vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
This is my third complaint reporting this, I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for XXXX and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. 
Please remove this account from my credit file. 
I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2019-04-25 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i had XXXX accounts with TD Bank. On XXXX credit report they show as XXXX ( Home equity loan ) XXXX ( Revolving line of credit ) XXXX ( Revolving line of credit ) i have disputed these with XXXX no less than 3 times. Each time the results come back " The information you disputed has been verified as accurate. '' I have tried resolving with with TD Bank to no avail. The account was apparently xferred to another branch and they are unwilling or unable to view much less provide me with statements. 

XXXX was paid in XX/XX/2016, it was not late, and it certainly was not included in any bankruptcy ( who includes a XXXX balance loan in bankruptcy?? ). I have given both TD and XXXX copies of XXXX showing account paid - this is ignored. 

XXXX if the idiots would pull copies of my checking account they would see payments being made each and every month yet they show this as going into 30 day in XX/XX/2016 and into collections in XXXX XXXX look at checking account ending in XXXX! 

XXXX same as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Hi I am in desperate need and would greatly appreciate your help. I called both XXXX as well as Nelnet requesting the original Promissory Note signed for the loans in question and was told that neither servicer had them in their possession. I called the Department of Education and I was told that I was not in their system. I logged onto XXXX and saw that they were reporting all of the student loans as closed. Then logged on a couple of weeks later and the loans were back active. I submitted a dispute to all three credit bureaus stating that they did not have the promissory note and I received a response from Nelnet saying that I had previously signed a forbearance ( hardship ) .Obviously, I signed the hardship forbearance because I could not afford to make the payments. I received a call from XXXX today and I was told that they will send me something in the mail soon ( possibly a promissory note ). I am not saying that I don't owe a student loan, I'm saying that I have no idea which loan is legitimately mine. I am confident that all of the loans that both XXXX and Nelnet say are owed by me are not mine. I have been dealing with illnesses most of my life but deemed XXXX in XX/XX/1998 by Social Security. I've tried working twice but found myself continuing to battle my illness which keeps me unable to work. I'm just asking for fairness and clarity. I was a victim of identity theft with XXXX XXXX, someone was stealing what little money I had. I filed a police report last year. Hopefully, whoever it is will be caught. Meanwhile, I am begging for your assistance. Please help me to secure the original promissory notes for all of the loans that have been assessed to my account. Thank You!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldridge Pite, LLP
State: FL

Complaint narrative:
Aldridge / Pite, LLP is a third party debt collector with absolutely no authority to represent XXXX XXXX XXXX. as Trustee forPlaintiff, in the court file or in the record anywhere and according to FL Stat 2.505 ( e ) ( 2 ),  Appearance of Attorney : an attorney may appear in a proceeding in any of the following ways : ( 1 ) by serving and filing, on behalf of a party, the party 's first pleading or paper in the proceeding. ( 2 ) By substitution of counsel, but only by order of court and with written consent of the client, filed with the court ... Aldridge / Pite, LLP Law Firm are third party debt collectors, trespassers and interlopers and thieves trying to steal my home. They are not registered with the Florida Office of Financial Regulation or the State of  Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Trying to get a copy of my report after finding out my information was in yet ANOTHER data beach ( the 3rd one now ) and every time I've tried to access my Equifax report, I'm told that they " can't verify my identity '' after answering the security questions. This last time on XX/XX/XXXX I was asked about an auto loan and payment on said loan, and a line of credit and payment on said credit, NEITHER OF WHICH I HAVE! Those were the only questions, I don't have either of the accounts they are asking about! This happens EVERY time and only with Equifax! I think their verification process is backwards and THEY should have to verify information with the CONSUMER, and actually make these companies provide legal, legitimate documentation proving the information is correct - which they DON'T! I spoke with a representative and verified my 1. Name 2. Date of birth 3. Social security number 4. Phone number 5. Mailing address 6. Physical address 7. Naming random credit cards issued to me including month and year of issuance on more than one card 8. Payment amount on said accounts verified 9. Most recent employer BEFORE the current employer I now work for - seriously, what more do they want?! Who are these people anyways, and who gave them permission to basically steal MY information - when I never authorized them to have it in the first place, and then tell ME that they can not verify MY OWN identity?! With over a million consumer complaints lodged against them I would think they would be better regulated & held accountable considering!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.

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 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: FL

Complaint narrative:
A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt.

I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.

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 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
There is no option to completely pay off a personal loan online. The instructions state to call and there is a phone number provided. I first contacted the institution on XX/XX/19 to pay off my loan. Due to the loan amount XXXX XXXX balance ) I was told they could only accept XXXX limit over the phone. I was also told I could pay the additional principle but only online. The rep stated after that payment cleared XXXX which would take 3-5 business days XXXX, then I would be able to pay off the remainder of the loan. At that time I submitted the additional principle of XXXX. I received a confirmation number. I checked my bank for pending transactions on XX/XX/19 and did not see the principle amount. I could see another regular payment as pending. I contacted the institution with the confirmation number and was told they did not have any pending payments. I again attempted to pay the principle amount online. I received another confirmation number. On XX/XX/19 I received an email from BVVA stating the principle payment was a failed transaction. I immediately confirmed I had more than enough funds in my banking account to cover the amount. I looked online at my BVVA account and there is another regular payment pending. There is no record of the principle payment. Again, I contacted the company and was told they had no record of the principle payment - even though I again supplied them with the confirmation number. The service reo suggested I mail in the payment, which I refuse to do. There are no freestanding locations to physically take the money to pay off my loan. I believe this company is fraudulently not allowing me to pay off my loan in order to receive more interest monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I checked my credit report on XX/XX/2019 and noticed a collection against me from lockheart XXXX and Montgomery i do not know who this company is i have never signed nor have any agreement with this company

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 2019-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent.

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 2019-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt. 
I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
On XX/XX/19 I sent a letter asking them VALIDATE AND VERIFY this debt that I " owe '' and all I received back is COPIES of some contract from " XXXX XXXX '' with NO SIGNATURE or ANY AGREEMENT whatsoever and something pertaining to APARTMENT XXXX not XXXX my real apartment number.. 

This debt is INVALID and not VERIFIED NOR VERIFIED whatsoever.

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 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I recieved a email stating my loan was approved. I never applied for this loan I called them .they informed me to make a police report I did. they sent information to my email had all my information my old job number as well as my old account that was shut down over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2018 : In the process of selling my home, Bank of America was given request for final mortgage payment. The buyers financial payment was ongoing and in collaboration with Bank of America. After 30 days in processing the payment for selling my home, Bank of America sent negative report stating 30 days delinquent to my credit account. I was not given a 45 day notice stating this would be placed on my credit report. The house was sold and the mortgage paid off but the delinquent notice on my credit report remains. I spoke with a Bank of America representative to explain that the home is in the process of being sold prior to their sending a delinquent report to my credit report. I explained to them that I had never been late after 14 years of owning my home. I explained again that the home was sold and total payment will be sent via closing company. I was under the understanding that all was Well with this process due to the fact that final payment is being processed and did occur. After I reviewed my credit report, it was shown that Bank of America is not a company to trust and the loyal customer is not valued by the Bank.

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 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a XXXX XXXX Visa Card by Citi.

I overpaid my account and had a credit on that account that rolled over to the next month.

Citi did not apply that credit to offset my new charges. Rather than subtracting the credit from my charges, they actually ADDED it to those charges, and the total appeared on my statement as " purchases. '' The amount of my " purchases '' was therefore greater than the total of the items I had actually purchased by the amount of the credit. 

When I spoke to a representative about this, she eventually admitted that yes they did add that carryover credit to my debits, but said then that they deducted the credit from the total. So then we were back to the actual value of my purchases. That would be ok, except that she claimed that the carryover credit had been applied to my balance. 

Finally she agreed to mail me the credit, but it is clear that if I had not demanded that, Citi was not going to give me back the credit, but they were going to give me the impression that they had applied it to my account.

File " citi XXXX '' shows total purchases of {$170.00}. 
File " citi XXXX  '' shows that purchases of {$170.00} was added to the credit of {$160.00} to create the new " purchases '' figure on a different page of {$340.00}. Then the {$160.00} credit was applied to that total to bring the " new balance '' down to {$170.00}.

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 2019-04-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2019 a withdrawal of {$130.00} and on XX/XX/2019 2 withdrawals of {$130.00} each were on my bank statement and taken from my account by XXXX. I have never heard of this company and have no account with them. I'm not sure how they got my info and who authorized them to tamper with my funds. I bank in Missouri and this is some company based out of New York. I contacted my bank to report fraud and also contacted this company in which they were very reluctant to help me or give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
I am writing this due to non-compliance with the CRA XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Company Name : MID MICH CB XXXX XXXX XXXX XXXX MI XXXX Dates : XX/XX/2019, XX/XX/2019, and XX/XX/2019. I sent dispute letters out and the letters were unclaimed and returned to me. 

The address that is listed on my credit report is the same address I used in my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This account is still showing a balance of {$150.00} as I agreed to pay {$220.00} to resolve my account. This account should be closed as I paid it off a year ago.ytis is my second or third time contacting you since I paid this please update my credit report or I will file a suit against you for harrasment

Company response to consumer: Closed with explanation