vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because I cant even take out no credit card due to having bad credit because of them. Capital one is one of them I have never gotten no credit card with them and they claim I owe them when I dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I had returned a phone to this company in exchange for a different phone. They never credited {$500.00} for the phone I returned to their store. I disputed this with them several times to no response. This was the reason I decided to not use the phone service,

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 2021-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company
State: ID

Complaint narrative:
We were in the process of getting a house XXXX XXXX XXXX XXXX XXXX ID XXXX. We were a week away closing on what was suppose to be our house end of XX/XX/2021. XXXX XXXX at Evergreen home loan then called me to inform me that they made an error and put more income than they should which they knew that it should just be my husbands VA XXXX and not the GI money. He then asked me to get a cosigner which my parents tried and it didn't work out. This caused my husband I many issues. We lost money on a house we couldn't get because of him. I have tried emailing and texting and no response since my husband attempted suicide because how depressed I got from loosing a home and we sent our boys to my moms to pack for a month. We want our money for the inspection and escrow that we had to fight for which he did not care to help. Evergreen home loan Address : XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX I requested Validation not verification pursuant to the fair debt collection practices act, 15 USC 1692g from World Omni Financial Corp dba South east Toyota finance after they attempted to collect a alleged debt sending me a postcard in the mail. I sent a Cease and Desist and invoked my specified remedy as a consumer and the original creditor. I demanded they complete the form sent along with copies of all requested information, assignments and transfer agreements. I told them there claim can not and WILL NOT be considered if any portion of the form was not completed and copies returned. This was notarized and sent certified mail. 
XXXX XXXX I received a response from World Omni Financial Corp stating they have processed my request to cease communications related to my account. They did not return any requested documents or completed forms. They claimed they are not required to do so. 
XXXX XXXX World Omni financial stole my property along with my personal belongings. They unlawfully repossessed my vehicle from my mothers home and disabled my property after processing my cease and desist letter. 
XXXX XXXX I spoke to supervisor XXXX XXXX for the return of my property and she stated they processed my cease and desist. 15 USC 1692c ( c ) ( 2 ) In my cease and desisted i invoked my specified remedy demanding the title of the vehicle lean free and deletion from all consumer reports. I asked Mrs. XXXX why are they breaking federal law by not honoring my cease and desist, she stated they are not breaking federal law. She said they reposed the vehicle and i dont have any rights to get my property back. 
This company and its employees have conspired against my rights as a consumer 18 USC 241 and violated FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The loan was paid off in XX/XX/2021. I am in the process of approval for a mortgage and Ally submitted a " 30-day Late '' to the bureaus in XX/XX/2021 that the XX/XX/2021 payment was received late. As a result my scores decreased by more than 50 points and I am in danger of the loan not going through. 

I have contacted Ally MULTIPLE times and each agent has verified that my XX/XX/2021 payment was NOT more than 30 days late. It was verified today that my normal due date was the XXXX of each month and my XX/XX/2021 payment was received and processed on XX/XX/2021.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In monitoring my credit, I noticed that Synchrony/XXXX  closed my credit account as of XX/XX/2021 after 5 years and 7 months and a 100 % clean payment history. I called XXXX and spoke with XXXX and XXXX ( managers ) in the XXXX office and both told me that the account was closed due to inactivity and there was nothing I could do and that I would have to reapply. I mentioned to both that I was never notified of their intent to close, which they said they are not required to. I asked them to please reopen the account, because this is negatively impacting my ability to refinance my home, which was about to enter escrow. Both just said they were sorry.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent in a reinvestigation to the credit bureaus they had 15days to respond and I haven't heard anything. I would like it 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 2021-09-09 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I had to call XXXX TO GET SOME 'XXXX  " OFF MY REPORT I WAS PUT INTO COLLECTIONS VIA NCA . NATIONAL COLLECTIONS AGENCY XXXX XXXX  AND NCA AR SCAM FRAUD ORGANIZATIONS- OUTFITTED, I THINK MAINLY, TO GARNER PEROSNAL INFORMATION ANY FOOL GROUP OF CON XXXX CAN PUT YOU INTO THIS FIX. IT IS A SCAM. XXXX XXXX ( WHOEVER THAT IS ) SAYS IT GAVE YOU A LOAN, AND NCA, SITS BACK AND SAYS YOU MUST PAY IT. THEY WORK TOGETHER TO SCAM INFOMATION. I DONT THINK THEY ARE EVEN SERIOUS ABOUT THE MONEY. OR XXXX USES THEM TO GET YOU TO CALL IN AND GIVE YOUR INFO. 

I AM AN OLDER PRIVATE INDIVIDUAL. I ONLY RAISE MY HEAD ONCE AND A WHILE TO REFI MY MORTGAGE. I GOT SMUDGED HERE FOR NO REASON. 


I DID spent a half hour on the phone with XXXX XXXX, ( XXXX ). what a horrible experience Some poor XXXX speaking person named XXXX from XXXX answered. It sounded like I was talking into a great echo chamber. 
SHE said, they will get to a resolution on this issue with NCA, LOAN? OR WHAT EVER IT IS? " OUTSTANDING '' OR, least tell me who NCA is? ( The clowns that said I took a loan out from them???? AND OUTRIGHT LIE ) *****IT WILL BE A MONTH BEFORE I KNOW WHAT THE GIST OF THE STORY IS? THEY WILL MAIL ME THE RESULTS VIA USPS.

National Credit Adjusters Complaints This business currently has nearly XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly XXXX with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. 

ADD MY COMPLAINT TO IT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Services, Inc.
State: IN

Complaint narrative:
Atlas collection agency XXXX, IN. called me 3 times at XXXX XXXX XXXX XXXX, and again at XXXX XXXX. I answered the final call advising them they are calling too many times during the work day and infringing on my rights, was told they can " call me every hour on the hour legally. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because XXXX cant even take out no credit card due to having bad credit because of them. XXXX XXXX is one of them I have never gotten no credit card with them and they claim I owe them when I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
I have received multiple text messages attempting to collect a debt. I am not aware of owing any debt to anyone that would be sent to a collection department. 
XX/XX/2021 : " We have a notice from State Collection Service, a debt collector. Please call XXXX or visit our website at XXXX XXXX XXXX Reply YES for info or STOP to end. '' XX/XX/2021 : " Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply YES for info or STOP to end '' I did not receive any other information- not who I owe a debt to or how much. I have not clicked on any of their links or called out of fear of getting a phishing virus on my device. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Are used to really enjoy using my Apple card because of how convenient it was however Ive come to the realization that my Apple Card and Goldman Sachs does not give a XXXX about me at all. Because every single time there is some kind of fraudulent transaction or if I have issue with a purchase made Goldman Sachs and Apple are no help whatsoever, they never rectify the issue and always leave me responsible for the charge even though it is either fraudulent or I never received the item. No other credit card company does that to me except for the Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Was a victim of a job scam. I posted {$1200.00} I informed my bank of it but got rejected for receiving my money back and my account was closed for no reason. It officially closed on XX/XX/2021 but they blocked me from opening any other bank account with other banks. I shouldn't access my bank for over a month and went constantly to get the rest of my money out of the bank. Couldn't get any of my records because they shut down my account. 

I have a police report, fake check, fake job employment letter, and text messages. with all this information my bank still denied it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Received letter from " XXXX XXXX XXXX '' of threatening they would access XXXX, XXXX for {$510.00} payment of a " Check N ' Go '' bill where i was told there was no account this caused me to think i had the wrong business. Followed up with " Check N ' Go '' to resolve issue. Called corporate given another 800 # a total 11 different contact numbers, on XXXX to XXXX kept getting transferred to 800 # 's all were refusing to resolve payment for {$310.00} where i was told there was no account. The Company Letter head is " XXXX XXXX XXXX '' XXXX but voicemail said " Competitive Contact Solutions ''. No payment was submitted to them because they used two different names and threatened SSI & SSDI. Called back the next day there voice mail said " XXXX XXXX XXXX ''. Want to resolve the bill but I don't want to send money to a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2021 I opened up a new line of credit through Synchrony Bank through the XXXX website. Purchase was for XXXX. 

A few days after a hold was placed on the activity. I called to try to resolve, they couldn't help until I received my physical card from them. 

On XX/XX/2021 I received the physical card. One I was able to speak with the bank they informed me they put a hold on the transaction due to a discrepancy. They stated that I had two purchases on my account of XXXX and XXXX. I told them the XXXX was mine and I claimed that transaction. The XXXX was not mine and was a fraudulent charge. 

They then proceeded to close my account, cancel my card and reissue me a new account and card. However the report through the Fraud Agency stated that I had requested the XXXX transaction as " fraud '' and did not mention anything about the XXXX transaction. For whatever reason the bank no longer saw the " XXXX '' transaction within my records. 

This was a misleading event. My bank told me about two purchases, I said one was fraudulent, they deleted for whatever reason from their records the fraudulent claim and then said I said the XXXX transaction was fraudulent, which it was not. I cancelled the fraud investigation, but now I have wasted a week for a purchase I was willing to make and pay off. 

This is blatant incompetence and potentially damaging to my credit which I did not deserve to receive. I completed all the appropriate actions to ensure a smooth transition but the company was nowhere able to support the needs and mislead me on what had occured and how it was recorded.

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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc.
State: NY

Complaint narrative:
I was a victim of identity theft crimes. The criminal ( s ) used my identity to apply for many credit cards, used them and left without paying. I filed for a police report and explained my situation to all the banks and collectors. I called and talked with some collectors, emailed them the police reports. Still, some collectors chased me asking me to pay, even if they knew I was a victim and they got the police report. 

One of this collector is called Debtsy. Here 's the contact : XXXX at XXXX | XXXX  XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX How did they get my email address? When I called and talked to someone at Debtsy, I offered to email them the police report. They got my email and police report. Instead of believing what I said, they continued writing to me, asking me to pay. These banks issued credit cards without adequately checking the identity of the applicants. They approved the applications without even seeing the applicants. 
Here 's what I received from XXXX, " I work with Debtsy, the company hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but is currently owned by XXXX XXXX XXXX, XXXX. We're contacting you about your overdue balance of {$720.00} for the account ending in XXXX. '' By the way, I have already called XXXX XXXX many months ago and also contacted XXXX XXXX XXXX about this debt being the result of a fraudulent act, not my own doing. Still they sent it to the collector. It is frustrating and it's so hard to get rid of these people. 

By the way, they also added it to my credit score. I was victimized not once but more than twice, first by the identity thieves, second by the banks and the collectors!

I would like to see the identity thieves, the banks and their hired collectors receiving due punishment for they have wrongly done. I'd like to see justice is done and the innocents are protected in the end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Several consumer laws and regulations were violated in the finance process of the purchase of my vehicle. I have detailed and highlighted all of this in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I leased a car from XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX to my surprise it showed a lower score than what I recently received from my bank. I was told the car was going to be financed by XXXX XXXX  which was not so. I gave XXXX XXXX permission to run my credit through XXXX XXXX once however, the dealership placed two hard inquiries on TransUnion and XXXX without any information under XXXX XXXX. 

Furthermore, the score their system came back with was lower than what I recently obtained from XXXX and that resulted in me paying a higher rate than what the car lease payment should have been. I called the dealership and left two voicemail messages for the finance department to get an explanation why two inquiries were placed on my credit report no one returned my call.

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