vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: MO

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making navy federal aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from navy federal to XXXX XXXX yet Navy Federal denies credit to the the person that extended credit. Upon social account number and my signature pen on that application navy federal used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent two letters specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NY

Complaint narrative:
Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!

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 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Wayfair/ Comenity Bank failed to process my payment which was mailed to them 20 days prior to my due date. I ended up having to make my payment over the phone after realizing they never processed my payment.

I had a late fee of {$40.00} applied and asked that this be waived. The account was paid in full. Wayfair clearly had a delay with processing mailed payments and they even claimed that due to covid it can take longer to process mail payments. 

This is unacceptable and my late fee needs to be refunded to me. There is a {$40.00} late fee to an account that has an interest fee of {$7.00} and this account had been paid in full based of the payoff balance provided by the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery said that they completed their investigation and have prove that this debt is mine, however, having a statement from the company in my name does not prove that i opened it, as i stated before, this was opened with in my name without my knowledge. This is my last request for this company to leave me alone, i will be speaking with a courts clerk going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I Have requested a conditional lean release from Shellpoint Mortgage on my Mobilehome property to close a sale, initial request was made XX/XX/2021. Information has not been provided after several calls made to Shellpoint and talking to at least six different contacts. The sale of my home is in serious jeopardy as Shellpoint has failed to comply. This matter needs to be addressed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I tried to apply online. I could not log into account. In XXXX I started the loan process but did not complete it. On XX/XX/XXXX, I called in about the issue. I was told they did a business review of my account and they would not do business with me. I requested a reason why and I was informed that they would not tell me why. I told XXXX that I had a right to know the reason. I offered to provide a updated address to send the reason to me via letter. She still refused to give a reason. I requested to speak to a supervisor and I was informed one was not available. I have the right to know the reason and to know if they are circulating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
When I was trying to get a pre approval to buy a new home, I discovered that XXXX ( The servicer of the loan ) had reported me late, IN FORBEARANCE, after I had paid off the loan. I had never missed a payment. I have called the company multiple times and they provided me with information confirming that I have never missed a payment and that I was in forbearance but they are unwilling to provide letterhead that this was their error ( an error that also violates the SAFE act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
XX/XX/21 : Electronic transfer of {$1900.00} to a closed Dick 's card account managed by Synchrony. This was my mistake, I meant to pay XXXX. This is a lot of money for me, I need it. 

XX/XX/21 : Called Synchrony and had an extended phone conversation where we established that they could not help me at that number, I would need to contact " Payment Issues Department '' by fax, as they would not give out any email, or phone number for that department. 

XX/XX/21 : A fax explaining what had happened with all requested identifying information was sent to the fax number as requested. 

XX/XX/21 : As of now we have received no response of any type from this fax. 

It appears to me that they have my {$1900.00}, and are trying not to pay it back promptly, even though I have made every effort to communication clearly, and they were able to find the closed account in the computer.

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 2021-09-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I purchased an order from Sams club on XX/XX/2021 and received the order today XX/XX/2021 but, I did not receive the " whole '' order, only a partial order. I ordered two bags of crunchy XXXXXXXX, and ordered " three '' bags of XXXX XXXX but, only received " two '' bags, on delivery, ( see attachments ). I was suppose to receive " 5 '' bags total, not " 4 '' .Order # XXXX. 

I tried to call a number to speak to someone about the issue to no avail. I could not understand the XXXX on the phone, they could not speak XXXX  XXXX too well. I tried to call Synchrony Bank Corporate headquarters, but was sent back to the XXXX who I could not understand speaking, so I could not get the issue resolved. I want a refund or a replacement, period.

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 2021-09-24 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: CA

Complaint narrative:
Please remove all these fraudulent inquiries from my credit report. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-24 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: IL

Complaint narrative:
To whom it may concern : Please accept this letter as my follow-up to my telephone conversation on Friday XX/XX/2021, with a fraud dispute representative with Experian. This is my formal credit dispute letter along with a copy of my Police report that was requested. I was a victim of identity theft. Please be advised that the following accounts on my credit report have been disputed before, but today I am including a Police report to have these accounts removed from my Experian credit report : XXXX XXXX XXXX. 
XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX I would appreciate if you would investigate this matter and remove them from my credit report. I have disputed these items tirelessly for the last couple years and I am my wits end. XXXX XXXX and XXXX have removed these items already. 

I look forward to a quick resolution to this matter and a written response to this letter. Thank You in advance.

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 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The consumer financial protection bureau claims their on My side but these XXXX XXXX active depot XXXX are harassing me and no one is doing XXXX about it. Man XXXX so XXXX tired of this XXXX you guys are all law breakers and are getting away with but not for long because I will take this matter to the full extent. This XXXX XXXX XXXX scamming company Best Buy and Citibank revived my cease and desist and pretend like it never existed. I the consumer, the natural person has done everything in my power to handle this XXXX situation but these scammers continue to scam with no regards. District court is the next step Im tiered of all your guys bull shot if this matter isnt handled then it is evident the CFPB IS WORKING WITH THESES FINANCIAL INSTITUTIONS TO UNDERMINE THE CONSUMER IN THE BIGGEST CIRCLE OF SCAMS IN AMERICA. Conspiracy against rights 18 usc 241 look at the punishments for these acts and keep playing XXXX. I cant wait to get remedy for the fraud you guys are committing. This game is over

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 2021-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I have made 8 payments of {$280.00} to a loan with a principal balance of {$9400.00}. Of these 8 payments only {$560.00} has been applied to the principal. My interest rate is 27 %. Nowhere in the promissory note does it state that they would be heavily front loading interest payments. I have paid a total of {$2200.00} and 75 % of this amount has gone to interest on an account where my interest rate is 27 %. I have never been late and have never missed a payment. I called the company and they could not explain this to me. I also asked for a call back from a manager and they never called me back. I have screen shots showing how much of each of my payments has been applied to both interest and principal. This is easily predator lending at best. My last payment on XX/XX/21, the full {$280.00} was applied to interest and they could not explain to me why! Nowhere in their promissory note does it state that interest would be front loaded in the beginning and then taper off. Im not even sure that is whats happening since I never received a proper explanation or call back from management. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I purchased a new vehicle and it was brought to my attention I had a collection account. The date of service was for a period of 18-days I was in the hospital in XXXX. My hospital stay and ALL SERVICES were covered 100 % by insurance as indicated by the billing I received within 30 days of my discharge. I pursued trying to get this collection removed. Initially, several phone calls were placed, however, the line was either never answered or it was answered and immediately hung up. Next, several letters were sent certified mail with no confirmation of delivery ( AWA Collection refused to sign for them ). 

This activity lasted a year. In XX/XX/XXXX, I contacted the hospital, as advised by my attorney. Within 72 hours, the hospital was able to confirm the invoice sent to AWA Collection by the medical group that performed the consult was void. All invoices should have been forwarded to my insurance for payment in a timely manner, this invoice was not.

The original creditor provided an account statement that indicated I have zero financial responsibility for this debt. AWA continues to re-report this collection as unpaid on my credit report after providing the reporting agencies with the authorization to remove it, The credit agencies ( XXXX ) removed it from my report only for AWA Collection to change the account number and then placed the collection back on my credit report the day it was removed. Each time they place the collection back on my credit report, especially by changing the account number - IS FRAUD! 

XXXX was contacted. They have concluded the reoccurrence of the AWA Collection is inaccurate, however, they can not stop AWA from placing a new account on my credit report every 30-days after it is removed legally by XXXX. 

Supporting Documents have been uploaded to CFPB via this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/XXXX I first called Hyundai to have them transfer my title over to my local DMV. They sent me an email with information to fill in and was promised at most it would take two weeks for the DMV to receive. Since then I have sent this same email three times and have called XXXX customer service over 10 times by now. I called them this morning ( XX/XX/XXXX ) and was told by an automation I could not be helped and was hung up on. On XX/XX/XXXX, I called twice, where I was told that it would take two weeks for my title request to come through again. At that point it had already been 8 days. I have escalated this with a manager more than once, I call and ask about the status and there is always something that isn't correct or hasn't moved. I have also paid double insurance because my first insurance will not cancel without the transfer of plates, which is the fault of XXXX. I also want to be reimbursed for the XXXX $ it cost me. I have now paid TWO months of double car insurance and would like it to be refunded for both months. I am coming up to my third month of this. I still have had zero progress or help. I was given the incorrect address which the title was sent to, and have still not been able to reach anyone to have my title resent to the correct address.

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