vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He received a letter from XXXX XXXX   confirming an application was submitted with his information without his consent. This account has been reported to XXXX, XXXX  and XXXX. An official dispute of this inquiry was mailed certified with return recipe tto SYNC/XXXX  however as of this date no reply from XXXX XXXX has been received. This is a violation of the FCRA and my client 's consumer rights.

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 2018-10-09 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: MO

Complaint narrative:
Looking at my credit report I noticed a XXXX account in collection. I called the company to investigate the account that was reported XX/XX/XXXX. The informed me it was an account that was from XX/XX/XXXX for a address that I had never lived at. I am requesting the account be closed and removed from 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 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have been repeatedly harassed by a company claiming to be XXXX XXXX. I have numerous voicemails and missed calls that start early in the day and last into the evening. I have tried calling and asking them to please send me validation the account/accounts in question only to be placed on hold and then told they could not give me anymore information. I asked for an address so that I can send them a validation letter only to be told they will not give me this information. The number they call from XXXX ( XXXX ) XXXX and give you XXXX and threaten that the matter will be escalated if they do not receive a call back. They have called my mother and harassed her on her phone as well. They are in clear violation of the federal law. I have a lawyer and I am ready to proceed with legal action for this harassing telecommunications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Today XX/XX/2018 I was contacted by XXXX XXXX in regards to a debt that has been pending for a few months now. I communicated that I am having financial difficulties and am not able to make a payment at the moment but that I will as soon as I have some spare money. He got upset and accused me of lying and trying to put off the debt. He continue to say is this what you tell your landlord? What more information do you need? You do know I will report this on your credit, its going to be runined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Assured Financial Partners
State: CA

Complaint narrative:
I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a XXXX  XXXX XXXX account they purchased back in XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with XXXX of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call XXXX XXXX  XXXX to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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:
Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.

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 2018-10-09 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:
Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During the time I was XXXX  ( XX/XX/XXXX-XX/XX/XXXX ), someone fraudulently submitted applications in my name to Capital One. Capital One sold the account to XXXX XXXX in XX/XX/XXXX. I have made several attempts and provided documentation to XXXX XXXX showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX, XXXX about a debt that is not mines. I sent them a letter of validation regarding this account. I received a letter stating that they bought an electrical file from XXXX  XXXX. I asking them to provide me with an original contract with my signature and/or electrical signature and they have not provide an evidence that this debt is mines. It is affecting my credit score 's and I would like the debt to just be removed. This company has not and will not provide a contract with my signature because I never signed a contract with them and/or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I am a XXXX, XXXX  XXXX Veteran with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my XXXX XXXX XXXX XXXX XXXX XXXX credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from prison in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the XXXX XXXX XXXX XXXX XXXX XXXX and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called TRANSWORLD SYSTEMS INC. ( TSI ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was incarcerated. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to TSI via certified Express mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX  the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to prison ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XX/XX/XXXX ) can apparently be collected as a federal debt would, through garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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:
this is not a duplicate request. 

on XX/XX/2018 I received a response from the Experian company stating that there are no longer 2 bankruptcies being reported, ( at the time of my complaint there were ). the chapter XXXX bankruptcy that was also being reported also has been removed and unable to be verified. the Experian company continues to violate of the fair reporting care act. the information that was being reported in the chapter XXXX that was removed due to invalidation, is the same invalid information being reported in the chapter XXXX, this bankruptcy is not mine. please remove the chapter XXXX bankruptcy that is also invalid from reporting on my file. I will attach the letters from the courts as they have no bankruptcy reporting under my name, also the furnisher of this information has verified that they have not supplied the Experian company with this info which means Experian is being deceitful on not forthcoming on the results of this dispute. I have provided Experian with all the information and request as required by law in getting them to stop reporting this as it is harming my reputation and my good name. I HAVE NEVER LIVED AT THE ADDRESS REPORTING THIS BANKRUPTCY AND I HAVE GIVEN THE FTC REPORT AND POLICE REPORT TO PROVE THAT THIS ADDRESS IS NOT MINE

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 2018-10-09 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: NY

Complaint narrative:
I DISPUTED WITH XXXX ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH XXXX XXXX. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH XXXX XXXX, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
1. I've never used XXXX. 

2. I have NEVER lived in XXXX, VA 3. Under employment data : I couldn't have been hired in XXXX, it's not me. 

4. XXXX XXXX XXXX XXXX Should be removed from report it expired XX/XX/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 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Through an article I read I found out that Wells Fargo has admitted a calculation error may have led to as many as 400 struggling homeowners needlessly losing their homes to foreclosure and many others being denied modification even though they were eligible. The affected homeowners were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 
It also states that the mistake in a mortgage-modification tool, discovered nearly three years ago, wrongly factored lawyers fees into the formula put forth by the government to determine if a homeowner would qualify for a federally backed program, like XX/XX/XXXXs Home Affordable Modification Program, or HAMP, Wells Fargo revealed in a regulatory filing. As a result of the banks error, as many as XXXX customers were incorrectly denied a loan modification, Wells said. 
During this time period I was denied HAMP loan modification over and over again. On Friday XX/XX/XXXX I called Wells Fargo to find out if my loan was one of the loans affected by this glitch. I was given a reference number of XXXX by XXXX XXXX who told me she was transferring this over to the investigator and that I should get a call back on Monday, XX/XX/XXXX. 
To date I have not been called nor have I been advised if my loan is one of the affected loans. 
I want Wells Fargo to investigate and evaluate my loan and advise me in writing with details if in fact my loan is one of the loans affected by the glitch. If my loan is affected by the glitch I want Wells Fargo to reevaluate a loan modification on my loan. My home is in foreclosure and a sale date will be set soon and I am in danger of losing my home. 

My information : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Tel : XXXX Wells Fargo Loan Number : 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 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northwood Asset Management Group
State: OH

Complaint narrative:
XX/XX/XXXX My Grandma had received a phone call from a company stating they needed to speak with me, I am unsure how they got her information. I called the agency, they had said I owed a debt and needed to pay it as soon as possible to stay away from legal action and brought up tax season. The gentlemen stated he would be sending me information to my e-mail since I told him this debt was already paid and had a letter that gave a confirmation number, I submitted it to this company but they stated it was not valid. I provided this gentlemen with an e-mail address three different times, along with sent an e-mail with the paperwork I had. XX/XX/XXXX He still did not send me information on the loan I supposedly owe. I have proof the loan was paid through bank statements. He was very rude and even brought up contacting my work and this going on my credit report. Pushed me into setting up a payment arrangement. The phone number I was receiving calls from was a different one I was told to call.

He said he was from NAM Group in XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I paid the amount agreed to on the loan contract for my co-borrower to be removed from my loan but he is still on the loan and has not been removed as of today. I have also not been allowed to enter the debt relief program with them as well.

Company response to consumer: Closed with explanation