor ( XXXX ) that I need to contact Insurance ( XXXX  ) and ask them to send written notification to MDS that they will waive the submission requirements and process the claim. Only then as per XXXX MDS will provide the information and/or will submit the claim for processing. Which indicates that MDS has all the information and willfully is not providing the information. This is obvious tactic by MDS to ensure the claim is not processed. I conferenced XXXX ( XXXX ) with MDS ( XXXX ) 2 weeks ago and XXXX has confirmed that I had insurance during the date ( XX/XX/XXXX - XX/XX/XXXX ) and they are willing to process the claim provided they get all the information. MDS has recorded conversation with XXXX. 
I mentioned this to XXXX, but she was not willing to provide the information I need unless she gets written notification from XXXX as noted above. MDS should review the recording I request CFPB to interject and advise MDS to remove derogatory remark from My wifes credit report and provide all required information immediately

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