vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 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: NC

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.

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 2018-07-25 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
I have no recollection of doing business with this creditor. I have disputed this account numerous times. After numerous attempts to have the account removed from my report through disputes account continues to be verified and not investigated properly. The Creditor continues to refuse to remove account and re-aged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
Im trying to make this simple .on the date XX/XX/XXXX and XX/XX/XXXX I receive 2 colect bills from you now! In telling yo this debt was result of identity theft Im going to provide you a police report and mi right and legal documents to prove it I want to know how you can collect a bill in my name without the right documents Im filling up a report to this company be cuz I never have any service from you or you originally colect person company.. I will go to the bottom line in this matter yall can follow this with the XXXX county police dept

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Business Funding
State: GA

Complaint narrative:
Central Business Funding is trying to collect a debt that I do not owe. Spoke with the rude office manager named XXXX XXXX making verbal threats about what type of person I am and I would be sent to a debt collection for {$2400.00}, that I have never made a payment .... This company is a scam and trying to use scare tactics against individuals. I will not be threatened by him or this company. I will not be paying a debt, I never started ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
An agent from the company call Me on XX/XX/2018 @ XXXX. No consent was ever given by me to speak to her concerning the debt in violation of the Fair Debt Collection Practice Act. 805. "  Communication in connection with debt collection '' Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

One day before her call, the agent informed me that a letter was mailed to my home address on XX/XX/2018 in violation of 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice The agent I spoke with was both abusive and oppressive with me, and used obscene language to abuse the hearer of her words. I was also harmed with a threat of my reputation being ruin if the debt was not paid in full. In violation of 806. Harassment or abuse 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: GA

Complaint narrative:
On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.

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 2018-07-25 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: GA

Complaint narrative:
On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: NC

Complaint narrative:
XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: NC

Complaint narrative:
XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I XXXX XXXX XXXX and spouse XXXX XXXX XXXX XXXX purchased a property located at XXXX XXXX XXXX XXXX XXXX, Ca.. The original Loan was with XXXX XXXX. 
In XXXX, XXXX XXXX merged with XXXX XXXX XXXX  XXXX. In XXXX, We refinanced to pay off existing loan with XXXX XXXX. Now. We are in the process of selling our property, I found out that there is a lien with XXXX XXXX, also found out that XXXX XXXX merged with Zion first national Bank in XXXX. We fully paid the loan in XXXX I sent a request to Zion National bank to remedy the lien on my property, gave them the original loan number from XXXX XXXX  which is # XXXX. 
I sent my request to Zion Bank on XXXX XXXX. To date, I have not recieved any response either by email or postal mail. I tried calling their customer service and was told that they can not find any record of my paid off loan. They said they checked under the loan number and our social security numbers, but ubavle to find any record. 
I need help to remedy the lien so we can proceed with the sale of our property. 
.Your assistance in getting the remedy will be greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Ph ( XXXX XXXX or ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXCa XXXX emai : 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 2018-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I had a payday loan from an online lender, XXXX XXXX XXXX, which originated XX/XX/XXXX and went into default that same year. They wrote the debt off and it must have been sold to Midwest Recovery Systems who are now re-aging this old debt. Under California law, the statute of limitations is 4 years - this debt is over 6 years old. This  company has been calling me non stop, sent me an email and have reported this debt as new debt with a start date of XX/XX/XXXX with the reporting bureaus, hence my Fico Score has taken a huge hit - they are clearly trying to re age an old uncollectible debt. I would really appreciate your help in getting this resolved. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have contacted Capital One about two accounts that they have been reporting and they continue to report and even try to settle with bills. These accounts are not mine, I never had capital one credit cards. It is obvious what accounts I am aware of because I pay them and Capital One is not one of them. They will not provide applications or security agreements that was completed for me to even try and investigate where they received my information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Cawley & Bergmann, LLP
State: OH

Complaint narrative:
Received a call on XX/XX/XXXX from a representative at Cawlee and Bergmann. Sent a cease and desist and I have received two more calls since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Creditor continues to report incorrect information to credit bureaus. I have made several attempts to have the incorrect information corrected not verified with no result. Credit bureau continues to state that account was verified. Creditor reports the wrong balance, dates on account and state it was part of bankruptcy. The information reported makes it seems like I had at the time a separate mortgage ( double reporting ). This account was not part of a bankruptcy because the account was sold to XXXX XXXX XXXX  in XX/XX/2012 before I had applied for bankruptcy

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 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: WV

Complaint narrative:
In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX   XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX XXXX on my credit bureau and it's negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Westlake Financial Services bought the company that I took my original car loan out with. I know and understand that my payments are late as of right now but I am making strides to get it caught up. My problem, however is that they are harassing me at work via my company telephone line and call me upwards of 15 times per day. I have asked them on the phone in the past to not call me at work, at my employer prohibits me from receiving these kind of calls during work hours. They have continued to call. They even called me today, XX/XX/18 at approximately XXXXXXXX XXXX. They have called my cell phone already fives times today and its only XXXX in the XXXX. I have explained that I am struggling financially right now and even asked if they could temporarily lower the payments for me so that I can try to catch up. They denied my request. They have also denied my request to essentially refinance the loan and extend out my term. I am trying to work with them but I can not continue to receive these calls constantly through out my day. Its harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX  continue to contact my place of work after I asked to stop on several occasions. They have been verbally aggressive over the phone.. 
the phone numbers they call from are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
i received a check back in XXXX that was misplaced in my files from cfpb v Amerisave Mortgage corporation in the amount of XXXX this company was the first company that had my loan back in XXXX. 
when I dialed the number on the check, it has been disconnected and is no longer in service. XXXX when I looked on line and dialed XXXX I was advised by XXXX that my check could no longer be issued.. I am looking to resolve this matter as I am still owed " MY '' money from federal lawsuit in which I was affected as a consumer at the time. 

please advise

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 2018-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX   XXXX on my credit bureau and it's negatively impacting my score.

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 2018-07-25 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: KEYCORP
State: WA

Complaint narrative:
A fraudulent demand draft was authorized without my permission or knowledge and withdrawn from my Key Bank account on XX/XX/XXXX. I noticed and reported this fraud to the bank within the week. On XX/XX/XXXX I filed a police report and supplied this information to the bank. 

To this point, XX/XX/XXXX, I have received no further communication from the bank and the funds have not been returned to me, despite over three weeks having elapsed from the point when I supplied the requested police report. I have tried calling the fraud hotline to get an update on where my case stands but have not been able to outwait the hold time to speak to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TekCollect Inc.
State: MO

Complaint narrative:
TEK-COLLECT INC XXXX XXXX XXXX XXXX DBA XXXX   XX/XX/2018 {$320.00} {$320.00} XXXX XXXX XXXX XXXX, OH XXXX  ( XXXX  ) XXXX this not my account i haven't been to this Dr. in 6years this is a blatant re-attempt to put this back on my report as, it was already removed from my report previously

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