vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: CA

Complaint narrative:
On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXXs XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX XXXXXXXX XXXX XXXX Balance unknown all opened around XX/XX/XXXX. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.

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 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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:
On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX  XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.

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 2019-03-11 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:
On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I was notified by a BMW sales person when I attempted to buy a car at the dealership that BMW Financial Services states I have defaulted on a previous loan, when in fact I was a noted victim of identity theft in XXXX- XXXX. I have ONE VALID loan with Bmw in the past and that loan was paid in full and in good standing. when I first noticed the fraudulent second loan in my name I notified BMW and nothing was done. Now that I am ready to purchase another vehicle from BMW I am being denied a loan for a previous defaulted loan that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I initiated a query with Transunion from the XXXX XXXX and to date its still not resolved. Whenever I call to ask for feedback, then response is " We have escalated, please call tomorrow '' ... .. The Teamleader as well is very rude and doesn't listen or take matters serious.

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 2019-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
To Whom It May Concern, Good morning, writing today and before presenting my actions, thank you for allowing me to do so. On XX/XX/XXXX I visited my XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX, this vehicle is similar to my XXXX XXXX XXXX. Due to my multiple job losses ( not my fault in my opinion ) my vehicle I was repossessed and now I am left owing the bank balance. Here are the two main companies I worked for at the time of my car being repossessed .On both jobs there was a miscommunication with XXXX XXXX woman, and here are the explanations for both reasons. At XXXX XXXX XXXX XXXX  a woman complained about children 's behavior during a rainy day schedule at recesses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I served as a XXXX XXXX at that time ( XXXX XXXX XXXX ) and it was employed and as a sales clerk at the XXXX XXXX XXXX XXXX. This time was between XX/XX/XXXX to XX/XX/XXXX. At the XXXX XXXX XXXX XXXX a woman ( Lead Sales Clerk ) complained about having work done, my work wasn't completed due to the short staff. A woman worked that was hired around the same time as I left before I was terminated ( she worked nearby at the N.A.S.A. facility I believe ). Being a XXXX ( XXXX. XXXX XXXX ) working for the XXXX XXXX XXXX XXXX is a privileged position in my opinion and I took losing my job seriously. Also, I CURRENTLY receive socials security benefits and working the jobs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) I mentioned earlier helped me COULD HAVE stop receiving social security benefits. 


Sincerely, Writer XX/XX/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 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bell Financial Services
State: OK

Complaint narrative:
I did get a loan from the company I lost my job ... I told them I was unable to pay I did not draw any unemployment the company that fired me rehired me and then close the business down and I got to draw unemployment I'm 5 months behind on my house and many other other items such as cars and I told them that I would pay but they'd have to wait instead she served me papers and then kept harassing me with phone calls after the fact that she served me and I have to go to court even calling me and telling me if I would sign this that she would tell the judge but I would do repayment program I really don't know where the laws are but I feel that they have harassed being illegally threatened me with court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased a car from XXXX XXXX in XXXX and was financed through GM Financial for 3 years. I received a letter from GM saying I could end my lease early at the beginning of XXXX. I then purchased my car on XX/XX/XXXX. I wanted to stay with the same people who handled the lease for me, but they had moved to XXXX XXXX in XXXX. I asked them to handle the purchase for me and they put the loan through XXXX XXXX XXXX. I received a letter from GM Financial saying my lease loan is paid in full. The letter is dated XX/XX/XXXX. I received a balance sheet showing the check was applied on XX/XX/XXXX and I owe {$0.00}. I have a car Title in my new lenders name and I have a letter from XXXX thanking me for purchasing my car. GM Financial is putting on my credit report I owe {$2500.00}. I have spoken with XXXX XXXX who put the purchase through, XXXX XXXX, the GM of the Dealership, several people at GM Financial and an assistant to the VP of GM Financial, XXXX XXXX and she told me she would take care of it. As of XX/XX/XXXX I am still getting hits on my credit report and this has been going on since XX/XX/XXXX. I don't understand the way I have been treated. I am the customer and GM Financial acknowledges they made a mistake. Instead of taking care of this for me like I was told they would, I have been talked to horribly. I have been talked down to, my credit has been damaged, it has dropped over a 100 points and I have been lied to over and over again and for no reason. I never thought a company like GM Financial would treat a customer like this. They acknowledge the mistake, but so far have not fixed it. This has been going on since the first week of XXXX and I feel I have been more than patient. I would like this problem to be resolved, because it is damaging my reputation. XXXX XXXX told me it could take the credit companies a month or so to report the correction on their end, but GM Financial has not even stopped reporting the false accusations that I owe them money, because I received another credit alert on XX/XX/XXXX saying GM Financial put it on my report that I owe {$2500.00}. I was told from the GM at XXXX that I would be receiving a letter from XXXX XXXX saying it was taken care of. I haven't. The last time I spoke with her she said she may have forgotten to sign off on it, but she would. So far, she hasn't or GM wouldn't keep posting it to the Credit Bureaus. Please help me to get this error corrected. It is damaging my life. I don't understand this, I am the customer and all I did was purchase my car. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: KS

Complaint narrative:
On XX/XX/2019, I received a new inquiry from the following business on my credit report. I did not authorize a company to do a credit check and I have not applied for any new credit. I am fearful that this is an attempt for someone to steal my identity. The company information is listed below : XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX I need this information removed from my credit report

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 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery , Inc reported unpaid collection of {$110.00} on XX/XX/2019. Original vendor is XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX. I have no idea what this is from? I have never received an invoice, statement or phonecall relating to this charge I called XXXX XXXX on Saturday XX/XX/19 ... I was told my account was XXXX and they didnt know what the problem was. I said I was coming in to speak with office manager and they told me not to come in? 
Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Made an on-time mortgage payment to Wells Fargo Home Mortgage, via online bill-pay, on XXXX. Wells Fargo extracted an additional payment from my account just XXXX  days later ( on XXXX ). I am the sole provider in my family ( wife stays at home with our children ) and need this money for other bills. Contacted Wells Fargo ... and informed them of this mistake. I requested an immediate refund OR a grace for the XX/XX/2019 payment. The first person could not help me ... and transferred me to a supervisor. She could not help me either, and referred me to the executive offices. I am now waiting for them to contact me ... meanwhile, I am out this 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 non-monetary relief
Consumer complaint received 2019-03-11 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:
I have 2 accounts listed on my credit from Portfolio Recovery Associates. I have disputed the account for XXXX XXXX twice. The last date that I submitted a dispute was on XX/XX/XXXX. And the second account is listed as XXXX XXXX was also disputed on XX/XX/XXXX. I sent a certified letter ( attached ) to them requesting the following : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
7. The batch number in which my account was purchased in. 

I received a response in the mail from them dated XX/XX/XXXX however, it didn't include the requested items above. I have attached the letter in which I received. According to the Fair Debt Collection Practices Act, a debt collection agency must stop collecting the debt until they provide validation of the debt. I received a call from the lawyers representing ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates on XX/XX/XXXX, since they didn't provide validation requested this is a violation. I have attached a screenshot of the missed call. 

There is 3 different amounts that are being shown under the XXXX XXXX  account. On the letter ( attached ) that was sent to me in their correspondence shows that the account balance is {$1400.00}, on the other letter ( attached ) it states the alleged account balance at the time of sale was {$1400.00}, and on my credit report the account balance is shown as {$1400.00}. On the correspondence ( attached ) for regarding XXXX XXXX, the amount shows {$420.00}, however the amount listed on my credit is {$420.00}. 
These inconsistencies shows that this debt isn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC

Complaint narrative:
Student loan offset satisfied ; Professional Bureau of Maryland Inc not advising US Dept Education of that fact, therefore freezing my XXXX tax refund. 
Collection Agent : Professional Bureau of Maryland acting for collector for US Department of Education XXXX XXXX Social Security number upon request Cell : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Good morning, My student loan payments have been made on time. 

The Professional Bureau of Maryland , Inc has - as of XX/XX/XXXX - not advised the US Department of Education that the Treasury Offset repayments have been satisfied All guidelines have been followed ; all necessary paperwork, documents etc. were submitted XX/XX/XXXX. 

As a result, our tax refund has not been released. 

I have exhausted all avenues of remedy. 

Your help rectifying this stressful situation is earnestly sought. 

Thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX GC Services, a collection Agent for XXXX, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a Federal Student Loan that was paid off but had been manipulated to create the current debt and was assigned to GC Services for collection.

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that XXXX has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires XXXX to offset my tax only with a court order and XXXX does not have the court order. GC Services, XXXX 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith.

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but GC Services never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed GC Services received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me.

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by GC Services, the certified agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This account was opened without my approval and authorization. I contacted XXXX XXXX/XXXX about this account being opened without my approval and authorization by XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX/XXXX is a scam and needs to be investigated because of their unfair business practices and all the dental offices that work with this company. I filed a complaint against them last year that this account didnt belong to me and I am not responsible for it. However, they are still reporting it to credit bureaus. 
I spoke with case XXXX- XXXX at the corporate office who handled my complaint to dispute services provided who advised that that I would be issued a credit in that amount and would no remove the account from my name. Last week, they reported the account as late to credit agencies. This account does not belong to me and should be removed from my credit file completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Between Friday XX/XX/2019 and Monday XX/XX/2019 I received more then TEN phone calls, voice messages and/or texts from either XXXX, XXXX XXXX or XXXX XXXX. Each phone call began with : concerning a loan application I submitted. 
I have NOT submitted an application to any lending institution. 
Three of the numbers : XXXX and XXXX and XXXX. 
I told the caller I had not applied and to please place me on their " Do not call list ''.

Company response to consumer: Closed with explanation