vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Yesterday XX/XX/19 ..I discovered that their was a new debt collection on my credit it said that it opened XX/XX/2019 & it went to collection XX/XX/2019..so I contacted this creditor & after being transferred to multiple departments & giving different numbers to call, no one could find any information that I owed anything! Because I do not ..this is fraudulent & I want it removed immediately! They could not give me any information, they said they didn't have any to give so I asked why is this showing as a collection XX/XX/19? So they directed me to their fraud department. I want to get to the bottom of this & resolve!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Mailed letters to all three credit bureau explaining that it was fraud on my chase credit card along with a letter from XXXX XXXX XXXX saying it was fraud asking them to remove the late payments from my credit report. All they did was change the name from XXXX XXXX XXXX to XXXX XXXX XXXX  and still haven't taken it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX put my debt into collections it is wrong XX/XX/XXXX they gave it to LVN FUNDING LLC with a balance of {$640.00} they called my work multiple times everyday I could have lost my job they contacted my family they eventually got a hold of my mom and told her if I didn't pay this then I was going to jail within the week they threatened to put a lien on my car they threatened to garnish my wages and they threatened to put me in jail if I did not pay them my mom got so nervous they came to an agreement to pay off the account for {$400.00} and close it we have a paid in full letter from LVN FUNDING LLC For the Agreed amount to close the account for {$400.00}. I do not understand why it's still showing up on my credit report and I don't think they should be allowed to threaten people especially relatives my mom has a XXXX  XXXX and that could cause really big problems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card 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: CA

Complaint narrative:
Pre-Legal Notice Midlandcredit.com Company-XXXX XXXX MCM will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Pre-Legal Notice XXXX Company-Best Buy XXXX  will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On or about XX/XX/2018 a collect was open by a company called Porfolio Recovery Assoiciates gor the amount of {$410.00} that was fraudently opened in my name. I have disputed thus account with the credit bureaus and directly with the company numerous time and the account has not been deleted yet. This account is fraud and should not be on my credit file. This collection is hindering me from buying my 1st house which is a big deal to me and my family. I would like this account deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PCN Bank, NA XXXX XXXX  XXXX, XXXX, PAXXXX XX/XX/XXXX On the date of XX/XX/XXXX my certificate matured ( cert # XXXX ). I called to have my certificate ( CD ) to be closed on that date. I talked to XXXX XXXX and told her to close out the CD. She said she would and would send me a certified check for the amount of XXXX. I never received it. Weeks later I logged on to my online account and found out it was still open, and had a new maturity date of XX/XX/XXXX. 
On the date of XX/XX/XXXX I was I was told by the Bank to call the Retail Escalations Manager PCNBank XXXX, that it did not receive my certified check. I talked to a XXXX XXXX and he told me he would fix it, and I would receive the certified check, within 10 days. I have still not received the check

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times " That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX  reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
city bank withdrew money from my checking account claiming that it was their deposit while it was return from a canceled transaction which somehow disappeared from my bank monthly statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Below is a letter that I have received from XXXX  XXXX XXXX, stating clearly that I have paid the past due balance but it is still on my credit report. I would like to know why? 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Re : Payment Posted Dear XXXX XXXX, Account Number : XXXX Thank you for your inquiry regarding the above account. 
Our records indicate that a payment of {$220.00} was posted to your account on XX/XX/2019. 
The account now has a XXXX  balance. This account is officially closed. Should you have any questions, please contact customer service at XXXX. We will be happy to assist you. 
Sincerely, Customer Care 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 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX XXXX GURSTEL LAW FIRM P.C. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Purchased my home in XXXX, NC, XXXX and had the homeowners insurance coverage adequate for underwriting and it closed. My mortgage was sold to Dovenmuehle in or around XX/XX/XXXX. On XX/XX/XXXX. I receive a letter stating that we dont have adequate hazard insurance coverage and to immediately get this to them or will face lender forced insurance. We immediately did our due diligence and purchased a policy with XXXX that is {$2300.00} and includes Hazard ins. compared to previous homeowners of around {$800.00} a year, and submitted the required insurance declaration on XX/XX/XXXX, and XX/XX/XXXX. insurance was effective XX/XX/XXXX. We were sent three letters since then denying that it shows proper hazard coverage, had to call on XX/XX/XXXX and they miraculously noted it was faxed and verified we were covered. Today on XX/XX/XXXX receive a protected email from customer service @ Dovenmuehle stating they are going to charge me their personal hazard insurance from the closing date of XX/XX/XXXX until this new policy became effective. I have never missed a payment or lapsed on insurance. We were covered by the lender standards originally XXXX above the purchase price, it approved from the underwriter and clear to close, dovenmuehle was not the original lender, and I wasnt informed of required hazard insurance until they mailed me the letter in XX/XX/XXXX. I'm wanting to know what can we do to prevent this backdated forced lender insurance, and possible kickbacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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:
I am a victim of identity theft. My social security number and bank account information have been compromised.My daughter and son are having the same problem, and we are trying to resolve this. My daughter 's hard drive that included all of my family 's personal information was stolen. On XX/XX/2019, I found out that the thief has been using my social security to open up new credit card accounts and tried to withdraw money from my checking account through ACH by using my account number and routing number. The thief also changed the account information on Transunion such as current address, email, phone number so that I can't have an access to my own credit report and place a credit freeze. Also, since XX/XX/2019, the thief has applied to 7 companies to open the account, and two credit card accounts have been open under my name without my authorization. I filed the police report and reported to Federal Trade Commission. I have already contacted two companies that are associated with 2 new credit cards, and I have asked them to remove the accounts on my credit report. On XX/XX/2019, I contacted Transunion customer service center to dispute the items on my credit report. However, the customer representative won't help me with me and take care of hard inquiries that are completely fraudulent. Since XX/XX/2019, there has been 7 inquiries and 2 open accounts that I don't recognize. I really care about my credit, and I am very upset that they are not trying to help me resolve this mess that the thief has put me into. Also, the representative I talked to was very disrespectful, rude and impatient. They need to fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
As of XX/XX/XXXX SunTrust has continued to report incorrect deficiency amount and account history on a loan originating in XX/XX/XXXX for 72 months. 

The date of first delinquency is XX/XX/XXXX This account has timed out and should no longer be reporting. 

SunTrust has continued to update and change date of last activity after being disputed directly and through the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019 a CFPB complaint was opened against National Credit Adjusters regarding a clear failure to properly notify the consumer Of a debt. 
This complaint number in reference is : XXXX In the companies response they provided a false and misleading statement when referencing the account ( s ) in dispute. 
They have reported and continue to report this information in a negative file to the 3 major credit bureaus. 
They have failed to properly comply with the disputed filed through the credit bureaus They have stated in response to the complaint filed with CFPB that they are not reporting this information to the credit bureaus which is clearly an erroneous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
It has come to my attention that this lender is not legally licensed by the state of California. Upon checking the DBO, Balance Credit is not listed on the DBO website. I have received 2 loans where I was charged excessive fees that were not legal in the state of California. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received multiple loans that dates back to XX/XX/2017 have had several bi-weekly withdrawal payments from my bank account. 

With the past and current loan taken out I have over paid due to the excessive interest accessed. I would like my existing loan to be deemed as paid in full with all the overpayments I have made for the past 2 years. 

I have requested to revoke authorization for ACH withdrawals. I have sent two emails and have not gotten a response. Usually, Balance Credit responds immediately to emails within 1-3 hours if its in regards to another matter ( such as payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation