vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019 trying to collect {$20000.00}. 

The FDCPA aka Fair Debt Collection Practices Act, I have every right to request validation of the debt you say I owe you. Associated Credit Services must supply physical proof that I am the person you are asking to pay this debt and that there is some sort of contractual obligation that is binding on me to pay this debt.

This is absolutely not a request for verification or proof of my mailing address, but a real request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

I am requesting for the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor  regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for Associated Credit Services , Inc. in case legal action becomes necessary. Your claim can not and will not be considered or accepted if any portion of the above is not completed and returned with copies of all requested documents. 

This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Finally, I demand that your company cease all phone calls and robo calls immediately. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TN

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XXXX XXXX 2018 I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

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 2019-03-26 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: TN

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018 I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On on XXXX I made a payment to XXXX XXXX in the amount of {$15.00}, but also made another purchase which dropped my account lower than I realized. The next morning I made a {$40.00} deposit to my bank to cover all transactions, and noted that the {$15.00} had been debited from my account and I was still in the positive on my account. On XXXX I noted an overdraft fee on my account, as nothing should have been debited from my account I called BB & T to ask what the fee was. That was when I was told that the XXXX XXXX fee had bounced and caused the overdraft. I explained that the amount had been cleared as of noon the XXXX, without issues and that I did not have their overdraft program that allowed them to pay out purchases if my account was short. The lady, XXXX XXXX, confirmed this and could not explain what had happened, only that it was valid and I wouldnt get my money back, she even chuckled about the situation at the time. I explained that the last fee was returned in XX/XX/17 when I had called my former car insurance and three-wages called the bank to prove that they had made an error and that, that return of fee should not count against me as that was their fault. The woman again stated I would not be getting a refund before I hung up. I also reached out to their social media accounts and received the same answer but no one could explain why it had both cleared and caused a bounce check fee. Can this be looked into? I feel as though my bank stole from me and it doesnt make me feel comfortable with them anymore.

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 2019-03-26 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: TX

Complaint narrative:
I trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
I trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX   account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have entered into a debt settlement program through a third party that is working with XXXX XXXX/Synchrony Bank yet they repeatedly call me multiple times per day at various hours throughout the day and night and even on weekends.

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I purchased a vehicle. Wells Fargo was the lender. Wells Fargo repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over XXXX dollars. Wells Fargo will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from Wells Fargo I have the option of seeing an attorney to pursue legal action against Wells Fargo. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over XXXX per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is Wells Fargo mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for Wells Fargo to delete the item from our credit reports. Thank you

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I purchased a vehicle. XXXX XXXX was the lender. XXXX XXXX repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over 4k dollars. XXXX XXXX will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from XXXX XXXX I have the option of seeing an attorney to pursue legal action against XXXX XXXX. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over 75,000 per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is XXXX XXXX mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for XXXX XXXX to delete the item from our credit reports. Thank you

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 2019-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
XXXXXXXX XXXX reported me 30 days late, even the the loan was paid off on XX/XX/XXXX. I had spoken to them in early XXXX and was told that, as long as the payment was sent on XX/XX/XXXX, it would not be late. I knew the home was closing and would be paid in full. Despite what they told me, they have reported me late to the bureaus, but NOT reported the loan as being paid. This is ruining my credit and my ability to get another mortgage. XXXX XXXX payments were ALWAYS on time. I spoke to XXXX on XX/XX/XXXX and asked for a supervisor 6 times. She would not allow me to speak with one. XXXX XXXX needs to contact the credit bureaus and remove the late payment, and also report this loan as paid in full.

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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
I had several phone calls latter part of 2018 about a credit card balance. I told collector each time that did not or ever have an account with the credit card company and that it was not my debt. They tried to cajole me to then identify whose it was but I stated it was not me responsibility to assist in that effort. Then in XXXX I got a certified letter from attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX instructing me to pay them and insinuating legal action if I did not.I call their firm and told the answerer that they hand made an error. I sent a certified response again telling them it was not my debt that I never had any dealings with the credit card company or the debt collector. I did not ask for any support documents but they replied with copies of account statements and those statements clearly show the account holder being a different address, different birthday, and I assume a different phone. It is clearly not me. Then on XX/XX/XXXX these people filed suit against me in Magistrate court for the debt. They have ignored my repeated attempts to clear this up. It is obvious and immediately evident that it is not my debt. I suspect they used the roughshod tactics to intimidate me into paying others debt. I intend to counter sue them for possible credit rating issues, defamation, and stress and aggrivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
On XXXX XXXX o had transferred an amount of {$2100.00} to an account in XXXX through REMITLY transfer no. XXXX XXXX XXXX XXXX. After deducting the amount from my card they started asking for ID proof.. .I had send them their passport.. But still they want an ID that had my US address.. I work on a ship and don't have a permanent address in the United States... Then they asked me for my cruise ship ID.. .I sent them a letter on the company letterhead stating that I work with XXXX XXXX lines and also MY landing Permit that is the XXXX... .I wrote them that these are the only IDs I can provide them with so either cancel the transaction and return my amount or transfer instantly... Now REMITLY is not replying to my mails and not even transferring my money.. My money is stuck with them since a day.. I had to pay someone that amount and now because my money is stuck I had to pay the person 10 % interest per day untill I payback the amount. 
Kindly look into the matter and get it resolved asap. And also get REMITLY to pay the interest which I am bearing because of them. 
Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is in violation of my Freedom of Information Act right by refusing to provide me with my account information in their response to request of Public record in their letter to me dated XX/XX/XXXX by a response that the Regulatory Complaint Team had done a comprehensive search to find detailed information about my account number XXXX and information from the predecessor bank, XXXX XXXX account number XXXX when it was requested that it be in compliance with the California Public Information Act ( Government Code 6250 ). The information was requested for the purpose of records and explanation request made in CFPB case number XXXX XXXX submitted on XX/XX/XXXX. In the letter dated dated XX/XX/XXXX, signed by XXXX XXXX, Resolution Specialist he  claims no available information is located ansd outlined in their response. This conflicts with the testimony given to XXXX Police Officer XXXX XXXX in XXXX 's Police Report number XXXX. XXXX XXXX XXXX  contention conflicts with the statement made in tthe report by XXXX XXXX, Director of the Intelligence Information Unit is that in order to receive the information regarding the account would be through submission of legal process. 
I am requesting the information be made availableas soon as this request is received. A dispute involving this account in the mishandling and representation of the debt owed and presented iib the original filing of the case by Bank of America 's representatives, XXXX, XXXX and XXXX in court case XXXX in XXXX Superior Court ' recording originally  heard in XX/XX/XXXX, and.resulted in a judgement for the plaintiiff and was entered on XX/XX/XXXX and included a claim of title of a XXXX XXXX XXXX HIN number XXXX and a XXXX XXXX XXXX. License Plate number XXXX which is alleged to account for the debt of {$32000.00}. The judgement in this case was amended by the court when the.court required Bank of Ameeica return to court after removing the title of the vessel and trailer. Bank of America possessed no documentation that such collateral was included in the installment loan. The. Abstract of Judgement was provided by XXXX Superior Court to Bank of. America as amended on XX/XX/XXXX with the judgement as XXXX XXXX, as an individual. This was never a secured loan and no title was involved.. No record was ever provided to me to clarify that.this court action took place and is interfering with an accurate accounting of what actually happened. I am requesting the records involving the mishandling and misrepresentation of the installment loan contract.by Bank of  America and to be addressed as a violation of my FOIA right.

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