vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northtown Capital Services Group LLC
State: TX

Complaint narrative:
Company : Northtown Capital Services Group LLC Representative : XXXX XXXX XXXX XXXX : XXXX Company Phone : XXXX Issue : Repeated calling, calling relatives and associates, calling after being told to send correspondence by mail, refusing to identify the organization calling Hello, I have had repeated calls from relatives stating this person from this company has been calling and asking to verify information about me. This is a direct violation of the FDCPA. I have received a phone call myself and told this person I would not verify who I was until I knew to whom I was speaking. This person stated they would not do so because it was a " private matter '. I then told them to send any correspondence to any address they had on record and to not call me any longer. They immediately proceeded to call any person with whom I have associated asking for verification on my whereabouts and contact information. This is a second violation of the FDCPA. I have never done business with this company and to my knowledge have no outstanding debt with them or anyone else at this time. 

Please send them a cease and desist order for phone calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XX/XX/XXXX on my behalf, with no response from XX/XX/XXXX. also i disputed with XX/XX/XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

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 2020-11-23 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: NM

Complaint narrative:
Trans Union, XX/XX/XXXX and XX/XX/XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-11-23 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: NM

Complaint narrative:
XXXX XXXX, XX/XX/XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First 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 2020-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo got my international wire money XXXX dollars last octubre XX/XX/2020 and at this time that money is not in my family account in XXXX and is not in my USA account too! I called then several times and they didnt resolved anything! Now Im requesting prove of they give that money to XXXX XXXX that was intermediary between XXXX XXXX and Wells Fargo, and I have 7 days waiting for it! I dont have any documents to ask in XXXX for my money there! Please help me to locate my money and get it back

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
I received a court notice of judgement and default stating that I had been sued for a debt on XX/XX/2020 from the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law on behalf of Collection Bureau , Inc. I received no prior notices of the lawsuit and the court papers do not state what the debts are owed for. They entered a judgement against me for {$880.00} plus attorneys fees of {$400.00}, {$200.00} in other costs for a total of {$1400.00} for failing to respond to the lawsuit which I never received notice for. They served my court papers to a person not related to me and who I do not know and had them sign for me ( if it was required for the person receiving the papers to do so ). I furthermore do not live at the address they had served to and have not lived there in six months. This is a violation of my privacy as the person receiving my mail and court papers did not have the legal right to do so and it potentially gave them access to my personal information that they were not legally entitled to because the papers contained the court case number which the person could have looked up. Luckily, the person who received the mail did the right thing and forwarded it to the post office who then forwarded this first notice of the lawsuit to my current address ( I have had trouble with the post office properly forwarding my mail to me since XXXX and I have called the post office several times to try to resolve the issue ). Therefore, the attorneys for Collection Bureau , Inc. falsely certified to the XXXX County Court Clerk that they had served me with the court papers when they in fact had not. Therefore, I had a judgment entered against me for debt I was unaware of and am not sure is valid because I failed to respond to a court notice that I never received. 

I have no knowledge of owing them any debt as my husband had paid Collection Bureau , Inc. some outstanding medical debts on my behalf back in XX/XX/2020. As far as I am aware, I did not owe them any more money because they sent me no notices notifying that I owed them further debt. 

I called both Collection Bureau , Inc. and the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law to notify them of their improper court filing on XX/XX/2020. I also emailed the law office on XX/XX/2020. They assured me that they would be placing the judgment on hold. I plan to file a court response to let the court know that I was not aware of the lawsuit or what the debts they list are for since my husband had already paid them in XXXX for previous medical debts I had owed and I believed the debts were no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Synovus Bank
State: GA

Complaint narrative:
In XX/XX/XXXX, I was experiencing issues with my hours and pay from being on leave and I made a mistake in falling behind on this credit card and made an effort to make a payment before XX/XX/XXXX by submitting a payment on Saturday, XX/XX/XXXX. 

I was expecting to receive payment from my employer on Monday, XX/XX/XXXX as my payment had been delayed due to when I started back working. When I returned to work that Monday, I discovered that I would not receive my paycheck until that Friday due to a system error. I called First Progress customer service department immediately to cancel the initial payment and submit a secondary payment from a different source. 

I was informed by the customer service representative that I couldnt do that as the payment was already pending but to not worry as the payment wouldnt be processed until that Friday, XX/XX/XXXX and therefore it would not be reported late. I took the representatives word on this. I checked my First Progress account on Friday, XX/XX/XXXX, and saw that the payment had been deducted and then returned on the XXXX, which contradicted the initial information that I had received. I contacted customer service again and spoke with another representative who confirmed that Id been given incorrect information and that I should have been told to call back the next day to resubmit the payment before it reported out to the credit bureaus on the XXXX as 30 days past due. I truly would have done so had I been initially told this important information. 

I was told that I could attempt to submit a goodwill letter to the company and they may be able to remove the payment as it is my only late payment. I did this and they agreed to remove the payment. I was informed that they had agreed to this when I called in two weeks later to check the status and that my report would be updated in 30 days. The update appeared in XX/XX/XXXX. 

I received an alert in XX/XX/XXXX that the late payment from XX/XX/XXXX had been added back to my report. This is after the company agreed to the removal. I haven't had any late payments at all on this account since this incident and I have kept the balance at {$0.00} each statement cycle. I contacted the company and they could not provide me with any information other than to fax them over what I initially sent. This is unacceptable. I decided to close the card today as this company 's business practices aren't ethical and I do not want to continue doing business with them. 

I have attached a copy of my credit report from XXXX as proof that the late payment has been removed. I also attached a copy of the letter that was initially faxed over to the company in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I tried to rebath my bathrooms through XXXX XXXX XXXX. The XXXX Consultant took my information " If '' I want it to Finance through them (? ). Which I did. After learning and researching their finance documents I decided to cancelled our agreement. I right away I faxed them the cancellation noticed via fax and also to via text to the Design Consultant, and via US mail. After 4 days the consultant email me and " said that my credit was awful!. That I didn't had to cancelled. Today XX/XX/2020 I got a financial credit report from " TransUnion Financial Services, and everything on their report its NOT ACCURATE! I have my mortgage through XXXX XXXX XXXX, and I am ahead on my mortgage payments until XX/XX/2012, XX/XX/XXXX the same never missed a Payment always current no delinquencies, TransUnion its wrong and UNFAIR! Thank you!

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 2020-11-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

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 2020-11-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

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 2020-11-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is $ XXXXThey also never gave any material disclosure disclosing I have a right of recession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
When i checked my credit as i often do, i saw that Jefferson Capital placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted Jefferson Capital demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly Jefferson Capital has not validated any contract that i consented or agreed to with their company. Jefferson Capital has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: NH

Complaint narrative:
Caliber Home Loans continues to place harassing phone calls to my phone despite being advised that I owe no debt. They call in regards to a XXXX XXXX who I have no affiliation with. In the most recent call the bill collector failed to identify himself or the company calling and what it was in regards to which is a clear violation of federal law. I call the Company back and spoke with representative XXXX who would only provide part of his name XXXX employee number XXXX. 

Call XX/XX/XXXX at XXXX Call XX/XX/XXXX at XXXX I continue to receive harassing and distressing phone calls from this company and they have now began using illegal collections tactics. I urge the CFPB to pursue an investigation into this company and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

Company response to consumer: Closed with explanation