vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
XX/XX/18 i purchased a Used XXXX XXXX from XXXX XXXX for {$19000.00} with a total Finance amount of {$23000.00} with Arivo Acceptance. 11 months into the 72 month contact, i lost my job and my father at the same time. I could not afford this vehicle anymore. I called them and explained, they offered absolutely no solution. I stopped driving the vehicle and requested they pick it up. It sold in auction for {$12000.00} and i had paid them {$5200.00} in payments. The won a civil suit and garnished my check. Taking another {$4300.00} in a matter of a few paychecks. This pushed me to the brink of becoming homeless. I did what i could to get them to stop the garnishment by making an agreement. With COVID, i was unable to meet that agreement and now they have garnished my check again. This could cause me and my family to live on the street. I guess my question is ... .how can any company force  someone to pay {$32000.00} for a vehicle that had a principal balance of {$23000.00}?? I would be in my XXXX month of a 72 month contract as of today. They have no desire to work anything out fairly and i am a victim of contractual law. I have all the documentation and facts to support everything i have written. I take accountability but there were circumstances that caused this to happen. But the reality is, if the contract was still valid, I would have around {$1500.00} left to pay on the principal balance and not even halfway through the contractual term of 72 months!!! Instead, my paychecks are being garnished, crippling my family in a pandemic for an additional {$9000.00} dollars. This is wrong and if it is allowed, i will make it my life goal to make sure this story becomes public knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I received a telephone call on XX/XX/2020 from a debt collector demand payment of {$1200.00} owed to a firm called XXXX, XXXX XXXX Ca. I informed this caller that I had never done business with XXXX and to cease trying to collect a debt I did not owe. 
I then reciveed a demand letter from the debt collector, XXXX XXXX and XXXX, XXXX Ohio, stating that I needed to make this {$1200.00} payment now or they would take further steps to collect this debt. I replied in a letter ; that I never did business with XXXX, that I did not owe XXXX {$1200.00} and asked for documentation for this debt. This debt collector did not provide the documentation, and called again. 
I was finally able to get someone at XXXX to response to my request for assistance and was provided with an invoice dated XX/XX/2020. It was billed to a company named XXXX, without a address, telephone # XXXX XXXX it stated the the payment would deducted from the account on record. I asked or documentation such a signed contract, name of the Account on record, customer contact information. The reply from XXXX was to contact the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by  over XXXX points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by XXXX for improper credit denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a small XXXX of XXXX XXXX consisting of single family homes and duplexs. My total mortgage debt includes XXXX on my primary home and XXXX on a single duplex. No one property will appraise above XXXX to qualify for a new loan yet i have a credit score above XXXX. I am easily covering the combined mortgage debt yet would like to prepare for any financial hardships arising from future unknown covid complications. I carry no debt, no car payments and excellent credit. If I XXXX  a XXXX dollar XXXX XXXX there would be options yet because no single property can attain that equity I seem at a loss. I have been told many times that there is nothing that can be offered and therefore I am posting here, My primary home loan is with Wells Fargo and my investment loan is with XXXX XXXXBoth are located in XXXX, NJ XXXX. It seems very unacceptable when i have clear deeded properties to use for collateral in excess of {>= $1,000,000} dollars and there are no options available including the operator at Consumer Financial Protection Bureau ( CFPB ).

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 2020-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX has made monthly inquiries of my credit from XX/XX/XXXX - XX/XX/XXXX, and as XXXX via XXXX XXXX on XX/XX/XXXX, without my informed consent. I happened to notice it today while perusing my credit report. I want a thorough explanation as to why and how the information has been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AZ

Complaint narrative:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.

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 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX changed the AGE DATE of ( 2 )  debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as XXXX XXXX at that time originally reported his dept to XXXX, XXXX and XXXX. I have disputed these numerous times through XXXX XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
Hello : I opened an account with CashApp mid XX/XX/XXXX as I do not have a bank account. Most of the time everything processes as expected however on XX/XX/XXXX Department of Labor released 20 payments to me in the amounts of 10 payments of {$600.00} and 10 payments of XXXX totaling {$7800.00} all by ACH transfers via direct deposit. I have not received these funds to date. I confirmed my account number on DOL website and have since received future deposits from DOL to my CashApp card. When confirming on the DOL website it does not show you the previous account number so what I did was enter my correct account number. 
I have emailed CashApp as they do not offer any other kind of customer service. Without a response I filed a complaint with the XXXX, then CashApp replied to my email on XX/XX/XXXX requesting I request an ACH trace from DOL and they provide the details on their letterhead. One XX/XX/XXXX I received the letter from DOL showing the money was transferred to CashApp but under a different account number. I do not recognize the account number that the money was sent to it is very different from my account number so I have no idea how this account number was attached to my DOL direct deposits. 
I emailed CashApp the same day XX/XX/XXXX attaching the letter from DOL with all the details CashApp requested and here we are on XX/XX/XXXX and they have not responded, I've sent multiple emails everyday since XX/XX/XXXX and still nothing has been sent back to me, not even a confirmation that they received my letter. 
I have the proof that CashApp requested and I'm in desperate need of my unemployment payments to pay my bills. 

I also sent the DOL letter and a letter I created to CashApp in XXXX XXXX CA via the post office on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}

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 explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}

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 explanation
Consumer complaint received 2020-08-24 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by over 250 points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by Ally for improper credit denial.

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 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
On XXXX XXXX of XXXX I had a fire in my home which displaced 6 people. XXXX XXXX and XXXX adults. XXXX children are XXXX and XXXX adult. Since XX/XX/XXXX we have lived in XXXX XXXX and our coverage with XXXX XXXX is ending XX/XX/XXXX. Freedom Bank ( Freedom Mortgage is where we have our mortgage ) has a check for {$67000.00} to start construction since the end of XXXX and multiple mishaps or miscommunications has made it so now we have lost our contractor. We will be homeless in a month with XXXX kids, I am the only employed person in the home. We do not qualify for government help because I am a XXXX. My husband doesnt qualify for disability but he cant work. There is one income. I am struggling everyday to pay for the lost, replacing clothing and toys and professional and seasonal clothing. This has financially stressed us. There is no movement and no release of money. Im struggling to pay for this life and need to be in my home. I now have to file bankruptcy because of this situation. We have experienced theft and water damage as well due to the mishandling of our claim by XXXX XXXX to our home. We need help. The hardships and impact on my family has been immense emotionally, mentally, and physically. Our entire family and animals were exposed to XXXX  by this as well. Weve been told by our bar rep to settle now to get money to start the construction, but its not enough to cover. XXXX has repeatedly delayed and have handled us carelessly, as well as Freedom. My husband has a XXXX XXXX and my child watched him be XXXX in an XXXX by their mother who thankfully got home in enough from double shifts to cover this disaster financially.

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 2020-08-24 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have sent several letters requesting validation and verification of this debt that is showing on my credit report with Victoria Secret. I only get a response letter stating hen the account was opened and my name. I demand to see a contact or something with my signature or this needs to be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AZ

Complaint narrative:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COurt of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. 
No. XXXX ). 

They refuse to correct information after being provided proof of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
On XX/XX/2020, I mailed a request to validate letter to the collector, HEALTHCARE COLLECTION INC, with certified mail receipt. They had until XX/XX/2020 to reply within the 30 days. I did not receive any response from the collector and therefore submitted a dispute with the three credit bureaus for investigation. Some bureaus deleted the collection due to lack of validation, but others said the collection was verified by the collector. 

To date, I still have not received any validation of the collection debt and am therefore not able to confirm this is in fact my debt to pay. 

The collector, HEALTHCARE COLLECTION INC, has reported two collections on my credit report, neither has been validation. 

Due to the lack of validation, I believe the collections should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian remove credit freeze page has not been working or down for more than 2 weeks. Every-time I visit the page to try and lift a freeze I receive the following error screen : Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

Although I am entering in the correct information with my current pin it continues to show errors no mater if I enter my current address of the past 6 years or my previous address. 

The site needs to be fix if one wants to lift a freeze. I have sent the company several emails but no reply from them as of today XX/XX/2020

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