vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Several years ago, my wife - who is XXXX and XXXX and can not work - saw an ad on t.v. for Titlemax. Since she did not have credit she thought this would be a neat way to borrow a little money. She did not understand the interest rate was monthly rather than annually and ended up paying interest fees that exceeded the amount of the loan. She was not and is not now XXXX XXXX of making contractual decisions on her own. 

I agreed not to prosecute Titlemax at that time with the understanding that she would be placed on a " do not lend '' list to prevent recurrences of this issue. 

I've recently learned that she borrowed money against her car again - {$5000.00} without Titlemax doing any diligence to see if she could repay the loan. She has already paid thousands of dollars on this loan that she does not understand and that they promised they would not give her. 

Regardless of the fact that she is my wife, it is incumbent upon lenders like Titlemax to ensure borrowers have the ability to repay and she does not. They continue to behave in a highly reprehensible and reckless way with elderly and XXXX individuals with little or no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: CA

Complaint narrative:
This company is harassing family right after having verified my location, making threats and leaving personal data plainly for others to hear. 

XXXX XXXX of XXXX XXXX XXXX but then XXXX at XXXX its very unclear. 

XXXX Ext XXXX Information : On XX/XX/2020 I received a missed call on my cell phone from this company with a number of On XX/XX/2020 I received a missed call on my cell phone from this company ( at phone number XXXX ), followed by a forwarded voicemail from my mother as they called her right after. Someone named XXXX XXXX called from XXXX and very quickly with no discretion he said my full name on the voicemail and that he was calling about a debt I owe, said where I worked, and that his company was going to garnish wages from me. This is what he said upon the very first time this company ever contacted me, and in voice messages to my family upon first contact. 

I then called him back on my cell phone and spoke to him, verified my location and phone number and that he successfully contacted me. I was very friendly and told him I needed to verify the matter and would get back to him. He was extremely rude and laughed at me. 

He left a message the following day threatening legal action at XXXX. 

36 hours later on XX/XX/XXXX, he called my mothers phone again at XXXX and left a voicemail which said my name and that I owed a debt and that his company was threatening legal action. She played me this message. 

I contacted him to let him know please give me a few days to look into this matter and that he only needs to contact me through my phone number and address, no one else as he already verified my location. Its my understanding that they can not continue to harass my family especially when they know how to reach me and Im in contact with them, especially leaving private information on messages. This seems like just bullying on his part. 

Thank you, 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 explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC
State: RI

Complaint narrative:
Received a phone call from a person at Alliant Capital stating that i owe them money for a payday loan with XXXX XXXX. I never took out this loan, and then they started naming my relatives stating i used them as references and then threatened to have the police arrest me. I never has anything to do with XXXX XXXX or Alliant capital

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: LA

Complaint narrative:
Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My XXXX year old son took my phone without my permission and transferred {$500.00} to a random person on zelle thinking he was buying a XXXX. He told me this person blocked him after and lost all of my money. I was so furiated. had no idea this occurred as I was busy on my laptop. I immediately reacted by calling my bank to say an unauthorized charged occurred. I just want to get my money back. It has already been removed from my bank and I have already filed a dispute. If this dispute doesnt return my money what do I do!? I did not allow for this to happen and i have no idea who the person is he even sent the money to on zelle. I have pictures of their conversation on XXXX. I believe this person is a scammer under a fake name. I will include them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Item Reasons Additional Comments XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXXXX  Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute Item Reasons Additional Comments XXXX  # XXXX I have no knowledge of this account XXXX  # XXXX I have no knowledge of this account XXXX  # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2020-09-17 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: LA

Complaint narrative:
XXXX  and Experian should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX  nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.

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 2020-09-17 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: Ocwen Financial Corporation
State: MO

Complaint narrative:
Some time in XX/XX/XXXX, PHH Mortgage sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with PHH Mortgage since XXXX. When PHH sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, XXXX, and XXXX as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I ordered product from XXXX XXXX in XXXX. I never received any shipment information, so I tried to contact them, several times, through website email. There was no response. 
I questioned the integrity of this company after going on line and finding multiple Scam Alerts on consumer websites and XXXX, with consumers experiencing similar issues of no response to inquiry emails sent and non- functioning toll free numbers. 
When XXXX website had information advising no longer selling products, I contacted CapitalOne to report issues, not receiving product and disputed transaction. On XX/XX/XXXX I received package from XXXX XXXX, in soft non padded plastic bag. There was no receipt enclosed only a dented box, with the unit broken. It appeared to have been crushed or possibly not assembled properly before shipment. I sent email that same day to XXXX XXXX, advising item received broken and requested an XXXX label, but again no contact at all. A few weeks later I received a letter from CapitalOne declining dispute advising I now have to pay charge.I contacted CapitalOne account XXXX XXXX ID # XXXX this morning ( XXXX ) who stated, it's not CapitalOne responsibility to ascertain if company the Consumer does business with is a scam or not. In addition, although I sent proof of trying to contact requesting cancel/return product, XXXX advised CapitalOne is requesting I pay charges anyway, adding dispute is closed ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hello. I bought my house in XXXX of XX/XX/2019 Upon reviewing my credit score, I noticed that TransUnion did not have anything showing good standings with making my monthly mortgage payments on time, in which would ultimately help my credit score. I reached out to my mortgage company to find out why this was happening. They stated that TransUnion will not work with them and acquire information regarding mortgage payments from their clients due to the size of the bank potentially. 

I find this unacceptable and every bank should have the right to provide the credit bureaus information in regards to good or bad payment status ' and accounts. This should not be determined on the size of the bank or how may clients the bank is providing mortgage loans to.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2020 I set up a payment plan with Synchrony Bank for a PayPal Credit Card for {$75.00} to be taken out of my account on the XXXX of each month. On XX/XX/2020 they took {$700.00} from my account instead of the {$75.00} agreed. I contacted Synchrony Bank on XX/XX/2020 and they confirmed this was an agent error however it would take them 21 days to look into the matter. 

We now have no way to pay our rent or feed our family. My wife and XXXX daughters will become homeless next week because this money was stolen from us and not given back.

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 2020-09-17 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: NY

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. 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 2020-09-17 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: NY

Complaint narrative:
I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted XXXX, Equifax, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to XXXX Equifax, XXXX and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have called myself, I have paid every time, I am affected by the pandemic, my credit was affected, but I still met my payments, I paid my promotional payments in full and they also closed my account, they closed four accounts in their totality of the financial SINCRONARY ROOM TO GO ACCOUNT NUMBER ENDING XXXX  XXXX XXXX SYNCONRARY BANK ACCOUNT BANK NUMBER ENDING IN XXXX GUITAR CENTER SINCRONARY BANK ACCOUNT  BANK NUMBER ENDING XXXX  ON DAY XXXX XXXX PAY the totality of the XXXX XXXX house price for a value greater than XXXX dollars I have never abused the account I have a payment history where I have always complied Furthermore, the same Financier gives me credit in the XXXX XXXX and in AMAZON and in them it has not closed me, this affects my credit even more and where I am raising before that horrible Pandemic that affects the entire planet and our country in particular, being very affected The XXXX XXXX that I own and have not closed despite the adverse moments, I consider that I have honored the debt and that they should NOT CLOSE THE ACCOUNTS AND THEY SHOULD CONSIDER.

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 2020-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello Parties involved is my Capital One Bank Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX  has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX  is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
I was employed by this collection agency from XXXX. During this time I observed the company make collections on debt that was past the Statute of Limitations in all 50 States.

The collectors were telling debtors that a motion has been filed in the debtors county for a lawsuit, that the collector would say NCA is a law firm, that unless the debtor would come to an agreement right then an there the motion would be put into place, that the debtor can have their wages garnished. This company is not a law office, the collector was not an attorney nor paralegal but would say they are a liason then other times not say they what their title was but that a lawsuit will be filed, this was on both current debt plus debt that was past the Statute of Limitations. NCA would tell debtors the debt is on their credit score even if it's 8-12 years old with the company placing old debt onto a person credit report to collect even though the debt is past the limitations thus affecting the debtors credit score. The company collected on all types of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name

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 2020-09-17 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: TX

Complaint narrative:
XXXX XXXX  XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name

Company response to consumer: Closed with explanation