vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL

Complaint narrative:
have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
We opened up a claim against our mortgage company, Bayview Loan Servicing , LLC in XX/XX/2018. When our PMI was finally canceled, our loan-to-value ratio was at 67 %. We requested a refund from the time that our PMI should have been canceled, 78 %. We did receive a refund at the 75 % point. We were told that in NYS, automatic termination takes place at 75 %. We inquired and were told it is because we live in NY. However, after further research, their own paperwork, and the NYS website, it says that when Federal and State law come in conflict, that the clause more favorable to the homeowner would apply. Federal law states that PMI will be terminated at 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Holloway Credit Solutions
State: AL

Complaint narrative:
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/2018, I was informed by my father XXXX XXXX XXXX that he received yet ANOTHER call from XXXX  XXXX XXXX on his phone number of XXXX and which they've asked for me. .. and was told repeatedly they have the wrong number because of the verification of the last four digits of his social are not mines, and I XXXX XXXX XXXX am the person in whom they're looking for. So I called the number on my dads phone ( XXXX ) from my phone number XXXX and spoke to XXXX XXXX, and was told that my phone number ( XXXX ) XXXX is on the file. So when I asked XXXX XXXX, then why is he calling my Fathers phone number repeatedly for the past several months ... when they have my phone number on file. he replied to me. " it was a dialer call ''. ( illegal ). I then informed XXXX, that I'm not in hiding and whatever skiptracing tool their using shows my current address and phone number to get directly to me. AND the fact that they've not called me in months ... yet are still calling my dad is a violation under the FDCPA Section 806 for Harassment .... I asked him to answer as to why they're purposely calling my dad when they have my number ... and was ignored. ... XXXX XXXX then told me he'd rather me speak to a supervisor and the call was transferred to XXXX XXXX. His professionalism was worst then XXXX, the account manager. He refused to address the situation of them harassing my father ... he continued to talk over me, and talk at me while I was talking, attempting to berate me on the phone call. 
I eventually informed XXXX that I WILL be following up with a complaint cause it's clear my rights and the right to contact a third party repeatedly have been violated and clearly they have no intent on apologizing or being humble to even attempt to correct the problem ... all he wanted to do is attempt to collect a debt ... .3 All in all these collectors were Rude, and Disrespectful and Honoree even after being informed of their violations and I plan to make sure I do whatever it takes to get the word out on this companies, poor collection tactics.. and harassing measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX XXXX Equifax : XXXX : XXXX XXXX  : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX? XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the  secretary of state which shows i have no lien placed against my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX XXXXXXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX Ally Bank XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

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 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2018 Wells Fargo sent me two letters informing me that they are closing my two business checking accounts. They did not provide a reason. One of these accounts has been with Wells Fargo for 20 years. I called Wells Fargo asking why they are closing my accounts, and they said they would not disclose why. Both accounts are in good standing, and I can not think of any reason they would close these accounts. I have multiple other accounts tied to these - both to receive income and pay bills. It is causing a significant disruption to my business.

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 2018-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
MY COMPLAINT I got my car repossessed while I was with my family in Oregon. She was told she has until this Friday, XXXX XX/XX/2018 to pay a total of {$1700.00}. My grandfather committed to give her {$900.00}. The best way we could figure to do that was for us to login to the Santander payment website and make a payment by electronic check. We made the {$900.00} payment by electronic check from my grandfathers credit union in XXXX, Oregon. His account information shows the payment. My online account shows the payment. But customer service people with Santander will not honor the payment even though they have the money. I dont know what you call this but I call it theft. They have taken our money and they will not honor the transaction we have entered into. They continue to harass me and refuse to release her car for the balance she owes above the {$900.00} that was paid. I have {$850.00} which is the balance they indicate she owes, but they will not take it and release her car. I plan on still making that payment so that I can prove that they are a crooked. 

Santander has multiple complaints with the XXXX XXXX XXXX. Several people have complained that Santander does not release and send their title when they have paid off their loan. XXXX should vet their lenders and not subject their customers to a terrible lender like Santander. Santander has essentially stolen our money and XXXX has facilitated this. 

SANTANDER CONSUMER USA 'S RESPONSE They keep insisting that with their reinstatement policy that they need to see the bank statement showing the amount of money coming out of the account. My grandfather is not comfortable sharing that information when the funds have already been verified and released. On top of it all they stated to me that they do not accept payments from third parties, which is a flat out lie, because I have had a boyfriend maybe several payments for me in the past. In any case if that is the case they do not accept third party payments then they need to refund the {$900.00} that was paid to them to go towards my principle, instead they told me they CAN NOT refund the amount and they WILL NOT apply that towards the reinstatement process. Over the course of the 30 min phone call the man on the phone continued to get more and more volatile with me stating I can get the vehicle back if I pay XXXX with my debit card. My issue is I paid {$900.00} so the remaining balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX  of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX? XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : 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 2018-07-26 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: GA

Complaint narrative:
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX? XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  : 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 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In correspondence dated XXXX I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. XXXX XXXX # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days. 

Attached : Copy of my initial letter to this company Copy of my id theft 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 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
In correspondence dated XX/XX/2018 I sent this company my disputes in regards to validation of the debt they say I owed them.To my surprise, this company did not validate, neither did it indicate that I have disputed this account : CREDIT PROTECTION ASSOCIATION ACC # XXXX As a result, this company is in violation of FDCPA and California Credit Reporting Act, firstly, failing to mark the account as disputed on the credit report. And secondly for failing to validate the account. 

These my final correspondence after which am prepared to file a lawsuit against them Attached : Copy of my initial letter to this snapshot of account from latest report, showing the account is not showing disputed Small claims form ( sc-100 )

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 2018-07-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WLCC
State: ME

Complaint narrative:
On XX/XX/XXXX I received a voicemail from " XXXX '' calling from XXXX. She advised she was calling from " XXXX XXXX XXXX '' and I needed to call her immediately. I returned the call and XXXX proceeded to tell me that I took out a {$400.00} loan with her company in XXXX and now owe over {$600.00}. I advised that I had never heard of her company, never took out a loan, and owed them nothing. She then provided me with " reference names '' I allegedly provided when applying for this loan and I told her I did not know who these names were. I then advised I had never taken a loan from her company, had never even heard of them, and they are trying to collect a bogus debt they are saying is from over three years ago and they need to stop calling me. XXXX then told me that I need to file a police report ( again, for something that allegedly occurred over three years ago ), and that this would be going on my credit report. I told her I went through a bankruptcy last year and do not owe anyone anything, and that she does not have the right to alter or examine my credit report at all as this is not my debt. XXXX continued to speak over me and tell me that I was " making this more difficult for myself ''. At this point I terminated the call.

Company response to consumer: Closed with monetary relief