vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called CREDIT CONTROL LLC. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking $ XXXXon the XXXX of each month i made 3 payments then i get this letter from XXXX XXXX XXXX who says i owe {$1800.00} i have disputed this many times sent the documents

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These companies Transunion, XXXX, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless

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 2021-06-26 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I would like to file a complaint against the collector Affirm for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Affirm to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: FC HoldCo LLC
State: GA

Complaint narrative:
1 ) On XX/XX/2021 I sent the attached debt violation letter to Flagship Credit Acceptance pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in FullXXXX XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

Flagship Credit Acceptance is in violation of 15 USC 1692 for the following acts : Flagship Credit committed fraud by ignoring the cease and desist.

Flagship Credit Acceptance failed to provide the amount of the alleged debt.

Flagship Credit Acceptance failed to provide the name and address of the original creditor. 
Flagship Credit Acceptance continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
Flagship committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.

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 2021-06-26 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: FL

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a account with Bank of America back in 2018. I didnt know I had a outstanding balance. I took care of that balance and then some in FULL. Now I AM having trouble opening a new account ANYWHERE and it is very discouraging. I am a XXXX just waiting to open a account to put and save my money. I have paid what was owed as I do not want that on my record. I need a chance to open a new account and start fresh. Please help me fix this so I am able to move forward in my financial life. I do not owe any financial institution. 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 2021-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: AK

Complaint narrative:
ON XX/XX/XXXX I CONTACTED GM FINANICAL BECAUSE MYSELF AND HUSBAND NOTICED WE HAD A LATE PAYMENT SHOWING ON OUR CREDIT REPORTS FOR XX/XX/XXXX. 

I WAS INFORMED THAT IT WAS INCORRECT AND IT WAS A DEFERRED PAYMENT AND SHOULD NOT BE SHOWING A LATE PAYMENT. IT WOULD BE UPDATED IN ABOUT 30 - 45 DAYS. 

XX/XX/XXXX IS STILL SHOWING AS A LATE PAYMENT. I HAVE REACHED BACK OUT TO GM FINANICAL AND DISPUTED IT WITH THE 3 CREDIT BUREAUS AND IT STILL HAS NOT BEEN UPDATED. 

I ALSO SENT A FOLLOW UP EMAIL TO XXXX XXXX FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE YET TO HEAR ANYTHING BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These companies XXXX, XXXX, Equifax Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These companies XXXX, Experian, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless

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 2021-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
To whom it may concern, I'm with Lakeview loan care. It has been nothing but problems since they bought my loan. For some reason, there is always a payment issue. They failed to pay my 2020 taxes which cause my county to send me a letter requesting money and stating the possibility of adding a lean-to my house. Also, after refinancing my house back in XXXX last year, the closing department kept my escrow money in a separate account collecting interest. For that reason, my escrow accounts hard a shortage and cause Lakeview to plan to raise my mortgage due to no fault of mine. My county returned the tax money back to Lakeview, but they still told me that I have a shortage, after receiving the money back from the tax collector. I strongly believe that Lakeview loan care is careless and not properly taking care of the customer and needs to be audited. My escrow money was missing for 8 months and no one was able to tell me where that money was. Because of the poor service, I had to refinance my home with a new company 8 months later. I believe that I'm in the title for whatever interest that Lakeview accumulated from my escrow account for placing it in a different account and not placing it in my new loan account. I believe this company needs to audit and shut down for trying to take money away from customers. Please and please audit this company. I strongly believe that they are frauding people and I like to get my money 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 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or around XX/XX/2020 I sent in a dispute with Capital One. Never received a response I also contacted the bureaus disputing what they did all they did was charge it off and not address my dispute. I reached out the bureaus and was told it was validated by capital one. I told them if it was validated why havent I received any notification of the investigation because it was no investigation. How can you validate a debt only the consumer can validate the debt. I have been addressing capital one as well as the bureaus and have been getting the run around they have violated my consumer rights and injured me multiple times! it should be deleted no charged off. 
The statement I received did not validate the debt it just confirmed we had a relationship in the past. 
15 USC 1692G states a debt collector is required by law to send me notice of debts with the 5 requirements No signature or contract was mentioned in this law. 15 USC 1692g This debt was never validated because they cant validate, all they did by sending me the paperwork ( saved me work ) they proved it was a credit transaction and who the original creditor is and in fact if it was a credit transaction that means everybody was credited and there should be no attempt to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: WI

Complaint narrative:
I have had this car loan since spring of XXXX. I have made every payment before it was due except one month missed and partial payment one month a year ago. I was told that due to the pandemic they understood and it wouldnt affect me in a negative way. My billing due date is the XXXX of each month. On Friday XX/XX/XXXX ( my birthday ) I went to leave to make the payment and my car was gone. They said they repossessed it because I was 90 days past due. I called and made a payment of {$1000.00} ( over {$700.00} in random fees not put towards my loan ) plus the fees at the towing company to get my car back and cooperated with paperwork and they still put 2 months deferral on the back of it. I checked my credit report for an apartment application and they have me as not paid every month for the entire last year. I went on the GLS website to print my payment history and even for XX/XX/XXXX it still said past due after I had given them everything they asked for! Because the phone rep didnt charge me an extra penny they reported an outstanding balance. Nobody told me this was affecting my credit. All I want is for my credit reports to reflect all of the months that I paid and that it was before the due date. This loan has demolished my credit score and is affecting me being able to even rent an apartment. I already knew the interest was high but after doing my research this company has a habit of giving consumers such as myself false information about loans, putting most of the payment towards the interest not the loan, and then reporting it negative to repossess and resell the cars at action and still request payment from the lendee. This company is a scam and I would like to have my credit reports show every month that a payment was made as in good standing. 1 1/2 missed payments during a pandemic is NOT a reason to sabatoge someone whos consistently paid the bill. I have disputed the negative marks with all three major credit reporting companies. I have filed a complaint with the XXXX XXXX XXXX. I am stuck in this loan now because they hurt my credit but I will contact as many people as needed to get this resolved. I can not be homeless over a car loan that I paid. It is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CA

Complaint narrative:
I am sending this complaint because Equifax is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 


Equifax must stop reporting this account as soon as possible. 

Please see attached proof of case won.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

XXXX XXXX XXXX  is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX  failed to provide the name and address of the original creditor.

XXXX XXXX XXXX  continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to Transunion, XXXX and 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 non-monetary relief
Consumer complaint received 2021-06-26 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: GA

Complaint narrative:
1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received.

XXXX XXXX XXXX is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX failed to provide the name and address of the original creditor.

XXXX XXXX XXXX continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX  committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Ally Financial modified a loan without my consent. I have contacted customer relations several times with no success. Ally Financial, although they agree to reinstate my original contract per their letter sent to me on XX/XX/2021, after talking to representative XXXX XXXX he states that only partial of the contract can be reinstated in the amount of {$290.00} after questioning why, he did not have a clear answer. I find this to be unacceptable and will continue to wait for Ally to do the right thing.

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 2021-06-26 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I would like to file a complaint against the collector Portfolio Recovery Associates, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Portfolio Recovery Associates, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have been trying to restart my mortgage payment with Axos Bank and I am unable to speak to anyone with accurate information. I have received a letter of Acceleration from the bank despite my effort over the past twelve month to communicate with Axos Bank regarding my Mortgage.

Company response to consumer: Closed with explanation