vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was scammed by dealership called XXXX XXXX  in XXXX New York I am on XXXX  XXXX  they trying to finance a car I could never ever afford in my life they have the car and still trying to fraudulent push through loan anyway and trying put me in XXXX dollars in debt I could never ever pay I spoke to my bank reported the fraud and spoke to other lenders that were contacted trying push through the loan I also suffer from XXXX  illness and had a complete XXXX  breakdown and dont feel safe with this dealership again they said they canceled loan contact the bank I have no paperwork no anything no receipts absolutely nothing so i also dont know what fraud they done on the loan application it self any bank could see I could never financial afford that I barely can buy food to eat I contact ally bank many times right away reported fraud and they promised they would cancel loan contract from being processed so I wan na put in formal writing I been having XXXX breakdown on XXXX and dealership is defrauding by trying to push loan through that suppose be canceled they have their car I have nothing and I can not let this ruin my entire life I spoken with ally many times and have reference number where lady said its going to be canceled they wont fund it

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 2021-07-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 


My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

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 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
Way2Go LIED! I have been told that there is NO direct deposit for NV unemployment benefits. FALSE. A LIE! I have been in touch with another individual on NV unemployment and he has access to direct deposit. I haven't had any issues with direct deposit so far. I am denied direct deposit upon clear statements that none was available in NV. Go to a bank or and ATM. Why am I denied direct deposit? No matter the reason, the statement by Way2Go that there Is NO direct deposit available as part of NV unemployment money distribution is FALSE, contrary to their published instructions and available on their internet site and apparently only effective for select unemployed individuals. Their direct deposit statements are as false as the explanation entered to terminate the unchangeable direct deposit election I entered on their website as a " security matter. '' " This feature has been disabled due to suspicious activity on your card. Please contact customer service for all future enquires. '' ( False explanation for terminating direct deposit by call supervisor ) More hours on hold! 

ATTN : All Unemployment Insurance Claimants : Nevada Department of Employment, Training and Rehabilitation ( DETR ) has changed prepaid debit card providers, from XXXX XXXX XXXX to the Way2Go Card. This transition will not affect your claim, only how you will receive your benefits beginning in XXXX. 

https : //gov.nv.gov/Constituent/Unemployment/

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to XXXX XXXX-loan company. The agent stated that they bought my information from XXXX XXXX. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the XXXX XXXX that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the IC3 site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Inconsistent AND incorrect contact information provided to CRA 's for : RESURGENT CAPITAL SERVICES, as follows : wrong address provided by creditor ( address verified by USPS certified mail ( receipt attached ) ) Issue 1 : ( WRONG ) Address shown on XXXX  XXXX Credit Report : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( CORRECT ) USPS verified address : C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue 2 : variance in contact address/POC information for reporting XXXX  reports the following contact information for CACH , LLC : Contact CACH , LLC XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  reports the following contact information for CACH , LLC CACH LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( INCORRECT ZIP CODE PROVIDED ) ( XXXX ) XXXX XXXX  reports the following contact information for CACH, LLC/RESURGENT CAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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:
There are two Bankruptcies on my report that I will continue to dispute that are not mine. Please remove immediately. I have not filed Bankruptcy.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My loan was serviced by XXXX and sold to Fifth Third bank effective XX/XX/21. 

Fifth Third has sent me mountains of paperwork with conflicting guidance and information, I attempted the process of trying to setup online to clarify and see the loan on their website. Their system said I had to call their customer service number which I did. 

I call from work so they told me I needed to call again from my home phone to verify my identity. The problem is that would require me to miss work since their hours are listed as Monday to Friday. 

No other institution I work with makes it this hard to setup a new online access, they refuse to help me and they bought the loan which means I have no options or choice aside from trying to refinance at cost to me to get away from this awful bank. 

I can not think of a more anti-consumer approach to a new client than this whole experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$7600.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$8000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : XXXX Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$6100.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3500.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3500.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$8400.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$11000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXX AMOUNT : {$1.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$12000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$16000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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 2021-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : CAPITAL ONE {$0.00} XXXX XXXX I AUTHORIZED CFPB to receive information on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} OPORTUN PROG I AUTHORIZED CFPB to receive information on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colonial Mortgage Service Co. Of America
State: PA

Complaint narrative:
I want to file a complaint regarding the harassment I am facing from one of the agents of Colonial Mortgage Service. I had contacted this company in XXXX and then in XX/XX/2021 in regard to refinancing my primary residence. Due to reasons beyond my control the refinancing was not approved by the XXXX XXXX. I contacted the same company few days back but when no one returned my inquiry I proceeded with another financial institution, with which I am currently working. The agent XXXX XXXX contacted me today and after learning that I had gone with another lender due to no response from his side he became very agitated and started yelling at me over the phone with the threatening tone followed by email to the same effect ( email copy attached ). Right after this I started receiving calls from a number of lending companies that I have never contacted for any kind of business - refinance or anything like that. I was told they were contacting me because they received my information for a need for loan. I have also received several emails of similar nature ( attached herewith ). I would like you to kindly investigate this company and the agent as they have access to all personal information for my family including drivers license, social security, banks that this agent seems to have shared without my permission. I am afraid that with this kind of access my finances, savings are not safe along with mine and my familys safety. This request is to review this complaint as an urgent matter given the gravity of this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Credit Control, LLC
State: CA

Complaint narrative:
XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/2013 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
The ending of XX/XX/2021 a XXXX excercise bike was order thru Fortiva Retail Credit amount was {$2000.00} and the bike was {$1400.00} I had for almost 2 weeks but I decided I wanted to return the bike due to not being fit for me so I contacted the merchant Fortiva Retail Credit and also XXXX and made return request to have them pick the item. they received the item on XX/XX/2021 which was credit back {$100.00} and {$1300.00} just before that a payment was due on XX/XX/XXXX which I made a payment of {$82.00} before the due date and I still return the item back to them. Now after they received everything back and I don't have nothing of theirs they sent me a statement stating I owe them {$45.00} for what?? I don't know, I am not late on anything I contacted them 2 times already and nothing is being resolved but the representative arguing with me about the balance owing. I asked them to explain what I owe them for she tried to say that before the purchase and I explain I gave everything back and on the statement it stating late fee which I didnt have a late payment at all but they trying to charge me {$45.00} for what they can not explain I asked for a supervisor or manager and gave me a dispute number 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 2021-07-21 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: IL

Complaint narrative:
I had a medical procedure done around 2018 and had an outstanding debt to a hospital for over {$1000.00}. I still hadn't paid this outstanding amount after a few months went by. Then, XXXX day XXXX received a letter from the hospital saying that if I paid just {$140.00} then they would completely eliminate the amount I owed and consider the account paid in full. So, I paid the {$140.00} after relying on the hospital 's representation that this would completely eliminate my outstanding debt ( proof of this letter is attached ). But rather than consider my account paid in full after I sent them the {$140.00}, the hospital continues to say I owe them money. So I disputed this with Experian and showed all of the necessary proof to support my assertions ; but, rather than side with me the credit reporting company sided with the hospital/debt collector.

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