vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is going to be my 3rd complaint with Portfolio. They continue to state they validated this debt, state they send validation notice but can not provide me with the copy of the notice they state that was sent on XX/XX/XXXX. I find it so strange how if they are so positive that this debt is mine and they have the right to owe it why do they refuse to send me anything but a summary of their account and bills statements. 

There is nothing at all that has been provided to me that shows that they bought this debt or a written agreement with the original creditor nothing. 

Bill statements being repeatedly sent for the same dates and they refuse to provide me with a bill of sale from the original creditor with them showing they have the right to claim this debt. 

Only info provided has been as follows Date opened with them XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$1600.00} Bill statement due date XX/XX/XXXX with balance of {$2000.00} Bill statement due date XX/XX/XXXX with balance of {$2100.00} Bill statement due date XX/XX/XXXX with balance of {$2300.00} Where is he bills statements from XX/XX/XXXX - XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$3000.00} Bill statement due date XX/XX/XXXX with balance of {$3100.00} I find it very hard to believe that they can not produce the original validation notice or the bill of sale to show me they really owe this debt. 

I find it hard to believe they do not have my date of first delinquency or the bill showing the charge off. 

Portfolio has made every attempt to ignore every attempt I have made to get the information needed to determine if this is mines, if the balance is real and if they have any rights to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2021-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX I paid off my car loan in its entirety causing an overpayment of {$640.00}. I am still waiting to get these funds. Each time I call they say it is pending or all they are able to do is send an email to those responsible for writing the check.

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 2021-01-26 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: Northwood Asset Management Group
State: CA

Complaint narrative:
I received a call from a XXXX XXXX at Northwood Asset Management. He said that I tool out a loan from them for {$1400.00} on XX/XX/2020 and defaulted in XX/XX/2020 and is now at a balance of {$2700.00}. I never took any loan from their company and never applied for anything. He said that he would sent me a notice but there wasn't much that he could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
NAME AND PREVIOUS ADDRESSES ARE WRONG

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 2021-01-26 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: GA

Complaint narrative:
I have contacted Experian regarding a bankruptcy on my credit report.

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). Experian responded the information as " verified ''. I provided written documentation to Experian from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). Experian responded the information as " verified ''. Experian has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX  responded the information as " verified ''. I provided written documentation to Experian from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX  has failed to provide how and with whom the information was verified. 

I provided written documentation to XXXX  stating XXXX  removed the bankruptcy from my credit reportXX/XX/2020 ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating Experian is reporting late payments to a charged-off account ( XX/XX/2020). Experian responded the reporting of late payments on a charged-off account as accurate.

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account (XX/XX/2020). XXXX  responded the reporting of late payments on a charged-off account as accurate.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made an online money transfer on wells fargo webiste, and the money {$5000.00} was from another bank linked. On XX/XX/XXXX, I got email next day saying it is a fraud. Then I called the fraud department, and verified everything and asked them to process the transfer. BUT, later I found out the transfer was canceled. I NEVER asked them to cancel it. BUT, wells fargo took the {$5000.00} from another bank even though they say it was canceled. Today is XX/XX/XXXX, the money is missing. Wells fargo took the money illegally and never return the money to my another bank, nor explain how they can help to deal with it. I am calling the fraud department now ; they say they can not help. The whole bank is a fraud and a joke. I need the money back and compensation. My time and moeny is wasted. Case Number : 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 non-monetary relief
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2021-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We closed escrow on our home on XX/XX/2020. We had an escrow balance of more than {$5000.00} that Loancare was supposed to refund to us. I have had numerous conversations with Loancare and have documentation to support the conversations. They said they would be mailing it out in XX/XX/XXXX. I never received a check. I called them again and they said they would be mailing the check on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received our check. I have offered to give them a XXXX XXXX account number so that they would overnight the check to us but they refused. We are seniors and now, during COVID, this money would help us with our finances.

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Hello Today I have received a called from my son that Designed Receivables ( collection agency, called him, to leave me a message that I was going o be served at my worked place, I have been trying to solve this situation with the collection agency for months Maybe more that a year already, only thing that they do is re ager the account, and increase the amount " owned to them '' is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Dear Citibank, Ive been a holder of a Citibank credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of Citibank. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from Citibank, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, Citibank reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from Citibank stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, Citibank closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the Citibank account. I called Citibank immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like Citibank to a long-standing client with exceptional credit history his entire life. Citibank failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. Citibanks error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for Citibank to due for a previously loyal client. If Citibank was not in the wrong, then why did they eventually reverse the charge that caused the issue?

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a some money deposited into my citi bank savings and checking account when I tried to get it out they said they closed my account for fraud theres no way that was a fraud that was 2 months ago and they havent sent me any check in the mail for my money every time I call they give me the run around its a pandemic going on and I really need my money!

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX. Daily/weekly phone calls even late in the evening.

2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed.

4. Unable to be contacted by phone unless they call you.

5. Shame on you. XXXX sees all.

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 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: AR

Complaint narrative:
The car was paid off XX/XX/XXXX. I cancel the extended Gap and Service contract. Per the dealership, they sent Flagship the checks on XX/XX/XXXX and they the dealership show the checks was cashed on XX/XX/XXXX. The check amount are XXXX and XXXX. 

Called flagship on XX/XX/XXXX spoke with XXXX he said he dont see a check. Ask me to have the dealership send a copy of the checks. On XX/XX/XXXX dealership sent in the information. 

Call on XX/XX/XXXX XXXX stated that they have not gotten any updated information. He will send a letter to be escalated call back tomorrow. 

Called on XX/XX/XXXX speaking to XXXX she dont have any updated information. Dont see any checks in the system will have a supervisor call me back with XXXX the next 24 hours

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
midland funding has not responded to my 609 and 611 letters for deleting incorrect info but they are still reporting false info dates ; XX/XX/2020 amounts is XXXX

Company response to consumer: Closed with non-monetary relief