vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I, XXXX XXXX XXXX XXXX engaged in a " consumer credit transaction '' with my " credit card '' that was issued to me by the " credit card issuer '' - Social Security Administration-pursuant to ( 16 CFR 433.1 ( h ) ) with XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital in which a " Finance Charge '' was involved that is stated on the " consumer credit contract/purchase money loan '' pursuant to ( 16 CFR 433.1 ( i ) ) and ( 16 CFR 433.1 ( d ) ). During the transaction the dealership representative in the sales department was using violent sales tactics and inappropriate language by saying " I needed to register my vehicle with the state and pay the first payment on time to perfect the lien '' so the dealership would not be responsible for the payments. Also, the sales representative said if I do not do such a thing XXXX XXXX XXXX XXXX XXXX XXXX would come and repossess/steal my vehicle. Second, the sales rep said " if I did not verbally agree with him about " perfecting lien '', " he would not sell me the vehicle. '' Furthermore, after reviewing the contract I have found an abundance of fraud within the consumer credit contract/purchase money loan and lack of Material disclosures. 
Pursuant to section 12 CFR 1026.15 ( a ) ( 3 ) and pursuant to the Truth in lending Act and Regulation Z ( 12 CFR 1026 ). The material disclosures that the sales manager said I do not have right to, because it's only for " mortgages '', is my " right of rescission '' disclosure pursuant to ( 15 USC 1635 ) ( 12 CFR 1026.15 ) my " right to reject the arbitration agreement '' and the fact that the transaction was on a " open-end credit plan pursuant to ( 12 CFR 1026.5 ( 1 ) ( A ) ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I applied for an apple credit card with Goldman Sachs Bank and was emailed an adverse action letter. I sent out two letters, and spoke to someone on the apple chat telling them the problem and how I felt like I was discriminated against due to my application and exercising my rights as a federally protected consumer and was told " discrimination does not work like that ''. I felt like the person I was chatting with was basically talking to me as if I didn't know the Law and my Consumer Rights. My credit was also ran twice which resulted in two inquiries and I only applied once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: MD

Complaint narrative:
Portfolio Recovery has called me repeatedly via telephone even after I placed my contact number on the do not disturb list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
On XX/XX/2021, I called my mortgage company and talked to XXXX ( employee # XXXX ) in the mortgage department who transferred me to XXXX XXXX employee # XXXX ) in the tax department at US Bank. I shared with both of them how I received a mortgage bill for {$3300.00} when my mortgage is supposed to be {$3100.00}. I asked them to explain to me why my fixed mortgage had increased and was told that my property tax was adjusted and there was not enough money in my escrow to cover it so they added it to my bill. I shared that I specifically called the tax department on XX/XX/2021 and talked to an agent ( on a recorded call ) that told me that not only was my XXXX tax bill paid but that I had {$990.00} left over in my escrow account. So, to now receive an increased bill is not only shocking but it is in opposition to what they told me was in my account. I asked to speak to a manager and have them pull the record- and both XXXX and XXXX confirmed that they see in the notes that an agent told me this information but this was in error. I shared that this is unacceptable. I should be able to trust my mortgage company has properly calculated my mortgage and taxes and when I call them to inquire on this information ( because they had not sent me any documentation that my escrow account was depleted ), they should have accurately reported the balance. This comes across as predatory to just increase my mortgage and the only explanation is that the agent was wrong.

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 2021-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint : ( XXXX/XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Experian must remove all information reporting from and relating to ( SYNCB/SMRTCN ) including third party debt collection accounts associated with ( SYNCB/SMRTCN ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX/XXXX Experian Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/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 2021-11-08 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: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: NV

Complaint narrative:
I took out a loan on a XXXXXXXX XXXX back in XXXX I contacted Titlemax and let them know I had lost my job and was unable to pay. I offered them the car in lieu of paying off the loan. Shortly thereafter a tow truck came by and took the car. I figured the issue was done and now almost 4 years later I am getting repeated calls from various numbers on my personal cell phone with an automated message to call Titlemax back or press 1. I have pressed 1 on one occasion and was transferred to a rep that started asking me all kinds of personal info, as if they had no idea who I was. They proceeded to tell me I owe an extreme amount of money and they told me that I still owe them regardless if the car was taken or not. I told them I would do my research and call them back, and proceeded to call local tow yards and police department. Various searches for the VIN and License plate show that the vehicle is nowhere to be found. So now I'm out my vehicle and Titlemax is demanding their money. It has been way too long and I'm pretty sure they screwed up somewhere and don't realize they have my vehicle. 

I would like them to double check their records and leave me alone, since they took my car and per their agreement them having the collateral ends the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : CAPITAL ONE XXXX Balance Owed : {$1100.00} ; CAPITAL ONE XXXX Balance Owed : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Reviewed my credit report and I noticed that capital one has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXXaccount status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness Capital one had furnished inaccurate information this information has not been validated after requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I should only have two addresses on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021, I received a loan from Synchrony in the amount of {$680.00} to purchase furniture at, Rooms To Go. I was informed by Synchrony bank that a credit card with account number would come to me by U.S. mail with in 14 days, No card has come and unable to pay this debit or past debits for past times. Total owed Synchrony bank is just over {$1000.00}, however late charges are coming simple for lack of Account number needed to make a payment. The reason I never finish making my loan made back 5 years past is for the same reason. Late charges at that time were greater than principle owed. 
I live on a fix income and able to all the owed money except for Synchrony bank. My fear is that late charges again will grow simple for the fact Synchrony Back has not provided account number in order to make payments to them. 
My last attempt was today when my payment is due. My, account number has failed to come by U.S. Mail, all attempts to make a payment has failed for this very reason. Other than sue Synchrony bank, I feel it is best to report them for unfair banking practice. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian constantly reports incorrect information on my report. It is always late with accurate reporting and there is no reason for my credit to consistently drop an average of XXXX points a month, only with experian. Is there anyway to hold Experian accountable for this constant inaccuracy? The only thing that seems to have caused this is when I got rid of Experian 's product, which was the boost. This can not be a normal business practice for someone that has an excellent payment history and utilizes barely any credit.

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 2021-11-08 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, EXETER FINANCE, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor remove this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
After I opened a crypto trading account with Coinbase Inc. and purchase crypto coins from this company, about a few days later I noticed that around the equivalent of {$2000.00} were missing from my account. 
I immediately tried to contact the company and after several times and emails I was told that my account was hacked and the funds were sent to an external account and that my money cant be recovered. 
There are many complaints against this company from many consumers for the same issue. 
I believe it was an inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I should only have two addresses on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX 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 2021-11-08 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: TX

Complaint narrative:
I should only have two addresses on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX 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 2021-11-08 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: PA

Complaint narrative:
Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for equifax.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: PA

Complaint narrative:
Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXX.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting

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 2021-11-08 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: TX

Complaint narrative:
Complaint : ( XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b XXXX 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed these items several times and also I have reported XXXX XXXXXXXX to the Nation Credit Union Administration also I will be making an OCC complaint followed by and Attorney General Complaint if I am unsuccessful with remedy this time.

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