vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery repeatedlXXXX XXXX me for debt that is over XXXX XXXX XXXX and is not longer even showing on my credit report. XXXX time I answered asked them to stop calling and that stopped it for about a week then the call continued today. 
XXXX phone calls in just the last month from many many different numbers Called today XX/XX/year> the call dates for the last month are as follows XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Please get them to stop calling and XXXX  me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
The credit reporting agencies XXXX, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I further discovered that the GM Financial inquiry is related to a corporate business account not a personal consumer account and which was not unauthorized by my personal authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
A false statement of fact renders a contract invalid. PENNSYLVANIA LAW requires property over {$500.00} to have a written contract. The current contract is for a " XXXX '', I actually have a " XXXX XXXX ".

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was securing a refinance loan on my property when to my shock I was denied because I had XXXX unknown judgment liens on the title Report of my Property. 

Wells Fargo Bank XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX. {$7900.00} I was never served with court papers or given any notification to dispute these debts nor have an opportunity in court. My place of residence since XXXX has been in the state of Hawaii.

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 2024-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Receiving emails with info from an old loan from XXXX XXXXXXXX where the senders are demanding I pay them and have threatened to warrest me if I do not. The amounts are wrong and the email address for a so-called attorney look to be fraudulent and are thru XXXX and not a reputable law firm email address anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
When reviewing my credit report, I have inquiries that I do not recognize and even XXXX of them was closed by the bank itself but the inquiries are still there affecting my credit report : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - Transunion XXXX. XXXX XX/XX/XXXX - Transunion XXXX XXXX XXXX  was notified by phone and the account was closed. 
XXXX was also closed and XXXX XXXX was notified that the credit card issued in XXXX is not with me.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/2024 Dear Global Lending Services, I am writing to formally dispute the account appearing under my name with your institution. Pursuant to the XXXXBliley Act ( GLBA ) and XXXX XXXX XXXX, I am asserting my rights regarding the improper handling and dissemination of my private financial information. Specifically, I demand the immediate removal of this account from all records and credit reporting. 

Under XXXX USC XXXX, financial institutions are required to respect the privacy of their customers and adhere to strict guidelines regarding the sharing of nonpublic personal information. As per the provisions of the XXXX, I have not provided consent for the dissemination or sharing of my financial information associated with this disputed account. Therefore, any unauthorized reporting or communication of this information to XXXX XXXX, including credit reporting agencies, is a violation of my privacy rights. 

I request that you : XXXX. Remove this account immediately from all internal and external databases, including but not limited to credit reporting agencies. 
XXXX. Cease all dissemination of any nonpublic personal information related to this account in compliance with the XXXX and XXXX USC XXXX. 

Please provide written confirmation within XXXX days that the disputed account has been removed and that my personal information has been protected as required by law. Failure to comply with these legal obligations may result in further action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXX, XXXX a debt collector from XXXX. I had a payment due in XX/XX/2024 in the amount of {$1500.00}. I did not have sufficient fund to cover the amount. I called XXXX XXXX on XX/XX/XXXX to inform him that the payment can be processed that the fund was available. XXXX XXXX informed me since the fund was not available on XX/XX/XXXX the agreement was cancelled. I explained to him that the monthly payment was too high that I would to have a lower payment plan. I explained to him that I already make a payment of {$3500.00} towards the account and he said those payments are void that I will star all over with repayment. I explained to him his conduct was in violation of the fair credit act and he threatened to sue me and have my wages garnish. I asking the agency 's help in this matter as I feel my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I wrote a check the XXXX XXXX XXXX XXXX for {$970.00} for account number XXXX ( citizens Bank ) XXXX and dropped it off to a mailbox near my house on XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I saw on XX/XX/year> that the same check was altered to be made to somebody I do not know. the amount was changed to {$10000.00} and the account number was changed by a couple digits. XXXX XXXX XXXX  said they never received the check. I filed a police report and filed a fraud claim with Citizens bank on XXXX. They told me that I would get my money in by XX/XX/year> and later they told me it would take XXXX weeks. It has been more than XXXX weeks, I do not have my money and the only action they took was to contact the bank that cashed the check and ask them to pay me back. The local Citizens bank brach staff told me that they were aware that someone held the post office staff at gunpoint, stole the mailbox key and now this was happening with other people too. So they are aware that this is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
XX/XX/XXXX CIG Financial, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Attention XXXX XXXX XXXX, XXXX Subject : Dispute of Wage Garnishment by XXXX XXXX XXXX and Inaccurate Information Reporting Dear CIG Financial, XXXX, I am writing to formally dispute the recent wage garnishment actions taken against me by XXXX XXXX XXXX, purportedly on behalf of CIG Financial XXXX XXXX. Upon contacting the attorney 's office, I was informed that my information was not in their system, indicating a potential error or fraudulent activity. I've never done business with XXXX XXXX XXXX XXXX ever in my life. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. This garnishment action appears to be based on inaccurate or unverifiable information, and as such, I am invoking my rights under the FCRA to dispute this garnishment. 

Details of the Dispute : Garnishing Attorney 's Name : XXXX XXXX XXXX XXXX of Garnishment Notice : XX/XX/XXXX Amount Garnished : Unknown Reasons for Dispute : Inaccuracy : The attorney hired by CIG Financial , LLC has no record of my information in their system, indicating that the garnishment may have been issued in error. 
Unverifiable Information : The garnishment is based on information that can not be verified by the attorney 's office, raising serious concerns about the legitimacy of this action. 
Supporting Documentation : To support my dispute, I have enclosed the following : Copies of all my Identity Theft Police Report 's dating back to XXXX showing that my identity has been compromised multiple times. 
A copy of the wage garnishment notice. 
A record of my communication with XXXX XXXX XXXX 's office, indicating that my information is not in their system. 
A copy of my credit report, highlighting any related entries. 
Action Requested : I request that CIG Financial, LLC immediately cease the wage garnishment and conduct a thorough investigation into this matter. Additionally, I request the following : Correction of Records : Update all records to reflect the inaccuracy of this garnishment and remove any related negative entries from my credit report.

Verification of Information : Provide me with a written explanation detailing the verification process of the information that led to the garnishment action. 
Notification to Credit Bureaus : Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) to correct any inaccurate or unverifiable information resulting from this garnishment action. 
If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LoanCare, LLC
State: AZ

Complaint narrative:
As per the terms and conditions of the mortgage I am required to be a resident of the property for one year and I moved out a month before that year was up. It is also stated that I must reside at the property because I am the Veteran and the principal owner on the loan. I have requested repeatedly that my ex spouse refinance because they are my benefits earned prior to our marriage. The mortgage company refuses to enforce this clause of our contract and I want this loan out of my name and off of my credit report.

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
Since XX/XX/year>, I have been utilizing your credit card services after arriving in the United States in XX/XX/year>. However, due to an unfortunate misunderstanding, my account was closed abruptly, stemming from a mistake on my part when signing the XXXX XXXX for XXXX XXXX XXXX XXXX form. I wholeheartedly acknowledge this error and sincerely regret any inconvenience it may have caused. 
The cessation of my credit card services has significantly impacted my financial transactions, hindering my ability to manage day-to-day expenses effectively. Despite repeated attempts to reapply for a new credit card, I have encountered obstacles as your system has not permitted me to proceed. 
As a postdoctoral researcher affiliated with the University XXXX XXXX XXXX, I am able to provide documented proof of my tax treaty status, which exempts me from certain tax obligations. I have enclosed all relevant tax treaty papers from my university for your reference and verification. 
I am reaching out to respectfully request your consideration in reinstating my credit card account, thereby granting me the opportunity to continue utilizing your esteemed banking services. I assure you that I have maintained a commendable credit history with your bank, and there are no outstanding balances associated with my previous account. 
Should you require any further clarification or documentation, please do not hesitate to contact me at the provided phone number or address. I am readily available to address any queries or concerns you may have regarding my request. 
I sincerely hope for your understanding and cooperation in this matter. Your favorable response granting permission to open a new credit card account would be greatly appreciated and would alleviate the financial challenges I am currently facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received a call asking me to pay a couple XXXX dollars for cleaning services about 2-3 months after I moved out of an apartment. I called the apartment to verify this as we had cleared all fees and there was no cleaning fee. I told the debt collection company this and asked to provide proof but I never heard back. Hence, I assumed it was a scam. 

Then, I start receiving calls about 5-6 months later mentioning I owe back rent for the same apartment in the balance of {$290.00}. I thought it was a scam because I left the property early and paid them 2 months extra rent due to my contract. Everything was settled and there is proof of this if we go ask the apartments. I asked this debt collector to send an official letter at home with proof of the debt they mentioned.

I never received the proof, but then I saw two days ago my credit dropped from XXXX to XXXX. 
I was devasted and my wife 's credit score dropped even lower.

The name of the company that I have been reported by is Columbia Debt Recovery.

I have no issue paying this debt if it was legitimate but I honestly thought it was a scam and still do. The apartment never contacted me about this and the debt collector never sent proof. 

The fact they asked for different amounts and different things each time led me to believe they were definitely scammers. 

Just to summarize, I was reported by Columbia Debt Recovery on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing XXXX XXXX to my name and good character as well as my overall credit capacity

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXk XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing XXXX XXXX  to my name and good character as well as my overall credit capacity

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 2024-08-06 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This company, Synchrony, calls me repeatedly -- up to three times a day from the number XXXX. They have called me XXXX times just since XX/XX/XXXX of this year. Time of call has varied from XXXXXXXX XXXX.to XXXXXXXX XXXX 

They never leave a message, and they never try to reach me by U.S. mail or email. I have blocked the number on my cellphone, but I still get notifications of calls from them. 

At least twice I have called the number back and have been told that the call is an attempt to collect a debt and that the call will be recorded. Then when a real person came on the line, he or she told me the same thing. I responded, " That's OK ; I'm recording it, too. '' They then asked for my full name, which I refused to provide. When I asked whom they were trying to reach, they would not tell me. I informed them that I do NOT have an account with them and that they should remove my phone number from their list. Each time I have called, I have been assured that my number would be removed from the list. The most recent time this happened was yesterday afternoon ( XX/XX/XXXX ) at XXXXXXXX XXXX. They have called three times since then.

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