vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed late payments on my capital one credit card. Capital one removed the entire tradeline from all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Re : Case No XXXX in the Superior Court oXXXX XXXX XXXX Re : Attached Notice of Debtor Letters : Creditor Name : Wilmington Savings Fund Society , FSB, XXXX " WSFS '' XXXX Creditor Address : XXXX XXXX XXXX, FL XXXX Creditor Attorney : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached Exemplified Affidavit from the XXXX XXXX XXXX XXXX XXXX in the Superior Court of XXXX XXXX Plaintiff : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  not in its Individual Capacity but Solely as Trustee for the XXXX XXXX XXXX XXXX, XXXX " XXXX '' XXXX Attorneys for Plaintiff : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX Route XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Services Invoice submitted as Exhibit Y in Case No. XXXX Client : XXXX XXXX XXXX, XXXX " XXXX '' XXXX Client No : XXXX Account # XXXX Re : Attached SEC Response XXXX " Our records do not contain any information regarding XXXX XXXX XXXX XXXX. '' Dear CFPB, We are reaching out for your agency for assistance with obtaining proof of debt and proof of claim from XXXX, and/or XXXX, and/or XXXX. 

Apparently, three parties are now alleging a claim Case No. XXXX in the XXXX XXXX of New Jersey ... .WSFS pursuant to the Notice Of Debtor Letters, XXXX XXXX to the exemplified affidavit and Prime pursuant to the XX/XX/2021 Professional Services by attorneys at the Law Firm of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

We dispute that any of the foregoing parties, WSFS, XXXX or XXXX have a valid claim and demand strict proof thereof. 

Thank you for your assistance in ensuring that a verified proof of claim/proof of debt is provided, absent which the foregoing three parties and their attorneys are hereby directed to withdrawn and dismiss Case No. XXXX in the Superior Court of XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Titlemax took money from me from XX/XX/2019 up until XXXX I told them that I losty job and my wife and other family members had caught covid. I even tried to give paperwork showing this and they said the didn't need it just pay what I could .in XXXX I tried to pay them XXXX dollars they refused repossessed my car. And gave me ten days to give them XXXX dollars. I didn't not receive stimulus or tax refund or pua or unemployment aid. During this whole pandemic my family suffered. This is what happened. They decieved me about what kind of danger my car was in. I even had a manger on a recorded line by company tell me she would accept XXXX to close out my account to which the pandemic started and I couldn't get in contact with the manager. Who names I had wrote down on my notary paperwork in my car too which they kept all my belongings including notary info on my clients private I'd. Info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have mailed in multiple inquiries to Experian, XXXX  and XXXX  regarding inaccurate information listed in my credit report and I have not received any corrections to my credit report or any responses from Experian or XXXX  about my concerns. I sent these inquires in XXXX, a follow up in XX/XX/2021 and I just sent in a third request this month XXXX XXXX XXXX. It has been several months and I haven't heard anything from Experian or XXXX. I'm not really sure what else I can do on my own so I am submitting this final request before I talk to an attorney about my options.

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 2021-04-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.

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 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
An account that was previously removed from my credit file in XX/XX/XXXX was reinserted in XX/XX/XXXX by the company Convergent Outsourcing Inc . The company failed to notify me of the reinsertion within five ( 5 ) days which directly violates my rights under the Fair Credit Reporting Act. I sent a certified letter to the company detailing this incident on XX/XX/XXXX and demanded the collection account be removed due to my rights being directly violated. The mailing address for the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, and their phone number is XXXX XXXX XXXX XXXX. I would also like the license number of this company and verification that they are legally licensed to collect debt in my state of residence. 
Thank you

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 2021-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I have mailed in multiple inquiries to XXXX, XXXX and Equifax regarding inaccurate information listed in my credit report and I have not received any corrections to my credit report or any responses from XXXX or XXXX  about my concerns. I sent these inquires in XXXX, a follow up in XX/XX/2021 and I just sent in a third request this month XXXX XXXX XXXX. It has been several months and I haven't heard anything from XXXX  or TransUnion. I'm not really sure what else I can do on my own so I am submitting this final request before I talk to an attorney about my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, XXXX XXXX XXXX is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I traded in XXXX XXXX XXXX  XXXX car to XXXX XX/XX/XXXX. Please update credit report and credit score showing CAR IS PAID IN FULL for CREDIT ACCEPTANCE. Total amount paid was {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: NC

Complaint narrative:
I have disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on 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 2021-04-11 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, Southwest Recovery Services is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Debt was not owed, however company continued to call and harass me. They called family members and places of prior employment. This occurred over a 2 year period for an amount they state is XXXX USD. This company has continued to report the debt as a major derogatory account fraudulently to XXXX. 
This is effectively extortion at this point. The company is United Revenue Corp .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I was approved for a FHA streamline home refinance loan with XXXX XXXX XXXX at a much better rate of 2.5 %. My current FHA home loan is with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX  received and responded to a letter requesting the payoff amount for my current home loan ( see attachment ). 

On, XX/XX/XXXX I received a call from XXXX about the XXXX payment to which I informed customer service that I was approved for the FHA streamline and that the payoff for their loan ( i.e. closing date ) would occur by not later than XX/XX/XXXX. I was told that this would be noted to my account. 

On, XX/XX/XXXX I received another call from XXXX customer service about the XXXX payment. I informed the agent that we would were scheduled for closing on new home loan on XX/XX/XXXX. We did in fact sign all documents to close on the loan on XX/XX/XXXX. 

All closing documents were filed with the XXXX XXXX Clerks and a wire transfer for the full amount as given by XXXX for the loan payoff was sent on XX/XX/XXXX ( see attached document ). 

On XX/XX/XXXX I received a call from XXXX stating that I owed for the XXXX and now XXXX mortgage payment. I told them that the loan was refinanced and paid off on XX/XX/XXXX. The agent stated that the pay-off amount was incorrect and short by {$2100.00} which needed to be addressed. I told her that I would call XXXX XXXX  XXXX to find out if they are aware of this discrepancy. When I reached out to XXXX XXXX  XXXX they were totally unaware of this and was not informed by XXXX that anything had changed from the payoff amount that they gave them on XX/XX/XXXX. 

To date there have been many calls back and forth trying to get someone from XXXX payoff department to call back XXXX XXXX  XXXX to work this out. Messages have been left and none have been returned. 

I also just looked at my credit report and see that XXXX marked me as past due for 30 days!! This has had a negative impact on my credit score which now prompts me to solicit legal assistance to address this unwarranted damage to my credit score. 

We filed a complaint in the past about this company ( XX/XX/XXXX ) and the highly improper difficulties in communicating with customers and other businesses to resolve issues around how they have handled servicing our home loan. Now we find ourselves once again caught up between XXXX 's mismanagement of our loan via poor communication which has subsequently caused damage to my credit score. Please assist with helping us to resolve this issue and get XXXX on point to take the necessary measures to resolve the loan pay out discrepancy with XXXX XXXX XXXX and retract the 30 day past due status they reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: AL

Complaint narrative:
SF/XXXX  XXXX needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. SF/XXXX XXXX  dont ever do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I was scammed by a person named XXXX XXXX in sending this amount of money XXXX $ through Moneygram in XXXX. The transfer was made on XX/XX/XXXX. I tried to cancel it but it didn't show the cancel option anymore and the company ( money gram ) have a clause saying that you can't get a refund back if the person already picked up the money. I did the payment online. In order for this person to pick up the money she would have to show her ID. The name of the city that she gave me is XXXX, zip code XXXX, phone number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Sir, I dont have right now Amazon Store card. 03 months before I closed card & destroyed which card last # XXXX, because I disputed & you resolved problems Afterthat I never used card because closed & destroyed. 
Now recently Amazon send a bill for {$270.00} which is not purchased anything by me & I called request to CS to send proof Doc for item they fail & could not solved problems. So Please kindly asked them send proof of item purchased, This credit card Co. gave hard time & insults ignore my response. 
Pls kindly settle this unauthorized charge & demands me to paid {$270.00}. 
I will never pay because never buy anything.

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 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Capitol One credit card was opened frauduntley in my name on XX/XX/XXXX. I was made aware of the account on XX/XX/XXXX when I received a letter from Capitol One claiming that my payment in the amount of {$880.00} was returned by the financial intuition. I called to inquire what the letter was about because I did not have a Capitol One account at that time. I spoke to a representative XXXX, ID # XXXX who claimed to put a freeze on the account and transferred me to the fraud department so I could file a fraud claim where I spoke to XXXX, ID # XXXX. I was told at that time the card would not be approved for any further charges. I then filed a fraud alert with all 3 credit burea 's. Shortly after filing my claim I received a letter from Capital One that they balance and information in their records is correct. I then after filed another fraud claim against this account and thereafter with with every collection agency. Capitol one then proceeded to take me to court in XXXX, XXXX. I filed an answer with the court dening doing business with Capitol One and that the account was opened by someone else and that I have been attempting to make Capitol One aware of this to no avail. On XX/XX/XXXX Capital One Bank by and through its undersigned attorneys voluntarily dismissed the case but Capital One is still reporting the debt as a charge off with credit burea 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting information on a car loan that was fraudulently put into my name by XXXX XXXX XXXX XXXX ( XXXX ). I have been requesting the following information for 5 years. XXXX ignores and purposely sends what they want. I requested information per the attached memo dated XX/XX/XXXX and I received the attached. It is not what I requested. Why? Does that look like what I requested? XXXX  XXXX XXXX XXXX is illiterate or playing games. 
A careful examination of the permissible permission and the credit report will reflect the fraud. THAT IS WHY I NEED IT! When I became aware of the forgery, fraud, etc etc, I immediately filed a sheriffs report on XXXX XXXX XXXX XXXX XXXX as reflected on the application. Which I have sent XXXX multiple times! The presidents office of XXXX XXXX XXXX XXXX informed me I need an affidavit PLUS sheriffs report reflecting XXXX with VIN number which I was not aware of in XXXX and did not know to do when I filed the sheriffs report. Therefore, I have sent convictions and police reports on XXXX XXXX XXXX XXXX XXXX reflecting forgery, false pretenses for many cars. XXXX XXXX is even listed on the application! AS FURTHER PROOF, my personal information was accessed WITHOUT MY PERMISSIONS one day prior to an INCOMPLETE application. The incomplete application should not have been processed at a minimum AS EVEN STATED AT TOP OF APPLICATION. 
PLEASE READ THE FOLLOWING REQUEST AGAIN CAREFULLY. Again, I request : Copy of dated Permissible Permission used to pull my credit report on XXXX Copy of Credit Report pulled on XXXX. 

XXXX  XXXX XXXX XXXX based their decision upon the credit report and I need the credit report pulled XXXX. In addition, I need the permissible permission used to access my credit.

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 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a response in which they explained how their business was formed. In which the debt collection continues after a police report was fax to them.

Company response to consumer: Closed with explanation