vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: Capital Link Management, LLC
State: WI

Complaint narrative:
Ive received several text messages about a debt That is not mine!. I called and spoke to XXXX and i spoke to a rude man informing them to stop sending me texts and calling me about a debt that IS NOT MINE! IM NOT MARRIED THEY CONSTANTLY CALL AND TEXT ME.TO THE POINT OF HARRASSMENT. IVE ASKED THEM TO REMOVE MY NUMBER.BUT THEY CONTINUE TO HARRASS AND ARE EXTREMELY RUDE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was lied to on three different occasions. The first time a fake supervisor told me I'd receive my replacement debit card no later than Wednesday Nothing came. then spoke to a girl who promised me I would get my card on Monday. No card came in the mail. Next I called in and spoke with a real supervisor who informed me the card HAD NOT EVEN BEEN MAILED OUT!. Claims they can't overnight it because of XXXX which is a bunch of bull. I get overnighted prescriptions, and merchandise without a problem. THIS HAS COST ME ONLINE ACCOUNTS THAT HAVE CANCELED ME! They just tell you lies that they think you want to hear. Today I talked to a woman and it's going to be another 5 days! I am XXXX, XXXX and without transportation. I depend on having this card and not misinformation. HASN'T EVEN BEEN MAILED OUT YET! Unbelievable! I CAN'T WAIT TO LEAVE TD BANK!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence for any third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows

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 2022-01-12 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:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX-I attempted to sale my vehicle. Its XXXX XXXX  XXXX. I was informed at that time that my title was reading within mechanical limits which depreciates the value over $ XXXX. The dealership refused the purchase it at a fair market price. I then attempted to resolve this issue with the DMV, Tag & Title office located in XXXX GA, XXXX XXXX. The supervisor informed me that the clerk input my information in the computer incorrectly due to a computer system upgrade & that this matter couldnt be resolved without the original title. She asked me to contact my lein holder which is USAA. I contacted USAA and they stated that they received an electronic title, not the original. USAA attempted to retrieve the original title 3 times since XX/XX/XXXX and never received it. Ive contacted both the DMV/Tag & Title Office manager several times about this matter and they have told me that they do not have the original title to make the corrections so I can sale the vehicle at a fair market price. I then contacted XXXX in XXXX Ga where I originally purchased the vehicle for a copy of my agreement, since I feel like they have violated my consumer rights as well by not disclosing all pertinent information related to the vehicle upon purchasing. The items of speaking of include the incorrect odometer reading & auction purchase. It has been six months that myself and my lien holder has tried to resolve this matter with no help. This failure on the Tag, Title & DMV office in XXXX GA, XXXX XXXX and the XXXX Dealership in XXXX GA has costed me over {$900.00} a month in fees. Their lack of compassion and blatant disregard for my rights has caused hardship on me and my family. As an Active Duty Military Member for the past 17 years I have never been treated so unfairly or violated. Please investigate and help me resolve this issue immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
To Whom it may concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX xxxxxxxx XXXX with a balance of {$2100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I recieved car loan for a XXXX XXXX XXXX XXXX in XX/XX/XXXX from Credit acceptance corp. I paid my bill on time every month for 7 months. The transmission in the car failed in XX/XX/XXXX. I contacted Credit acceptance to see what my options were as i could not afford the repairs and i did not want my credit score to be affected. They stated it was nothing they could do as far as paying for repairs. I asked about the process for turning the car back in to them. Credit acceptance rep stated that they would come pick the car up, it would then be sold for what they could get for it, Whatever they sold it for would be subtracted from the balance i owe which at the time was about ( balance in XX/XX/XXXX {$4500.00} ) they would send me a letter with new balance once car is sold. I never recieved a letter with the new balance. They are still reporting as if account is open til this day. They are reporting an inaccurate balance of XXXX which is more than the initial loan amount. They are reporting late payments and voluntary surrenders every month. Every time i dispute they get worst. I asked for proof of what they are reporting, and no one can furnish the proof. I asked all three bureaus XXXX, XXXX, and XXXX to verify and send me proof. But yet and still no one can show any evidence of this but its still reporting negatively on my consumer report and public records. Ive requested this to be removed for inaccuracies numerous times and yet its still reporting. This is Fraud and it is causing great stress and hardship in my life, Due to their bad business practices.

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 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.

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 2022-01-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.

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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2022-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experians customer service department did not help remove the negative inquiries that are reporting on 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 non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Sent Tender of Payment along with Notice of FIDUCIARY OBLIGATIONS ( Attached ) endorsed by the beneficiary.

UCC 3-603 Tender of Payment : 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

Instrument was not returnedthereforedischarge has occurred.

Shellpoint Mortgage entered into a Trust relationship by accepting the instrument. They have not performed. This could be misfeasance and/or malfeasance of office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase Freedom Flex credit card. Chase advertised on the application page and benefits guide that the card has Cell Phone Protection, which is an insurance that covers " up to {$800.00} per claim and {$1000.00} per year in cell phone protection against covered theft or damage. '' Recently, my phone was damaged, and I had it repaired for {$290.00}, knowing that it is covered by the insurance as I checked the benefit guide online in advance. However, when I tried to file a claim, I was told that the cell phone protection benefit had been discontinued. I contacted Chase, but after several rounds of phone calls with the Customer Services and Benefit Administrator, the issue could not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I previously reported an identity theft in XX/XX/2021 disputing the account put on my credit by XXXX XXXX the original creditor is XXXX. I want to file a complaint against both companies due to the fact that I have previously told them that this is a result of identity theft but also the fact that XXXX continues to sell this debt to debt collectors. As a result, my credit report has been severely impact it because this is the only negative item on my credit report. I have also filed a report with the FTC stating that this is a violation due to the fact that these bills were not caused by me. I checked my credit report in XX/XX/2021 and saw that this debt had been added to my 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 non-monetary relief
Consumer complaint received 2022-01-11 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: Radius Global Solutions LLC
State: AL

Complaint narrative:
I previously reported an identity theft in XX/XX/2021 disputing the account put on my credit by Radius Global the original creditor is XXXX. I want to file a complaint against both companies due to the fact that I have previously told them that this is a result of identity theft but also the fact that XXXX continues to sell this debt to debt collectors. As a result, my credit report has been severely impact it because this is the only negative item on my credit report. I have also filed a report with the FTC stating that this is a violation due to the fact that these bills were not caused by me. I checked my credit report in XX/XX/2021 and saw that this debt had been added to my 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 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I sent The Pentagon Credit Union an Notarized Affidavit Of Truth stating multiple violations via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm demanding a response and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth.

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 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following errors. 

XXXX. XXXX XXXX XXXX Account # XXXX THIS ACCOUNT IS REPORTED INACCURATELY! THE WHOLE ACCOUNT NUMBER IS MISSING AND ACCOUNT CONDITION " INDETERMINATE '' CLEARLY STATING ITS BEEN TRANSFERRED TO ANOTHER LENDER THESE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILE.

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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.

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 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account says charge off and that is not correct please investigate or delete file XXXX XXXX

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 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: NV

Complaint narrative:
I requested and was approved for a loan with SoFi. The terms of the loan required that I also open a checking account and MUST have direct deposit into that account as well as make my monthly payments from that checking account. Sofi then decided to block the checking account and restrict access to the account. They refuse to speak to me and only have a voicemail to leave a message. I was told that if I dont make a payment from the checking account that I will now have to pay a higher interest rate but I can not pay from a restricted account. The representative told me I have to email sofi.org even though the website is sofi.com

Company response to consumer: Closed with explanation