vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. GM Financial violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
Equifax XXXX and XXXX will not respond to my letters or fraudulent inquiries of identity theft. I have numerous accounts that are a result of identity I have provided them with affidavits police reports and they are still violating my rights and reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I My Experian Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : Experian XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via Experian, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for Experian I should forward my documentation and request to fix any discrepancies for my credit 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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
This third party, off brand reporting company called Lexis Nexis consumer center is in violation of interfering with disputed/investigation of reporting. During the investigation process it was determined removal of sabotaged tampered with accounts due to bankruptcy debt buying and resold debt, this Lexis Nexis company unlawfully and unfairly has the removed accounts resubmitted onto the credit report after they were to be removed. This company has never ever reported to my credit report and will NOT start now. I have become a victim of the worst kind of credit reporting and the company will face charges along with all other agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NC

Complaint narrative:
collection account from XXXX collections was placed on my Equifax credit report. 

On XX/XX/2021 I sent a certified letter to XXXX collections to validate this unknown debt. 

XXXX did not respond to the notice to validate the debt On XX/XX/2021 I sent a second notice requesting validation- no response On XXXX I sent 3rd notice. 

I also sent a notice to Equifax on XX/XX/2021 informing them that XXXX failed to verify the account and to investigate and remove from credit report. Equifax failed to properly investigate this account and responded to me by mail stating the account was investigated and verified. 

On XX/XX/2021 I sent another notice to Equifax informing them that XXXX wont validate the account and its the law to remove As of today Equifax refuses to properly investigate the account and ignore the law by reporting an account on my credit report that couldnt be validated by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I noticed this fraudulent inquiry on my XXXX credit report and I've disputed it several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date CBNA XX/XX/20

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 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've been receiving phone calls with the user ID under " PortfolioRecovery '' for a while now. The first time I've got a phone call under this user ID, I answered because I wasn't sure what it was for but I only received an automated voice message so I just hung up. But after that, they've constantly been calling me through different state areas and different numbers. I started blocking the phone numbers that were under the same user ID but it still hasn't stopped " PortfolioRecovery '' trying to contact me. I used to just ignore the phone calls but for today, XX/XX/2021, I first ignored their call but ended up calling back under the number I received to see if I may be able to get a hold of an actual person. I was able to talk to a human on the other line but she was not at all willing to give me any information when I asked her what the calls were about. She was unwilling to provide me any information on this company 's intentions except for the company 's name unless I'd share any information about myself to her. She mentioned something about debt but that was about it and wouldn't tell me anything such as why they were calling me or what this company was about until I provided my first and last name. After I did, she told me that my number might be the incorrect number for the person they have on file. I asked if it's possible to get my number off that list and she told me that I should just answer the next phone call I get from under this company to let the other caller to stop calling me. It's been months where they have kept calling me. I thought it was just a random number and I'm able to just block them from contacting me but this company has been calling me with different numbers from different states and I honestly feel so harassed because it disturbs me during my work times and other times. I've already talked to an associate that apparently works for the company but she just told me to wait until I get another phone call to let the other know to stop reaching out to me. Also I had to call them twice because the first call I had with them, the phone associate wasn't able to give me answers to my questions about why they were constantly calling me and ended up just ending the call. So I had to call them the second time to finally get one information out of them except with the same answer for the rest of my questions. They wouldn't discuss what the company did unless I gave my full name. The person on the other end of the call, I believe were the same person when I called both times, was very vague and wouldn't discuss why the company would keep contacting me and said that the company contacts people for personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hi it was been almost 6 months I am involved with a item from XXXX for {$1300.00} under credit card PayPal which working together Synchury bank. I explained to them that machine was broken and they must refund the items money to their account but they kept me away from issue by telling me wait wait we put dispute and they are under wastage. I wait and called every months three times. Again and again PayPal credit and Synchrony bank belam each other and said to me its our not responsibility its synchrony bank responsibility and they said its paypsy ctedit responsibility. When I call to them two employees answer my phone and said already refund its here and money its here in your account but when she connected me to manager he yelled in me and said who said that the money refund and disrespectfuly shut the phone on me and didnt call back to say sorry for disconnecting. He said you must wait for another 90 days because the case its under vastagation. I wait and I wait another months I called again one day they said money its here but its takes time to go to account. You must pay your regular payment until this issue solve. I called to XXXX XXXX the place that purchased. I connected to him and he said already this money deducted from our account. But PayPal and synchrotrony bank dont want accept this I attached his email. They ended up that case its under favor of seller while seller says they already deducted money. Now they not okay deducted their money and its in their account but also ended up case to seller favor and put me under charge for {$1300.00} while I called many times they said you must wait 90 days passed from dispute they kept me away to finished the process and close the case. Because I cant rich my voice to any responsible person. They taking of my language when I called as second language.please support me help to stand up for my right because I am against two powerful business companies that taking of my language and since I am woman they not listen to my voice. Please help me while seller get back his item and bank get back money in their credit company and bank they want charge me for nothing.

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 monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One has been sending me misleading " Pre-Approved '' emails as both XXXX ads and as regular emails. I am not pre-approved. What does " See if you are Pre-Approved '' mean anyway? Nothing, thats what. The put hard inquiries on my credit, which I have already gone through the Washington State Attorney General 's Office about. Now I am asking them to stop spamming me with unwanted emails and ads. I actually talked to someone on the phone about it at their company, but it still did not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NC

Complaint narrative:
Reviewed credit report & found several discrepancies. PHH mortgage services, DBA XXXX  XXXX  c/o PHH in North Carolina XXXX Formaly known as Ocwen until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX Ocwen transferred to another Co PHH, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you 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 2021-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I began working with XXXX XXXX XXXX in XXXX of XXXX after they aggressively pursued a loan modification with me. They were kind and professional and all of the paperwork seemed legitimate. I signed some disclosures so that the company could speak with my current mortgage company and even sent them financial documents such as W-2s and bank statements. This resulted in me not receiving any information from my mortgage company throughout this process which caused me to miss key information that would have alarmed me of the issue. I received a letter from XXXX XXXX stating my new mortgage payment which was a XXXX  XXXX dollars lower that my initial payment. I was told to make the payment directly to them and theyd be paying my mortgage company. I was given an initial date of about 90 days out of when the process would be complete. The date continued to be pushed back and the continued to ask for post dated check payments 3 months at a time. By XXXX of XXXX I had made 8 payments of {$1600.00} to this company totaling to over {$11000.00}. I reached out to them in XXXX via phone and email and I could not get ahold of anyone. This raises another red flag since they had been so persistent up until then. Eventually I got a phone call back and I was asked to send another payment. I told them that I would not and I requested a refund because they were not doing what they said they would. I have researched this company and Ive found several complaints without resolution with the XXXX. I intend to get a lawyer to try and get my money back. This has caused me to come close to losing my home. The only thing that saved me is that the company requested a forbearance while they acted like they were doing a modification. I believe they pretended they were me but I am not sure. I am in the process of a loan modification with my actual mortgage company Freedom Mortgage who has been nothing but helpful. I owe about {$21000.00} to my mortgage company because of all of this. This has affected my credit and my ability to get loans due to the negative equity. I have never missed a mortgage payment before this incident. I am disappointed that XXXX XXXX XXXX has been targeting people during a pandemic which was an already low time for many. I am hoping that you all can investigate them and prevent them from doing this to anyone else in the future.

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 2021-09-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made a payment from Chase mobile app to my Chase XXXX credit card via the Chase.com app as i do every month. Every other time for years it posted immediately so I didn't worry about making the payment on the due date. This particular time, the payment didn't post for 3 days, they not only billed me a late fee but reported me 30 days late to my personal credit bureau. When I called while the payment was processing, a representative advised that they see the error and to call back once the payment is posted so they can fix it in their system and on my credit report. A few days later when I called back, the representative advised me that they don't have to respond to my alleged banking regulation error because they offer multiple ways to pay my bill. I asked them to open a case to research it as the previous representative acknowledged the error but was denied and they said they don't do that. This is a clear disregard for banking regulations and Chase should be fined whatever the maximum fine is as they blatantly disregard the laws and don't even attempt to remediate or research errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a new savings account with SunTrust. On XX/XX/XXXX I recieved an email stating that checks had been ordered for the savings account and were being shipped to me. I did not request any checks because I have no desire to spend the money from the savings account. I then recieved a follow up email saying the checks had been shipped. 
When these checks never arrived at my home, I reached out to SunTrust, they transferred me to the check company, who then transferred me back to SunTrust and then SunTrust once again transferred me to the check company. Finally on my last transfer to SunTrust, I was able to speak to someone who would take the time to look into the situation. 
I was told that a stop was being put on the checks that have been lost somewhere in the world but that anything already in process or anything that happens digitally due to this error would not be covered. 
I was then told I would recieve an email confirming the stop payment for these checks and I still have not received this confirmation.

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