vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I have an auto loan through XXXX XXXX ( Bank XXXX ) which was recently bought out. The " new '' bank, XXXX XXXX XXXX ( Bank XXXX ) who I was referred to by " Bank XXXX '' is advising they have no records of my account and do not own it. I was current on my loan prior to this debacle and have withheld making future payments in fear of being scammed. I was current on my loan up to XX/XX/2018. 

As of Friday XX/XX/2018 an unknown party, American Credit Acceptance ( Bank XXXX ), has started reaching out to me by phone and mail demanding payment for the loan and threatening repossession. In addition to demanding the money they have also sent a letter stating they have retained a collection agency for assistance in recovery of the vehicle on the basis I'm in violation of the loan terms because they do not have any of my auto insurance information ; which sounds like they are phishing for information they should already have if they were the account owner ( another fed flag ). This collection agency has began the a typical harassing behavior of debt collectors to myself and my referrals. I have asked for proof of debt/validation that they have the account and have not provided it, after advising I do not believe they are the account owners. I have requested proof of debt/validation and they have not supplied it which is a red flag. 

I reached out to " Bank XXXX '' Wednesday XX/XX/2018 being the originator of the loan, inquiring about " Bank XXXX '' and they have no knowledge of this company. In due diligence trying to dig into this, " Bank XXXX '' advised on a phone call Wednesday XX/XX/2018 they mailed an advisory letter sometime in XX/XX/2018 which I never received. I asked for a copy and they advised they could only provide a blank template of the letter sent to the customers ( which I requested and still have not received ). I contacted " Bank XXXX '' Thursday XX/XX/2018 when I was told they have no record of the debt. I contacted " Bank XXXX '' Friday XX/XX/2018 and Thursday XX/XX/2018 and requested proof be sent to me ( which I have still not received ). The lack of information being provided to me are red flags. 

My Credit report which I pulled on Thursday XX/XX/2018 shows " Bank XXXX '' as having the account but the debt is paid in full. Why has this not been updated to reflect the new account owner of my loan? ... which is another red flag.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies Transunion, XXXX   and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX   and Equifax. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon dispute with XXXXXXXX XXXX  acct # XXXX due to identity theft XXXXXXXX XXXX have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, Experian and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Recently I was a victim of a scam from a " XXXX XXXX '' for a rental of a property at the New Jersey XXXX. I initiated a wire in the amount of {$1800.00} to a XXXX XXXX XXXX account of an individual named " XXXX XXXX ''. I became suspicious as soon as my funds were sent and then contacted Chase Bank 's wiring department to have my wiring " recalled ''. Based on recall, I received an message requesting a " hold harmless Letter '' since the account is under a investigation by the XXXX XXXX Crimes Compliance department. I have also reported that this fraudulent situation to my local police station. According to XXXX, I need to have my bank XXXX  CHASE XXXX  issue a " Hold Harmless Agreement '' or obtain a seizure warrant to retrieve my money. I have coordinated with my banks corporate office and they have concluded that they will not provide the Hold Harmless Letter to help me retrieve my funds. I have also coordinated with my local police department and prosecutors office and they are also not able to issue me a seizure warrant. I have a complete email transcript and other supporting documents that substantiate that I was a true victim. According to the detective who contacted XXXX investigative unit, the scammers account has been locked down with over 20 wire transactions that has been tied up in the investigation. There is also an XXXX article cited the same individuals with the same scam. I'm just a civil servant working for the XXXX with XXXX kids in college and need my funds back. Please email me at XXXX or call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: NJ

Complaint narrative:
I received a letter from a company that I have never heard of named Stuart-Lippman and Associates , Inc stating that I owed an amount of money to a company that I also have never heard of, named XXXX XXXX XXXX XXXX. This was XX/XX/2018. I called them immediately and found out it was a debt collection agency based out of Arizona. They were very adamant with receiving payment and did not provide me with clear information as to why I owed the amount. Also indicating that it would affect my credit report if I did not pay. After the back and forth they agreed to send me more information which I then informed them that my lawyer will be happy to receive it. A few weeks go by and I still have not received anything until a full month later, XX/XX/2018. They send another letter identical to the first one. It was not the information that I was told I would receive. I am now speaking to my lawyer anyway and of course reporting it to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have submitted numerous complaints about ocwen and the ridiculous interest rate that I am paying. 12.4 percent is the amount i am paying. i am paying XXXX a month on time every month XXXX dollars go to my mortgage and XXXX goes to ocwen this is crazy. I have asked to have my interest rate to be reduced as I have been paying my mortgage on time. I am just giving my money away to this company each month. I do not understand how this is not considered illegal thru CFPB and why this is not being investigated. I do not understand what guidelines are given to these companies to charge such outrages rates.THIS NEEDS TO BE INVESTIGATED I WILL CONTINUE TO FILE A COMPLAINT UNTIL SOMETHING IS DONE. COMPANY IS NOT WILLING TO WORK WITH CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They are calling me about XXXX XXXX that was sold to Wells Fargo since 1999 and then said I had an account and supposedly I owe them XXXX and they want me to pay {$76.00} every two weeks for 24 weeks or I will get served to go to court and have to pay {$5000.00}.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX. XXXX  : XXXX 2. XXXX ( Equifax : XXXX. XXXX : XXXX, XXXX : XXXX 3. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CA

Complaint narrative:
I received a document from the Law Office of XXXX XXXX XXXX, XXXX. ( Debt Collector ) ( XXXX XXXX XXXX XXXX, Georgia XXXX ) notifying I owed had a balance of {$2300.00} from previous apartment complex I lived in The XXXX XXXX. I have tried to contacting the the company un multiple occasions and have not been able to talk to anyone. I did have a lease at this apt complex which ended in XX/XX/2016. At the time I gave my 30 day notice turned in my keys and processed all the paper work necessary with them as you do when you move out. I did not not have a reminder balance, owed any rent money or bills to apartment complex. I was also never notified or was reached by apartment complex after moving that there was something I owe. After receiving this letter from the tax collector I Contacted the apt complex office and they said they had nothing on file saying I owed any type type of money to them. They mention they did have a change in administration and staff so they couldn't really help me out. At this point I dont know what to do, I do not owe this amount of money, Im not sure if this is some type of fraud or what actions I should take, I also would not want this affect my credit score.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is against XXXX, TRANS UNION and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX. 
This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX. 
In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my 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 explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I am filing a complaint with Diversified Consultants. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX. Transunion : XXXX 2.  XXXX ( XXXX : XXXX. XXXX  : XXXX, Transunion : XXXX 3. XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : 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: PA

Complaint narrative:
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX. XXXX  : XXXX 2. XXXX ( XXXX : XXXX. Experian : XXXX, XXXX  : XXXX 3. XXXX XXXX ( XXXX  : XXXX Experian : 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: 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: IN

Complaint narrative:
In my credit report is a hard inquiry I did not recognize as authorized.

In result, my credit score dropped down.

I received a copy of my Experian credit report on XX/XX/2018. The credit report showed a credit inquiry by XXXX  on XX/XX/2018.

I talked to customer service and credit card specialist 2 times and after verification, they assured me ( no case number ), the inquiry will be removed up to a month. But they didnt. Then I sent a letter to the corporate office and received a response on XX/XX/2018, confirming they will contact Experian to fix this error. Their credit card specialist did nothing again and they dont introduce themselves.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.

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: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2018 XXXX XX/XX/XXXX # XXXX BAL INQ XXXX XXXX XXXX- {$2.00} XX/XX/2018 XXXX- {$4.00} XX/XX/2018 XXXX- {$16.00} XX/XX/2018 XXXX- {$12.00} XX/XX/2018 XXXX- {$0.00} XX/XX/2018 XXXX XXXX  Withdrawal fee- {$2.00} XX/XX/2018 XXXX XXXX   Withdrawal- {$100.00} XX/XX/2018 XXXX Withdrawal fee- {$2.00}XX/XX/2018XXXX-XXXX Withdrawal- {$120.00} I called the bank to make them aware that my new card and pin had been stolen out of my purse, by who Im unaware ... I dispute the charges in a timely manner, canceled my card and they still denied my dispute. I even explained my hardship to Bank of America saying I cant afford to loose anything. I was still denied ... I would like something done about this please

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is against XXXX, XXXX XXXX and EQUIFAX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is against EXPERIAN, XXXX XXXX and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my 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 explanation