vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is my second time reaching out to your agency filing complaint against XXXX XXXX out to your agency regarding same issue. To this very day company has not fix or remove this account that is damaging my credit. My original complaint # XXXX. A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX /XXXX XXXX  . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. XX/XX/XXXX @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX  and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

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 2018-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX   disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX   dispute letter for Toytota, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX   5.XX/XX/XXXX XXXX, XXXX  , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have made my payments to GM Financial for 36 months. My lease was up on XX/XX/XXXX I want to buy my car and have been approved for a loan to buy it at a credit union. On XX/XX/XXXX, I paid my XX/XX/XXXX payment through XXXX on my XXXX Account. I have paid my loan this way several times. The money was taken out of my account and applied to the wrong account at GM. It was determined at XXXX   that the loan number was off by one number. The payment had always had the wrong loan number on it so it must have manually been applied. I have talked to GM at least 15 times and XXXX 6 times regarding this issue. I have been told numerous times that someone was working on it and would call me back. No one has ever called me back. I have never been given a phone number and name of someone who was handling this complaint. I have not had anyone work on my behalf at GM. I have spent HOURS of my own time trying to chase down this payment. I paid my XX/XX/XXXX payment in XX/XX/XXXX so it wouldn't be reported to the credit bureau. GM has been provided proof from XXXX more than once that the payment was made and it is still not rectified. I receive 3-4 phone calls a day from GM telling me that I'm late and asking if I want to make a payment. I owe them nothing else but the car is still in my possession b/c I want to buy the car. I need help getting this resolved and ALL fees associated with it refunded!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In response to the complaint XX/XX/XXXX everything a representative said from citi bank said isn't not truth because on XX/XX/XXXX i made a phone call advise them that i suspected unauthorised online wire transfer on my account ending XXXX, I spoke with a gentleman he says that transaction will took 24 to 72 hours to be clear therefore I will fallow a claims in then less than 30 minutes passed i called again a lady answered me saying that unauthorised online wire transfer send hourly at the morning she let me recalled for you and follow a disputed I never heard from them they're staying on still unknown person did another 2 unauthorised transactions again by XX/XX/XXXX and XX/XX/XXXX a representative from citi bank said they will send a notice by mail never received, now they're tried to confuse me i recalled on XX/XX/XXXX that is true them fault and negligence of 3 unauthorised online wire transfer, no excuse i need and I want my money back to my account ending XXXX because I made a phone call on XX/XX/XXXX for the first transaction they waited for another 2 more therefore they bank errors no order alternative just refund me my money back please.

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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

Complaint narrative:
I checked my report while trying a free monitoring service and see a item that I do not owe being I have different service and I always paid on time. From research of other consumer financial protection bureau reviews I am requesting you to delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3.XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXXXXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 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: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX, while I was sitting with my husband at XXXX XXXX in XXXX XXXX for him to turn in his vehicle and renew his lease, I was convinced to turn my lease in early for a new GMC that was not yet on the lot. After spending a significant amount of time there, I agreed and was provided with an estimated delivery date of my new vehicle of XX/XX/XXXX.

After numerous phone calls and emails, I was responsible for two lease payments, and didn't have possession of my new vehicle until XX/XX/XXXX.

As a result of dealer error and misinformation, my credit has been negatively affected, I was in the hospital for XXXX  ( I am a XXXX patient ) and I was ultimately provided with a vehicle that didn't have everything that it was supposed to have. I am still awaiting reimbursement for the XX/XX/XXXX payment and {$100.00} copay from my hospital copay that was promised to me.

I was also told 2 years free oil changes and was then provided with 2 free oil changes. The ultimate irony of the " 3 months free '' Satellite radio that it should have, it did not even come with the option for Satellite radio. Again, this is the LEAST of the issues, but just an another example of " bait and switch ''.

And now, I can't even receive a response from anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: ME

Complaint narrative:
Made a substantial payment to my TJ Maxx Mastercard with XXXX XXXX. Payment was made on XX/XX/XXXX and debited from my bank that evening. Finally showed up on XX/XX/XXXX as a payment. Inquired why my available credit wasnt updated. Was told by CS rep that my payment would not be available until XX/XX/XXXX which is 9 days later. Never paid late. Always paid outstanding balance each month. When I inquired about why I was penalized for paying my outstanding balance, was told I was a high risk from their risk dept. Nothing in my history warrants this treatment. CS reps were very rude and insisted I was the problem.

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 2018-06-12 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: McCarthy, Burgess & Wolff, Inc.
State: WA

Complaint narrative:
While going through a divorce, my exhusband stopped paying on the account even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/XXXX, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/XXXX. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
i submitted a complaint to paypal concerning an account in my name that was hacked and their response shed a lot of light on a lot of fraud that happened in my name that i need a lot more information and a much better response from the company so they can help me restore my identity that they allowed to be so severely compromised to start with.

on XX/XX/XXXX my account was put on limitation and paypal requested that i confirm my identity with new security questions, new passwords and submit a copy of my photo id. i did NOT do any of these things. and especially because paypal 's policy demands that the only valid photo i.d . that would be accepted is a drivers license or other government issued i.d.s i NEED to know what this photo looked like, because i have never a day in my life sent paypal a photo I.D .

on XX/XX/XXXX my account access was restored and it never should have been.

then 3 days later, XX/XX/XXXX, for the same reason my account was put on limitation, and using the SAME method my identification was validated and my account access was restored. i have not used any of these accounts for years and none of these actions taken to confirm my identity were done by me and NEED to be analyzed.

additionally i submitted my complain on XX/XX/XXXX and it took until XX/XX/XXXX for paypal to place another limitation on my account, especially considering the limitation placed on XX/XX/XXXX should never have been lifted, the fact that it took until XX/XX/XXXX to place a permanent limitation is a serious problem. And the fact that it is at a " permanent limitation '' status and not " closed '' needs to be remedied IMMEDIATELY ( not in another month )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
The doctor was informed that my insurance only cover me after I spend {$1500.00}. I informed my doctor that I would be requesting XXXX XXXX under the XXXX act and I would not have to pay for the XXXX or XXXX he recommend. I informed the doctor I made little money and all I could afford was the co-payment. In any event, the doctor assistance walked in and gave me a XXXX XXXX. After what I said he said, " he would bill the insurance company. '' Next, I received a collection bill from two collection agencies in two different states. I received telephone calls. I call my attorney. Both collection agencies are not in compliance with Florida Statute 559.553 ; Florida Statute 559.715 ; 15USC1692 ( g ) ( b ). ( c ) ( k ). I request the collection  agency cease and desist from a letter from the federal government.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: IL

Complaint narrative:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX  disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I ask for a full validation of debt with bearing signature with XXXX XXXX XXXX, they send me back a letter that they are not obligated to provide the documentation to me that I requested. On they records indicate the application was under XXXX XXXX. XXXX XXXX XXXX verifies the identity of every new customer in accordance with the USA Patriot act. Also they send me a let from a collection agency ( convergent ) attempting to collect on a debt without any validation. Right now they are violating my rights

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 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Has there been any update to complaint XXXX that was filed back in XX/XX/XXXX. It still shows that it is open and the company has not responded. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
This item was already removed once. This company refuses to reconcile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan calls multiple times a day and repeatedly back to back. They leave harassing and threatening messages. Im not working and they arent willing to work with 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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
this is in fact a follow up to my resent complaint, and after careful review of Ocwen Loan Servicing, LLC there are a number of fraudulent and misleading errors in violation of the Fair Debt Collections Act, mainly, the numerous amounts of paperwork submitted to the Consumer Financial Protection Bureau in which this agency was designed to protect consumers from abuse from mega banks and agencies from the practices gleamed here. mainly the affidavits filed were robo-signed a practice condemned by federal agencies, furthermore, there are a number of holes and gaps in the title chain transfer apparently prior to Ocwen claiming ownership or service connections. The failure to record the required documents accurately undermines and even invalidate the transfer altogether. There are a number of lump-sum payments made by me during the mortgage process which are fraudulently non reflective in any of the vas amounts of paperwork submitted to the CFPB buy Ocwen. I contend that Ocwen has and continue to engage in an illegal foreclosure action as this agency is well aware of the tactics used by Ocwen. it is well settled that every Deed should contain 1. An indication that it is a Deed, 2. Description, 3. Signature of the individual or entity that is transferring the property, 4. Data regarding who is taking title to the property, and 5.  Validly delivered to new individual. These holes and gaps in the chain of title and payments demonstrate fraudulent activity and brings into question of who actually owns the mortgage and has standing to foreclose on said mortgage. In 2010, it was revealed that several large banks routinely used affidavits signed by employees who did not personally review the documents and had no basis tor believing that the homeowner was in default or that the bank owned the loan. Employees for financial giants like XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX have all testified that they signed many thousand of  affidavits a month, spending about 30 seconds on each affidavit, and that they didn't have a clue regarding the veracity of the affidavit or the documents in question-hence the name " robo-signers ''. Since this scandal broke, it has been revealed that SERVICERS robo-signed all kinds of foreclosure documents besides affidavits, like assignments of mortgage and other documents needed to foreclose. Banks can not legally foreclose on a house if the foreclosure paperwork is not in order, as is the facts here, there has been robo-signers which is illegal and in this instance the demonstrably false and illegal faulty paperwork being submitted by Ocwen or any other can not demonstrate the veracity of the necessary documents.

Company response to consumer: Closed with explanation