vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: MD

Complaint narrative:
Hello, I have a problem with the EXPERIAN credit reporting agency. They are reporting false information on my credit report. I sent them a police report a police complaint number and a letter stating about my Identity Theft. They did not attach the documents to my file nor have they fixed the issues with uploading documents on their website. XXXX XXXX  and XXXX XXXX are fraudulent accounts on my credit report and EXPERIAN refuses to take them off.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
I hired Lexington Law Firm to remove erroneous information from my credit report. I spoke with a representative and explained my needs. I understand that it can take 30-60 days for a response. They continue bill me for XXXX  XXXX that I did not ask for while I await a response from creditors. Ironically the erroneous charge on my credit report is only {$350.00}. I've paid Lexington {$910.00} for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Approximately two weeks ago ( week of XX/XX/2020 I began receiving robo-calls from Midland Credit Management. They called several times throughout the day and evening, using many different telephone numbers ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ). In picking up one of their calls on Wednesday, XX/XX/2020, I explained to the person that I had already made arrangements with XXXX XXXX XXXX about the balance and was paying them directly. The person became argumentative and I told them not to call me again and any questions should be directed to XXXX. However, the calls continue to come in no matter what I do on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear CFPB, Bank of America and myself have had a long history of mortgage, XXXX. I refinances a home loan in to a home equity loan in XXXX. B Of A decided to change the terms and agreements on the loan in XXXX on the account for taxes, school taxes, water and sewer. XXXX, I had another banking company refinance the loan, at the time, I had only owed $ XXXX but B Of A added over {$10000.00} in escrow on the account. I just recently found out that B Of A did not pay for some of the XXXX taxes, water and sewer bills, so I am now left to pay these expenses. I contacted the taxing agency in my area to verify and in fact B Of A never paid for XXXX, sewer and water bills of {$430.00}, and the person reported they where always late and paid a partial payment. I was never late on the loan and paid what was agreed monthly, they added the escrow on to the back end of the loan and charged me late fees plus interest charges. I received a call from a " XXXX XXXX '' XXXX ext. XXXX, he made one attempt to call me. I have called him now 3-4 times leaving messages but no call back from him at B Of A. He sent a letter out saying, " If I do not call him by XX/XX/XXXX for a full review of my claims ''. This is some how not right and should be reviewed by CFPB. Thank you for your time and support pertaining to this matter. 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 2020-11-05 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. 

XXXX XXXX VEHICLE ACCOUNT DETAILS XXXX Account number XXXX Vehicle ID number XXXX XXXX, XXXX Account opened This vehicle was XXXX XX/XX/XXXX I'm writing because I was forced to turn-in my vehicle in XX/XX/XXXX because of unemployment due to medical issues that forced me to collect on XXXX. I attempted to refinance the vehicle which had a remaining balance of {$38000.00} with other creditors and with GMFinancial so that I could possibly make payments once my XXXX was approved. They denied the request. The vehicle was originally priced at {$52000.00} in XX/XX/XXXX when I purchased it and the payments were {$990.00}. I voluntarily turned the vehicle back in for repossession because I was ill, stressed, and unable to continue the payments. I requested a hardship discharge of the balance once the vehicle was sold with a balance of {$15000.00} still due. When I logged into the account, I read the statement : We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. Therefore, I assumed that they approved the hardship discharge of the balance. However, they have now began reporting the account 35 negative delinquencies from XX/XX/XXXX - XXXX XX/XX/XXXX. How is it possible for them to report negative payments when they stated they were no longer collecting payments? They said I may make payments if I choose. I spoke with them last week and explained that I can't afford to pay the bill off. I'm on permanent XXXX and they said I was not required to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 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 the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX  confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX  bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX  noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX  agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ). 

I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations. 

At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX  XXXX {$19000.00} XXXX  XXXX  XXXX {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Paid the in full what I owed vehicle was in a flood

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I completed XX/XX/XXXX school but due to unforeseen health issues was unable to obtain a XX/XX/XXXX. I have two private student loans. My income is not what it would be if I could XXXX XXXX  so the terms and payment plans available to me are not feasible. The student loan servicing company is AES. 

I have applied and been approved for a home mortgage but the terms of my student loans will not work for the underwriter because it makes my debt to income too high. AES only has three repayment options available to me but none of them are affordable. On three occasions they have given me a name of the lender and encouraged me to contact them to see if another option is available to me. They gave me the names XXXX  and XXXX as the name/s of my lender but will not provide me with any contact information. My search for XXXX  and XXXX leads me nowhere. 

I have no idea who my lender is or how to contact them to work out a more reasonable payment plan. Perhaps important to note is that my loans were for a XXXXXX/XX/XXXX school where we were guaranteed to do well on XX/XX/XXXX and get into XX/XX/XXXX I had three loans initially which have been shuffled around - one of which was sent to a collections agency but I was never given sufficient information as to why. I believe it defaulted but it was never explained to me why and options were not provided to prevent this from happening. I have been paying {$300.00} per month to the collections agency for several years now - but three or four months ago the {$300.00} stopped coming out of my account but I didn't notice until recently and the collections agency didn't reach out to me via phone until recently - no email, no regular mail. My phone blocks what it considers to be robocalls or spam calls so I have received only a few voicemails from them. 

So my complaint - I have no way of working out a more reasonable payment plan which is needed given my income as a non-practicingXX/XX/XXXX ; I have no information about who the actual lender is ; my mortgage is on hold and may lose the house if we can't close on time. We are first time home buyers - only trying to buy a house that is sufficient for our family - modest home. Also important to note is the terrible inconsistency in information given to me by AES as seen in the attached documents. My mortgage lender can not make any sense out of what has been provided and neither can I. 

In case you are wondering what health issues prevented me from getting into XX/XX/XXXX and being able to practice as aXX/XX/XXXX - a XX/XX/XXXX XXXX on my XXXX resulting in removal of the XXXX and XXXX. Severe XXXX that led to the discovery of the XXXX. A showering of XXXX XXXX in both of my XXXX. Both nearly killed me and both required an extensive period of time for recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX {$170000.00}

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 2020-11-05 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX  XXXX {$170000.00}

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 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I want to contact Comenity Bank through this channel because I dont know what else to do. In XXXX went to forever 21, this company offered me a discount, I had no idea he was applying for a credit card, I thought it was a store discount card, and gave them my credit card to charge, but they ended up putting it on the Forever21/Comenity card. 

Also, during Covid, I was stuck being out of California and couldnt travel back home to check my mail. When I came back I saw bills from Comenity but the front of notices always showed Comenity and not Forever21, so I thought this was all junk mail and I found out when I got an alert from my credit report that the score had plummeted. 

This was an unfair situation, since I was not even aware of what they did. This is a violation to my rights as a consumer. I have suffered many financial and emotional damages because of their actions. All I want is the item to be removed from my reports. 

The account information is the following : Account # # XXXX Date Opened XX/XX/2020, High Credit {$300.00}, Credit Limit {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, i applied for 24 month loan to finance the purchase of a new dog. I read through all of the truth in lending disclosures and the contract and felt confident signing based on what i was reading so i signed the contract. On XX/XX/XXXX i received a credit alert that new account had been opened by a lender i had never heard of, Monterey Financial Services. Upon review, the amount matched the amount for the loan i just opened with XXXX. I reached out to XXXX 's custmer care to ask if this company was associated with them and they stated yes, it is their billing provider. Upon verification and gathering the account number to log in online, it appears this company is primarily a debt collection company. After reviewing my online account, it appears that my current payoff amount is higher than my original loan amount, even though my contract states i am interest free for 90days unless not paid off within those 90 days. I tried to contact the company but can not get through to someone on their listed phone number and have not received a call back. I reached back out to the original company i signed the contract with to voice my concerns and they assured me all was well. I stated that upon reviewing the contract there was no mention of a 3rd party servicer or that there would be fees associated with making regular and one time payments on the loan, and that had i known any of this, i wouldnt have opened the account, i would have just paid out of pocket to avoid any of this mess. I mentioned that when we opened our home loan, our truth in lending disclosures included mention of the loan being able to be serviced by a 3rd party, so we were made aware of that beforehand and could ask clarifying questions to be sure we understood all of the terms of the contract and loan and i feel duped and mislead by them omitting this in their disclosures to us. I would like both companies investigated and i would like this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 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? XXXX. 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 the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation