vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I went to finance a vehicle with 112 certified I was told I would get something in my price range of around XXXX I do have XXXX XXXX and did not comprehend the contract from what I understood to be payment of XXXX came out to be XXXX and I spoke with them right away and was told they would stop loan process so they have possession of the car I dont and they knew I could not afford the vehicle after stating they would cancel with the bank now they are trying to push a loan anyway they I could never afford and are trying to scam me I seriously need help they gave me no paper work no receipts or anything and trying force me into paying for used vehicle for almost {$30000.00} I have mortgage for XXXX and only make XXXX a month please I need all the help I can get

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX and TransUnion today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over 80 changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from XXXX and XXXX showing no changes noted. I have yet to receive a report from TransUnion. So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!

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 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello I have always had trouble making payments on this car as the payment is high and Im single and support myself. But I do my very best. I tried in the past to get the amount lowered and they told me no after I submitted the paperwork two years ago proving I struggled to make the minimum payment. However I work in healthcare now and I had covid and have had horrible health issues since. I have been out of work with fevers and can not return per employee health. My XXXX was denied. I have no money coming in. I called a few times to capital one both XXXX and XXXX. XXXX was on hold over an hour so called twice. I cried on the phone with the representative. They know what a horrible situation I am faced with. I am trying to get ahead of this however they would only offer me partial payments or a payment plan. I made it clear that I have no money coming in. I can not pay them right now. I wanted to do put this months payment at the end of the loan. I am terrified of losing my car because I have to get to doctors appointments for my XXXX or the appeal could be denied. The appeal could take 45 days. I wont be getting paid anytime soon. I made this clear to them and they didnt offer me anything other than payment in the next 10 business days and I made sure to call before I was 30 days late on the loan. I am beyond stressed out and very sick. I am looking for a way to make this car payment more affordable and to get back on track. XXXX affected my health greatly and I just want to get everything back together. Thank you for any help you can bring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: LA

Complaint narrative:
I reached out to Equifax several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Equifax.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When I was XXXX XX/XX/2020 I opened up a bank account with bank of America to save my money that I had earned I just wanted to keep my money safe. By XX/XX/2020 my account was hacked, there was transactions and on unauthorized checks being cashed in my account and I was unaware of it .My name was also forced on the back of those checks I did not realize I had lost my debit card until I was getting papers in the mail about this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 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:
XXXX XXXX claims that I have a debt with them. I am disputing this debt with Equifax. Equifax claims to have evidence from the original XXXX XXXX XXXX XXXX that validates the debt. The evidence they have presented in no way validates this debt. It looks like something XXXX made up on their computer and submitted. I could make up the same thing thing on my computer and put Equifaxes name on it. I want to see a signed credit card receipt with my name on it. If they dont have that then I need to see a copy of the credit card agreement between me and XXXX XXXX XXXX. If they dont have that then I need to see the phone records from XXXX XXXX XXXX from when I activated this alleged credit card. There is nothing that validates this debt yet Equfax claims to have proof of debt from original creditor but they refuse to show it to me. What they have presented does not validate this debt in anyway. See the attached document that Equfax has presented as proof of debt validation. I have asked XXXX 4 times ( all 4 times I submitted my request VIA the XXXX SC XXXX ) to validate this debt and they have yet to reply. I sent my first request to XXXX through the XXXX XXXX on XX/XX/XXXX ). The only thing XXXX has sent me is proof that I have not paid them. They have yet to submit the first credit card receipt with my name on it. They have yet to produce the credit card contract or alleged contract. They have showed no proof except for an alleged bill from XXXX XXXX XXXX. I could have made that same thing on my computer and put their names on it. If Equifax has actual proof that validates this debt I want to see it. I did not have a credit Card with XXXX XXXX XXXX in XXXX. I do have an unsecured credit card with XXXX XXXX XXXX but it is in good standing. If they can not produce Credible proof of this alleged debt then I want XXXX ( AKA XXXX XXXX ) trade line removed from my credit report. I have also request debt verification from XXXX through the CFPB and have yet to receive a response. I have attached the last response I received from XXXX XXXX. ( This was not through the XXXX of CFPB ) This was a response to a e-mail I sent them asking for debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: RI

Complaint narrative:
Hi Caine and WEiner COmpany ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: MIDFIRST BANK
State: VA

Complaint narrative:
I received a XXXX  envelope on XXXXand enclosed was a thank you letter for opening an online savings account on XX/XX/21 with Vio Bank. I did not open an account or attempt to open an account with Vio Bank.

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 2021-07-20 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: CA

Complaint narrative:
After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: AL

Complaint narrative:
I checked my credit report Transunion and noticed fraudulent inquiries on there

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 2021-07-20 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$47000.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$43000.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX US SM BUS ADMIN ODA : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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:
Disputed information by Equifax has been reaged by changing the date first reported. I have called to let them know and they say that there is nothing that they can do about it. Information reported is also consistently verified as accurate, such as date of first delinquency, though the dates aren't possibly correct when considering other information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Frost-Arnett Company
State: TN

Complaint narrative:
Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX  mother raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Payward Ventures Inc. dba Kraken
State: WV

Complaint narrative:
The financial company I have been dealing with is Payward Ventures Inc. DBA . Kraken. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX CA XXXX My account access has been blocked since XXXX. I thought it was a login problem. I filed support requests and for months I received automated emails telling me they are working on it. I wrote letters to the company in XXXX but received no response. 
I month ago on their chat help line I was told that my account is locked. No explanation was given. The chat help service says there is nothing they can do. I believe they have closed my account and taken my money. I have tried to contact them through all public means and have received no response. 
I have copies of some of the chats and of their automated emails and the letters I sent. 
Please can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Please remove.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX  and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over XXXX changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from Equifax and XXXX showing no changes noted. I have yet to receive a report from XXXX So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!

Company response to consumer: Closed with explanation