vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Dear sirs and/or madames, My name is XXXX XXXX. I recently paid off a lien from Wells Fargo on my XXXX XXXX XXXX XXXX. It was paid XX/XX/XXXX for the remainder of {$3100.00}. The full amount of lien exceeded {$14000.00}. I received information that the lien release would be in the mail as of XX/XX/XXXX via informed delivery USPS. Informed Delivery with USPS has been spotty at best, and I am not sure that the postal worker delivers accurately. That, however, is beside the point. Now that I have paid the loan, I can no longer access my online account with Wells Fargo Auto. There's been no email correspondence from them about the payment. 

I recently moved with my family to XXXXXXXX XXXX, from XXXX  XXXXXXXX XXXX I flew back to XXXX from XXXX on XX/XX/XXXX to finalize a sale with XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX. There are no XXXX stations near enough to make owning the vehicle viable here. The flight cost me {$320.00}. The trip to XXXX cost me {$89.00}. The trip to the airport to go back to XXXX cost me {$50.00} plus a tip. The trip back to my apartment from XXXX cost {$96.00}. 

I granted my mother power of attorney in order to sell the vehicle in my absence, since can not be in two cities so far apart at once. The cost was {$10.00} to have papers notarized. I contacted Wells Fargo Auto on XX/XX/XXXX when I was still missing the lien release from the mail. They informed me that they would email the lien release, but that it would take 7-10 business days. On XX/XX/XXXX, I called again to request that the lien release be faxed to XXXX ( XXXX ) XXXX. They again informed me that it would take 7-10 business days to process. 

I have since called XXXX ( XXXX ) XXXX thrice on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to see if they received the lien release. They reported back to me that they had not received it. I also have not received the second mailed lien release that I requested on XX/XX/XXXX. I made the final phone call to XXXX today XX/XX/XXXX after visiting with a banker at the local Wells Fargo Banking Center here in XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ). 

The banker was kind and professional, but he could not provide me with the lien release either.

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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MI

Complaint narrative:
This company, National Recovery Agency has stolen my identity by way of fraud and is attempting to collect a debt I dont owe them. I never signed a contract with this company. They are using my private information to coerce payment.

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
This company continues to harass me for a debt that i don't owe or no nothing about.they refuse to tell me what the debt that i owe FOR. Mrs acct # XXXX XXXX. Original account # XXXX. Current account # XXXX. Debt amount {$1600.00} charge date XX/XX/2018. Thank u XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied in XX/XX/2021 for a chase XXXX marriott credit card and was approved. I received a call a few days later from chase asking if i applied. I confirmed and verified that i did. They mailed me a card. I tried to activate it. They told me it was being reviewed by fraud. I received a letter a couple of weeks later saying that they closed the card because they didnt know if it was opened by me or not. If i did apply to call. I called. They had me email my identification. Afterwards i received a letter saying i was responsible for the account they reopened it. They sent a new card. I tried to use it. They told me it was being investigated.AGAIN. I received another letter dated XX/XX/XXXX. Saying they closed it because they didnt know if it was me or not. If it was me to call and let them know. I called AGAIN. i asked why do i have to keep doing this. Their response was. The account is under review. At this point. This is on my credit and opening and closing this acct is affecting my credit. This is unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
Consumer Portfolio Services, has not provided me any documentary evidence pursuant to 15 USC 49. They have not provided me with any contract bearing my wet blue ink signature that I owe them. 

Furthermore they have been reporting an alleged account on my credit report negatively. 

I will have no other choice but to file a complaint with the attorneys general if they do not delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
The Law Offices Of Maury Cobb sent me a letter and numerous robo calls saying they are trying to collect a debt from XXXX XXXX ( who I was a customer for many years which I never had even a late payment. ) I then called the law offices of Maury Cobb which a gentleman informed me I owe XXXX for early termination, equipment and taxes. I told the gentleman I didn't owe that and it was bogus. The gentleman then put me on hold for a hour just to hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There is a collection account on my Experian report that is WRONG! XXXX  and XXXX  both fixed this situation. I did not have a water bill in XX/XX/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 explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SinglePoint GI
State: MO

Complaint narrative:
General Revenue Corp is reporting a loan as only 7mo old when it is really almost 7 years old and should fall off my credit report pursuant to the FCRA this year!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a refinance of my coop mortgage with Chase Bank ( my current mortgage holder ) on XX/XX/2021. I have submitted everything they have requested, multiple times. My account specialist has changed four times since this process had begun. I have called and emailed each of them and got no response, until I call/email their supervisor, however the supervisor has changed again. I am routinely told various excuses from " there was a misspelling, wrong account number entered, waiting for my coop insurer XXXX XXXX to submit paperwork ( done several times over ), the Insurance underwriters are still reviewing, etc. I am always assured that the closing will occur very shortly. Now, it is XXXX XXXX 7 MONTHS later and I still am nowhere with this refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Village Capital & Investment LLC
State: GA

Complaint narrative:
Without my permission or being contacted in any form or fashion, XXXXVillage Capital pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the 866 number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and XXXX. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX/Village Capital & XXXX / Mortgage XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/2021 I sent over a certified letter to Midland funding requesting debt validation. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well Midland has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Without my permission or being contacted in any form or fashion, XXXX XXXX pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the XXXX number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and Equifax. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
MY IDENTITY WAS STOLEN FROM ME. PNC CARD WAS NEVER MINE, AND I HAD ALREADY ALERTED THE BANK.I ALSO WENT TO THE POLICE STATION TO OBTAIN A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In XX/XX/2021 I sent over a certified letter to PORTFOLIO RECOV ASSOC requesting debt validation after I noticed this unfamiliar debt on my report. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well PORTFOLIO RECOV ASSOC has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines or even notify me of the debt. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX HAS REINSERTED 2 ADDRESSES ON MY CREDIT REPORT THAT I NEVERED LIVED AT, AND TODAY I RECEIVED A LETTER STATING THEY WILL BE REMOVING MY SECURITY FREEZE, WHY I DIDNT ASK FOR FREEZE TO BE REMOVED. EQUIFAX IS PLAYING GAMES WITH MY CREDIT REPORT AND CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : CREDIT COLLECTION SERVIC # XXXX XXXX  XXXX  XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX/XXXX  # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation