vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MD

Complaint narrative:
I monitor my credit on a regular basis and noticed that this item popped up in XXXX of this year. I filed a identify theft affidavit as well as a notarized letter and sent it to them. Prior, I have challenged this item to no avail. This is absurd, I have no knowledge of this company, never authorized a payday loan and have had no accounts with with ever. Not one person resolved this egregious error. It's ludicrous that you can put anything on a credit report without anything being validated and it's hard for the consumers to repair. As I'm approaching my closing date for my house this further jeopardizes yet something else I worked hard for, my credit and buying a home. I want it removed from all 3 credit bureau or I will have to pursue other legal recourse. My identify theft report is included as well as my notarized affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I got a {$800.00} loan. I lost my job and they are severely harassing me threatening to have me arrested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: KS

Complaint narrative:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract.

2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that NATIONAL CREDIT MANAGEMENT has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.

I hereby serve Notice that failure to provide Proof of Claim by NATIONAL CREDIT MANAGEMENT has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring NATIONAL CREDIT MANAGEMENT from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another.

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of NATIONAL CREDIT MANAGEMENT agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: TN

Complaint narrative:
I had a summons to XXXX County General Sessions Court today regarding the plaintiff Discover Bank vs XXXX XXXX. Discover Bank mailed new a letter stating ; the account has been charged off and XXXX XXXX XXXX is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: FL

Complaint narrative:
I am a victim of identity Theft. I did not Authorize these Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: FL

Complaint narrative:
I am a victim of identity Theft. I did not Authorize these Accounts

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 2019-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
On XX/XX/2019 Weltman , Weinberg & Reis Co. , L.P.A . sent my co-signer a notice in the mail stating that a payment was not applied to the account # XXXX in the amount of {$45.00} but I made an electronic payment on XX/XX/2019. 

They are showing a balance of {$1900.00} and I have a balance of {$1900.00}. 

The information they are providing is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have a credit score of XXXX. Quicken Loans was my initial mortgage company also. I informed Quicken that I was going to refinance and they offered me refinancing on XX/XX/XXXX to stay with them. I completed application, and provided all documents timely, and almost all documents required, I provided either same or next day. Initially, they promised to pay {$1400.00} of the points, but in the closing disclosure, they changed it to {$920.00}. I tried constantly to change it, but they wouldn't do it. I contacted XXXX on several occasions, and he told me that I should just pay it to avoid delay. I was ready to close since XX/XX/XXXX, and wanted to avoid paying another mortgage payment ( the whole idea was to reduce my monthly P & I from XXXX to XXXX ). I had to make a payment because of their unnecessary delays and incompetence. I lost {$1000.00} as a result of their delays. Please help me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
Subject : XXXX XXXX and their debt collection department Zwicker & Associate are not providing the account numbers for my three credit cards. 

Issue : 1 ) XXXX XXXX removed Auto pay access from the three credit card account. 
2 ) XXXX XXXX & Zwicker & Associate refusing to provide account numbers for my three credit cards. I have the right to know my account numbers. 
3 ) The monthly XXXX XXXX statements only provide the last 5 digits of my three credit cards.

Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to XXXX XXXX on XX/XX/2019 around XXXX XXXX  at XXXX and they referred me to debt collection department Zwicker & Associate. XXXX XXXX representative told me to call at XXXX which is the debt collector Zwicker & Associate. I called Zwicker & Associate and they referred me back to XXXX XXXX and refused to provide the three account numbers for which debt is owed. Zwicker & Associate said XXXX XXXX had instructed them not to provide to the customer. I contacted XXXX XXXX again and this time the representative hang up the call and didn't provide the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

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 2019-11-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TN

Complaint narrative:
I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

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 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America
State: TX

Complaint narrative:
On XXXX I received a call from this number at XXXX XXXX  while I was at work. The call was on my cell phone, but still I was at work. The call stated it was a spam risk. Then on XX/XX/2019 at XXXX XXXX  a call from the same number of XXXX came to my cell phone and it was also a spam risk call. I answered the second call and I waited another line rang and the lady stated she was from Financial Corporation of America. I immediately hung up the phone. Please check Financial Corporations response to complain number XXXX. They stated they would not call me or contact me anymore and I have asked them not to and they are still contacting me. Please see attached document.

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I selected a new vehicle to lease and completed all required paperwork on XX/XX/2019 at which time my credit was run with no issue. I went to XXXX on XX/XX/2019 to complete the transaction and pick up my car. Upon reviewing the lease agreement I found that my information regarding my address had been changed without my knowledge and was the incorrect address. The Credit Manager at XXXX informed me that my credit was run a second time, without my authorization, right before I came down to the dealership to pick up my car due to the the fact that he changed my address on file. I requested that he contact the credit bureau ( XXXX  ) to rectify this and was informed he would follow up with me. I never heard from the Credit Manager at XXXX so I followed up with the General Manager on XX/XX/2019 via email who got back to me on XX/XX/2019 and informed me he would look into it and remove the unauthorized and incorrect credit inquiry from my report on XX/XX/2019. The General Manager followed up via email on XX/XX/2019 that he was still working with the credit department. I followed back up on XX/XX/2019 and XX/XX/2019 with no response from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: SC

Complaint narrative:
Company : XXXX Charges on debit card with Simple Bank ( BBVA Compass ) : XX/XX/XXXX - 2 charges of {$190.00} XXXX XXXX {$190.00} XX/XX/XXXX - {$190.00} After disputing the XXXX charges my bank gave a provisional credit then reversed it. Directly after I received 2 additional charges on the same date from the Company. I was confused as to why my bank did not 1 ) suggest I order a new card 2 ) block the merchant as i reported this as fraud. Bank says without additional information they will not reopen case. Will not disclose if they actually talked to the business and what service they are claiming to be providing to me. Since the last 2 charges, a new debit card has been issued. I've reached out to company SEVERAL times throughout XXXX with the contact form on their website as they do not have a phone number to contact. I've screenshot some of thee interactions ( when I began to realize that this was going to be an issue I needed documentation for ) and although a confirmation message shows I will be contacted in 24-48 hrs, I have never received any response. As far as I can tell, this is a social media boosting service. I have a business account on instagram since they charged my account I have tracked my insights and see no change in interactions with my account. Not receiving the services they claim to be providing by the charges, nor do I wish to. I've tried to log on to their site using my information and tried all passwords until I was locked out. They sent me a code to reset however it said I was not able to view my account & had too many attempts. Now my bank will not respond to my attempt to reopen the claim and has not shown me any proof of contact with the company to verify these charges. I keep being told their dispute dept will get back with me and i get a text from a different team member each time either telling me to submit additional information via email, which i have done, or that they are closing the claim with no explanation. I filed a police report on XX/XX/2019 with officer XXXX XXXX. case no : XXXX ( XXXX ). While I was in the police departed, he tried to locate XXXX XXXX online and could not find any trace of the company either. Also showed him correspondence from my bank and he was shocked that my bank was transferring my claim to a different rep with each message/reply instead of one person following up with me. I showed him my banking transaction history and he suggested I file a claim against the bank itself. I gave the bank one week to respond to my claim again, informing them i would be filing a claim against them one week from that date. No action has been taken to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Received call from someone @ FCB ( XXXX ) saying they're closing my accounts. 
Went to branch, withdrew my money. 
Unable to download account statements, two disputes outstanding. 
Called C/S to ask for help, they've blocked my number. 
Called with *67. first agent kept talking over me, demanded supervisor. Got to supervisor, talked a bit, she hung up on me. 
No longer able to login online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-08 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: NY

Complaint narrative:
These accounts and inquires are not mine. I would like them removed

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 2019-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/2019.

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation