vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company failed to comply with FCRA regulations and notify me that they have/would be/or could report derogatory information to all three consumer reporting bureaus. Despite having an address on file, references on file, an email address on file and an additional authorized third party on file they made no diligent efforts to notify me of this prior to the damages being caused. Their failure to uphold their responsibilities caused me to lose a house I was set to close on valued at {$190000.00} in addition to appraisal and inspection fees. Not to mention, they continuously attempted to draw on a closed checking account and I incurred expenses with my financial institution as a result. I attempted to see if they would remedy this by a good will gesture as I have never been in default before and this was an isolated incident but they replied with " they tried to call me and its my own fault ''. I further explained to them the circumstances surrounding the breakdown in communication and they would not reasonably reach a civil conclusion.

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 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an  account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have send a request to AFNI demanding a CERTIFICATE OF ASSESSMENT and other relevant information. AFNI has refused to respond. I sent the letter to AFNI via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I financed the vehicle thru Lexus Financial Services, the car was totaled on XX/XX/2019. My insurance company declared the car a total loss on XX/XX/2019 and informed me the amount of the total loss. They submitted a check to Lexus Financial Services on XX/XX/2019 for the amount. I was due a refund based on my overpayment. I have repeated contacted Lexus for the status of my refund due. They informed me that they only received the check from my insurance company on XX/XX/2019 this in spite of the fact that my insurance submitted documentation that the check was submitted by ACH on XX/XX/2019! Repeated calls to Lexus Financial have been made by me. I keep being told that they are still processing the claim. On XX/XX/2019 i was informed that the claim has been processed, i called on XX/XX/2019 and was told the claim has not been completed and they could not tell me when i would receive my refund. I will never use this financing company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have no idea who Credit Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have sent a request to Credit Management and demanded a CERTIFICATE OF ASSESSMENT and other information, but they have chosen not to reply. I sent a request to Credit Management via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Credit Management } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency XXXX CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX  XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX  XXXX XXXX {$51.00} 7 ) XXXX XXXX  {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX   {$550.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX  {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 )  XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX  {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}

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 2019-06-21 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: GA

Complaint narrative:
Experian refuse to remove/provide me with the tools they use to investigate error on my credit report. I disputed these items numerous times each and they refuse to remove them

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 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have received multiple telephone calls from Portfolio Recovery regarding an extremely outdated debt. I have asked them to contact me in writing only but they have ignored my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my XXXX  score shows XXXX, but the Equifax Mortgage Solution received a score of XXXX from XXXX. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and Equifax Mortgage Services I was denied a mortgage of which I clearly qualified for prior to the report they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
On XX/XX/XXXX, XXXX charged my account six times ( {$20.00} each time ), and now they are charging {$1.00} today three times. Capital One has locked my charge. I haven't used the card since XX/XX/XXXX when I was in XXXX XXXX, SD at a hotel. My charge card is locked up when I don't use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I will not send that in the mail. I should be able to file a claim online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My checking ( and savings ) account is with CapitalOne 360. 
For the THIRD time my payments have been stopped, cancelled or rejected. Each time, I am fined, by the other end ( the company I made a payment to ), in this case it is XXXX, my electric company and my landlord or management company ( where I live! ). The last time this happened it was my student loans and also my rent payment. In ALL of these scenarios, there was in excess of $ XXXX in my account, so this is NOT an issue of lack of funds. 
In each instance, I used my account number and routing number to make these payments -- NOT a check and NOT my debit card. 

In each instance, I contacted CapitalOne 360 ( these calls are all recorded ). I was provided with a case number by the customer service rep I spoke to and then told to submit an email to the " customer relations '' department. 

In each instance, I did as I was told and submitted an email describing the situation and the fees I incurred. To date, I have received no follow up email, no reply and no assistance. 

Additionally, I was told back at the end XXXX that the issue with using my " ACH '' for payments was resolved and that I would not have problems going forwards making payments. That was false. Instead I have repeatedly experienced payments -- of a very serious nature, including my rent checks -- being returned for NO reason other than bank error. 

This has caused me great distress and numberous fees. The last time, XX/XX/XXXX, I had to spent my day physically going into a CapitalOne location and purchasing a " Certified bank check '' ( which cost me additional money, at {$10.00} PER check ) and then take that check to the management. This has been costly and time consuming and stressful! And it is no fault of mine! 

To date, no reply email with the most recent case number, has been received, nothing is ever done to correct or repair or repay me for the situation that thru no fault of mine, I find myself in. The bank refused to put anything in writing, and declines to assist me in any way other than giving me a " case number ''. And that leads me nowhere ... 

Please contact me for additional information, bank accounts, screenshots from both mobile and desktop supporting my experiences and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: OH

Complaint narrative:
Company stated it mailed out validation. 
To what address was it mailed to. 
Please provide the XXXX XXXX receipt of the address and signature receipt. 

Please provide the signed legal contract stating I owe this debt.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
So the complaint is against Caine and Weiner. I have sent over proof that I don't owe the debt amount of debt that they are trying to collect on. I a m being charged for a apartment that XXXX XXXX had had wrongfully accuse me of leaving a dirty apartment and for 3 months back rent. I have sent over proof that I don't owe the debt and they said that they have sent the information back to the original debtor so as to adjust the debt. Its been a month and I have gotten nowhere. I have worked with the boss a mr. XXXX and he is no help at all. Submitted below is copy of the lease as well as pictures of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When asked whether or not my personal data stored at Equifax was compromised in the security breach of XXXX, Equifax refused to give an answer. I supplied my name, address, date of birth, and SSN with my request as per FCRA rules. Equifax 's refusal demanded both proof of identity and proof of address as a precondition to accessing my file. 

15 U.S.C 1681g entitles consumers access to their own files. The conditions of disclosure are written in 1681h, which requires " that the consumer furnish proper identification. '' The FTC has determined that an SSN constitutes " proper identification '' ( https : //www.consumer.ftc.govXXXX XXXX 

According to my records the fax number for Equifax is ( XXXX ) XXXX. I tried to transmit a fax to that number and their fax machine refused, which caused the error " connection refused '' to be reported back to me. This problem has increased my cost of correspondence, as I had to post a letter. 

Equifax breached its obligations under 15 U.S.C 1681g when they denied my access request. The denial is therefore legally actionable. Please act to bring Equifax into legal compliance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
About a year ago I opened a credit card with Mattress firm/ Synchrony Bank and signed up because they offered no interest for four years and a low payment of {$48.00} a month. I paid more than the minimum several times and did fall behind due to car issues that took priory. 

Last month they closed my account on my credit which hurt my credit and per my credit I was always on time with Synchrony and paying down the balance to show I had more credit available. I did not know they closed it till I received a credit alert from XXXX   that my credit had changed. I contacted Synchrony and at first they could not tell me but after I expressed my frustration they were able to " find the letter they sent me '' and it stated due to my credit they decided to close my account, even though I was never late according to my credit report. It is in their contract that they will monitor your credit and have the ability to close the account if they wish. If i would have known they were monitoring my credit when I signed up, I would have never accepted the terms. 

Currently I owe them for my XXXX payment and they continue to call me 5-6 times a day, sometimes leaving multiple voicemails. I intend to pay next week with my pay check and let them know they are to stop calling me. But I feel it is a form of harassment and deceptive practices. 

They are quick to grant you the fiance then are quick to close it which does nothing but hurt the consumer. I will never sign up with a Synchony bank provider and it is sad because there are a lot of companies who use this provider to service their finance.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, after several attempts to try and resolve the many problems I was having with XXXX, in which they made several promises to me, that included compensation to my bill for their ineptitude, I ended our business relationship and went to another provider. They sent my remaining bill to collections, and it reflected on my credit report for several years before it appeared to drop off. In late XX/XX/XXXX, I noticed a new discrepancy on my credit report for {$460.00} from Waypoint Resource Group, who was reporting on behalf of XXXX, but they reported as a new debt. I contacted both Waypoint and XXXX to offer a payout of {$200.00}, but neither company was willing to accept. I did explain to both that I had ample grounds to make a complaint with the proper authorities, and I would do so if we could not come to an agreement. Here is my first complaint to the CFPB. I am also waging a complaint with the AG in my state, and I will be disputing this zombie debt with all three credit reporting agencies as having been improperly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I received an email on XX/XX/2019 from FedLoan Servicing, FedLoan Servicing, XXXX. XXXX   XXXX, XXXX, PA XXXX, and they were informing me that XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX South Carolina, XXXX informed them as of 2 days ago that I was receiving aid and attending their school when They Are NOT even on my fasfa, and I was never enrolled because I was denied aid. According to the email the school went around that and still tried to steal funds and falsify my attendance. I received notice that I was enrolled via FedLoan when the school informed me I could not enroll due to the denial of aid via email. A man by the name of XXXX told me this via the XXXX whom worked for the financial aid office. Fed Loan and the School falsified aid and facilitated aid when the school was never on my fasfa to even pull aid or contact Fed Loan.

Company response to consumer: Closed with non-monetary relief