vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRACO INVESTMENT CORP
State: CA

Complaint narrative:
XX/XX/XXXX Traco Investments call me serval times threating me that he is going take my cars and boats any personal property I possession. I was never server from this company at all about any owe money of {$6900.00}. 



XX/XX/XXXX Traco Investments call me serval times threating once again about owe money and said he going to take my cars and boats any bank account I owe any personal property I possession. I still wasn't served with any document of this action against me. 



XX/XX/XXXX Traco Investments serve paper to my employer which was a wage assignment to take 25 % of my earning on my paycheck. It was ducted on XX/XX/XXXX of {$470.00}. I was devastated around this time I was struggling to pay my rent. My employer did comply but fail to give me notice of these actions as well. Traco Investments took me to court on XX/XX/XXXX and won the case to collect on this debt that is total fraud. He not an illegitimate business and this is not real case, and I never had any business relations with company and to note this is not even my debt. Court rules this company in favor of {$75.00} of monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
on XX/XX/2021, i sent PORTFOLIO RECOVERY ASSOCIATES another letter asking for documentation and statements regarding this alleged debt of XXXX that i do not owe.I haven't received or heard anything as of yet.I also attached a copy below for your assistance to help me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC
State: TX

Complaint narrative:
On XX/XX/2021 I received an email from XXXX with XXXX regarding a loan with outstanding balance. I contacted my bank as I had paid off a loan to another company with the name XXXX. They apparently are one in the same. they received payment. I replied to this email asking for a validation of debt as he was quoting a different name/amount that I was originally aware of and paid. 

All the email correspondence is attached along with daily voicemails. He totally ignored my request and now I am being harassed daily by email and or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
I have been in contact with Cardinal Financial since receiving a notice on XX/XX/XXXX that my taxes were delinquent. I have called numerous times, from XX/XX/XXXX through XX/XX/XXXX, with no resolution. I was told numerous things including : we also received the delinquent tax notice, I am showing that your taxes were paid, they are still working on it, I am escalating your request, You should have confirmation in 24-48 hours, and You will hear from a manager within 5 business days. 

None of these statements were accurate nor true. They were meant to get me off the phone as quickly as possible. I have talked to supervisors and left messages for their supervisors to no avail. 

I called the delinquent tax collector for my school and they have not received a request for payment of taxes on my behalf. 

I have the dates and times and the people I talked to if they are required. 

If I wait for Cardinal Financial to resolve this I will have to buy my home back at Sheriff 's sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
Hi, I signed up with Robinhood on XX/XX/XXXX. I signed up for their upgraded Gold account for {$9.00} which gave me a higher margin account. I made an initial deposit of {$4000.00}. Which is all I used on there. My other bank I tried to deposit funds with kept rejecting Robinhood deposits. So they put a hold on my account. Which was unnecessary since I had everything I needed to covered. They then limited trading with stocks such as XXXX and others that I bought. 

They basically said they had to put a hold on my account as I did not enter my legal name on their website. My driver 's license says XXXX. XXXX is my middle name. Middle name was not a required field. I entered XXXX XXXX. Good stall tactic. 

So I told them since they are holding the account, not allowing me to do anything, I just wanted my {$4000.00} back and they could close the account. They will not respond to me. I have tried all avenues to contact them. There emails are coming back now saying something equivalent to the mailbox is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, Nordstrom/TD Bank USA, and XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
-- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : XXXX Subject : Complaint RE : Acct # XXXX Dear Mr. XXXX XXXX XXXX, The year of XXXX has been an horrific year dealing with covid 19 virus, systemic racism, election and economy issues. And just when we think things could not possibly get worse, GM Financial sends us a letter with unfair and dishonest practices. 

Please allow us to explain. 

On XX/XX/XXXX, we entered into a 39th month lease agreement with GM Financial. Term was approved at 12,000 miles a year. On XX/XX/XXXX. all 39 payments were paid and the car was returned to the same dealership in which we purchased it. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX. The mileage was noted at XXXX and we turned in 2 sets of keys. XXXX complimented how great the car looked. 

On XX/XX/XXXX, we received a condition report that reflected charges for XXXX. We did not understand this. As we reviewed the charges, the disposition fee of XXXX is what we understood to pay when the vehicle was turned in, However, in further review, we found that XXXX was for excess wear charge. Then, there is an excess mileage charge noted for XXXX. And lastly, a tax charge for XXXX. 

The XXXX is not a correct charge that included a missing key set. Please contact the dealership - XXXX XXXX will confirm that we turned in 2 key sets. This is a fact. So putting this on the report shows clearly that these charges are made up. 

The XXXX for excess mileage is also incorrect. The lease agreement signed on XX/XX/XXXX states the mileage on the vehicle when we took possession was XXXX and when the vehicle was returned the mileage was XXXX, so we drove the vehicle for 39 months and put XXXX on the vehicle. We did not go over XXXX in 39 month while leasing it. 

Lastly, we know that this is not right or fair. Our family has suffered so much this year, and we can not pay for something we do not owe. We do owe the disposition fee of XXXX as that was explained to us when releasing the vehicle. But that is all we owe. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
I fell behind on my mortgage a few years ago and then the pandemic hit. My mortgage company never offered me any sort of forbearance. I contacted a HUD counselor and she helped me with a loan modification. It took a long time going back-and-forth because every time we would send in what the mortgage company said we needed they would always say we were missing something. This went on for about three months. They finally excepted my modification on XX/XX/XXXX of 2021 and on XXXX XX/XX/2021 they told me my modification had been denied. Im not sure why because in my letter I had told them that I had one full years worth of payments I could pay towards my account. So if they were to take that and then they put me in the forbearance program and put missed payments to the back of my loan I wouldve been OK. When I spoke to them they told me pretty much that I had enough equity in my house that if they were to foreclose on it they would make money. I will admit I have had a lot of financial problems But I really am trying now. I have plenty of money to make my mortgage payment every month and Fay servicing does nothing except for XXXX you around. They are definitely not there to help They just want to foreclose on your home. Ive been in my home for 30 years and I definitely do not want to lose it.You call and half the time you cant get anybody on the phone. 
They told me that they was going to go ahead with the foreclosure unless I came up with {$32000.00}. I told him that there was a moratorium in place until the end of XXXX They told me that my investor does not participate and any programs like that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXX XXXX XXXX {$4000.00} XXXX of fraudulent transactions occur on my EDD account. Called bank of america reported it. They returned my money post their completed investigation citing the credit was now permanent. A month later they debited my account the same amount and closed my claim. For over two months I have been fighting with them tooth and nail to get my money back and rightfully so. They re opened the claim. A month passes ... nothing. Then today I call and am told the claim has been closed and that I am somehow liable for the fraudulent transactions coming out of XXXX. Please help me.. They're robbing me of over {$4000.00} and now I'm being taxed on that money that I never received.

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 2021-02-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex, XXXX XXXX, and XXXX. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
21 mortgage is our loan company my daughter my husband and myself are on the loan. My husband passed in XXXX and I requested a loan modification and I was told they do not do loan modification we were given a loss mitigation for one payment XXXX $ and then loan went back up to XXXX a month I spoke with other lenders to refinance and they told me about the law that requires loan companies to do a loan modification when there is a loss of one party on the loan. I just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX, Barclays Bank, and XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
In XX/XX/XXXX, UAS XXXX changed their online system. Since then none of my payment attempts have processed. On XX/XX/XXXX payment for {$50.00} was made, on XX/XX/XXXX {$64.00} payment made, on XX/XX/XXXX 5 payment attempts of {$110.00} was made, on XX/XX/XXXX payment made of {$110.00}, XX/XX/XXXX payment attempt of {$110.00} was made. I was told in XXXX that my payment attempts for XXXX and XXXX did not process. There was no time for me to try to correct the issue. On XX/XX/XXXX my check for {$200.00} was cashed and payment still has not posted. I was told it was my ACH accounting info was wrong. I called my bank in XXXX and XXXX and informed my ACH info was accurate. UAS XXXX continues to tell me they dont know whats wrong, they dont know where the check went. I emailed a copy of the front and back of the check on XX/XX/XXXX and XX/XX/XXXX. Still doesnt show posted. They do not accept credit card or debit card payments. Only able to pay through ACH payment. The account is showing closed on my XXXX credit report and UAS XXXX stated I needed to dispute it because they see the transaction attempts. I did dispute the error with the XXXX credit Bureau and was informed that the information is accurate and they could not reactivate that account on my credit report. Due to this issue, I dropped XXXX pts on my credit report, showing I have missed and late payments. I am being told the issue is my fault but have proven it is not, I am not getting proper assistance with how to pay them. When asked if I could pay it off in a bank somewhere they said no. They only accept ACH payments. I have spoken with a XXXX, who told me they would remove my ACH payment and we can re enter it, never was done. I spoke with XXXX twice and was told they dont know whats wrong, my bank info is wrong. I am getting nowhere with them and can not resolve this issue that is now effecting my financial life. I have been personally blamed by the people I have spoken with that this issue is my fault. I never had issues with payment until the changed their system. I have deleted and re added my banking information and still didnt work. When calling UAS XXXX, they are experiencing longer than normal wait times, the people who review paper payments are backed up. Appears they are having a bigger issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, Comenity CB/XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Comenity CB/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial, XXXX XXXX XXXXXXXX, and XXXX. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: GA

Complaint narrative:
I wrote Fedloan to request that they remove late payments from my credit report on XX/XX/2019 due to inaccurate payment history and that was reported inaccurate. The company responded to me on XX/XX/2019 which is past 30 days stating my credit adjustment was denied. I also sent a goodwill letter to this company on XX/XX/2019, but they didn't seem to care about their customer report and I was denied again. They didn't work with me or try to get things right, nor did they want to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX XXXX is reporting negative inaccurate information on all three credit bureaus and this negative impact is keeping me from purchasing other credit options. 

All information is regarding account number XXXX Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX & XXXX. 

Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX, XXXX Conns reported to XXXX I was ate for the year XXXX for the months XXXX, XXXX, & XXXX and XXXX for the months XXXX, XXXX, XXXX This is inaccurate information and also I believe my account is mixed up with someone else account. This company by law is required to report accurate information and this is deemed not accurate. Please assist with getting all inaccurate late payments removed from my credit report based on of Conns reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Mercedes Benz Financial, and XXXX XXXX XXXX. The Account Opened is Mercedes Benz Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation