vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SG and Associates
State: FL

Complaint narrative:
started receiving calls approximately a week ago from a company Called the Stafford Group located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX STAFFORD GROUP AND ASSOC 1940 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.

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 2022-02-14 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: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: NY

Complaint narrative:
Around XXXX XXXX, my credit score drop dramatically for no reason. Attached, you'll find images that show there was no reason for my credit score to drop.

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 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I took out a loan on XX/XX/XXXX for the amount of $ XXXX on a RV we needed, at a rate of 6.75 %. Today, XX/XX/XXXX, we still owe $ XXXX, after making monthly payments of {$360.00}. Looking back at the monthly payments, it was sporadically designed at $ XXXX {$130.00} to the principle and over {$220.00} as interest payments. There is no online option to better selected the principle down as opposed to the interest. After 3 years of timely payments, at still owning roughly the same amount of the original loan is disturbing.

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 2022-02-14 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX not mine CONVERGENT OUTSOURCING , INC .

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was attempting to lift the credit freeze on my account. I could not do it online with my prior pin. I could not get a new pin submitted to me through the automated system, and I could not speak to a person. I could sign up for their credit services which would provide me with 'enhanced ' access.

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 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
For the past XXXX  years I have been getting call throughout the day from a XXXX XXXX XXXX debt collection firm. We do not have any debts whatsoever and feel this has gone past the level of harassment allowed by law. I wish to take legal action and file a suit against this firm for harassment and engaging in abusive, deceptive, or unfair behavior as we have told them time after time ( at the beginning of the calls ) we are not who they are calling about but continue to get calls all the way up to XXXX pm at times. Please let me know who I need to contact to seek legal action and seek damages. Thanks you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Self Financial Inc.
State: VA

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My main complaint about PNC is that their system has a closing date for my recent Home Equity Line of Credit Loan as XX/XX/2021. They set my first payment due on XX/XX/2021, even though I've never had a loan due the month after closing. They are saying that only first mortgages require this waiting period. Is that true? 

The closing document has " XXXX XXXX Date : XXXX '' but no month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
i was told i was getting paperwork to fill out and never received the documents. this is not my debt and i never lived at the property in question. i was a victim of identity theft, some unknown person rented an apartment without me knowing. and without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I am a victim of identity theft. I received notice from a creditor that someone had attempted to open an account in my name and they blocked it due to suspected fraud. I checked my credit report and found an additional inquiry from XXXX  CBNA which was not authorized by me. I did not request credit with XXXX  nor have I ever. I have never done any business with XXXX/Citibank and have never planned to. This inquiry lowered my credit score and is having a negative effect on my financials. I contacted the credit bureau directly and was told to contact XXXX/CBNA to get the inquiry 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 explanation
Consumer complaint received 2022-02-14 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when COVID hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted Barclays in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.

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 2022-02-14 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: NY

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/2022 I received a final notice from the XXXX XXXX XXXX regarding one of two parcels encumbered by my mortgage. My property taxes are escrowed and to be paid by my servicer, PHH. I called PHH and was instructed to email " XXXX '' with my loan number and relevant information- I did and did not receive a response. On Monday XX/XX/2022 at XXXX PM CST I sent a picture of the final notice to the above email and to " XXXX '' per PHH instructions with a request for update and timeline for payment - I did not receive a response. After calling PHH again at XXXX PM CST, I was instructed to resend the email to the escalation support email with the subject " Loan Number : XXXXXXXX ; Attention : XXXX ; Agent ID XXXX '' - I did. The agent on the phone, XXXX confirmed receipt and said he would get back to me with an update. I did not hear back from XXXX. 

On Wednesday XX/XX/2022 I sent a follow up email to escalation support asking for an update. I did not receive a response. At this point, the notice of the the delinquent amount and my name had already been run in a local newspaper and if the amount was not paid by XX/XX/2022 the property would go to a tax sale. 

After several more calls I was always told the tax department was working on it and they didn't have an update or estimated timeline for resolution. This was of course highly concerning giving the urgency of the matter. I did finally receive a call back on XX/XX/2022 - but to my dismay, the update was that they did not have an update or timeline for resolution. 

Fearing that nothing was being done and that no resolution was in sight, I paid the property taxes out of pocket on XX/XX/2022. I sent PHH a receipt for the payment, requested reimbursement and expressed my dissatisfaction with the entire process and lodged a formal complaint ( via email ) with a XXXX business day timeline for response. I have not received any form of response. PHH has not acknowledged my complaint, or attempted any resolution on this matter. 

PHH has shown a total disregard for my issue. I'm clearly just another file to them, but if this is how they treat their customers, something needs to be done. To be clear, I did not seek out PHH for a loan, my original lender sold the loan which was then sold again to PHH. If I had any say in the matter, I would never conduct business with PHH

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 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
on XX/XX/2022 in my mail box on XXXX PM XXXX XXXX retrieved a letter purporting to be from " XXXX / XXXX Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : Midland Funding LLC '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, Few months ago someone opened an account using my personal information which I did not see until a few days later when I received an email alert from my bank that I got a new account opened and had new inquiry. Then I quickly responded to that by putting a criminal watch on my credit on all the XXXX credit bureaus then I quickly opened a case with each credit card company to close the account because it was fraudulent and I never opened it. Later after XXXX days I got a mail saying I am responsible for the credit card opened and everything I have to pay for. I am not responsible for anything on these credit cards because I have never opened an account there neither do I even have purchase history of me buying anything at those stores. After looking further the items were bought from stores that are super far away from my house when I have around like XXXX branches around my own house. It is unfair for these companies to just do a small investigation and just make a decision depending on that. I will be opening a police report in the next few days and probably will hire a lawyer to get this situation sorted ASAP. There are no evidence or claims that these accounts are owned by me so I don't know how they considered that they are my responsibility. 

thank you

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 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
started receiving calls approximately a week ago from a company Called the XXXX XXXX located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
this account show 30 days late which is wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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