vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
Ability Recovery is a debt collection agency reporting illegally to the bureaus under their own name which is illegal on a MA Consumer credit report. MA state law says that an account may only be reported by the original creditor ( law below for your records ). They have been informed of their illegal activity via certified mail three times. They have failed to reply to take action for removal. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written  authorization from the creditor, report to a consumer reporting agency in the creditors name.

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 2018-10-09 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: FC HoldCo LLC
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2018-10-09 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-09 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Richard T. Smith, PC dba Smith Cavin & Corbin, LLC
State: PA

Complaint narrative:
Closing Date. XX/XX/18 Settlement Agent. Smith Cavin & Corbin , LLC File # XXXX Property. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Seller : XXXX XXXX XXXX I'm filing a complaint regrading the monies awarded to the realtors by the settlement agent. Each realtor was to receive {$3100.00} according to the Closing Disclosure and a verbal agreement. Instead the realtors, XXXX and XXXX XXXX XXXX received {$6300.00} each. We tried contacting the parties involved but haven't received a response. We agreed to 6 % commission to be devided between the two realtors. At closing the settlement agent changed the amount agreed upon without our knowledge. Neither a final Closing Disclosure or an admendment were forward to us.The settlement agent also informed us that we didn't have to be present at closing. My mother recently relocated to Delaware due to medical conditions. I would appreciate CFPB looking in this serious matter. Thank you. 


Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp.
State: NY

Complaint narrative:
I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXX and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and XXXX XXXX has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
On XX/XX/2018, I applied and received a short term loan from BigPictureLoans.com in the amount of {$1000.00}. 
On XX/XX/2018, I called XXXX to pay the loan off. Because it was within their so-called grace period, I was quoted {$1000.00} as the payoff. I was told the conversation was being recorded. They were to debit my bank checking account as of XX/XX/2018. 
I checked my account several times and the monies had not been debited. 
On XX/XX/2018, I called to inquire why it hadnt paid off yet. I was told that my recording of payoff on XX/XX/2018 was recorded with an incorrect date. They informed me that they tried to contact me of the error. My phone records and voice mails show no such effort to contact me. 
I said no matter, I called on XX/XX/XXXX and the payment should be honored. XXXX XXXX loans said no and my new payoff was with interest. I asked to speak to the customer reps. Supervisor. A lady named XXXX claimed she was a supervisor, though, I doubted she was. I insisted she send my complaint to her supervisors and she informed me that someone would call me for sure, the next day. No one called. 
My husband didnt trust them and told me to go online to make the payoff even though I would have to pay interest AND we would have a paper trail. 
On XXXX at XXXX I requested a payoff on their website. THE ONLY OPTION I WAS GIVEN WAS A PAYOFF DATE OF XX/XX/XXXX!!! So I requested payoff on XXXX, yet, no option online unless I paid more interest until they deemed ok to payoff on XX/XX/2018, a full several days later. Myhusband told me to pay because they will keep screwing us, so I did. 
These people prey on people. I am a XXXX XXXX who is struggling to keep clean. They count on that. Their practices are deceitful and leave very little recourse in dealing with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi I applied for a Walmart credit card and I input all my information correctly and was put on hold for awhile and synchrony bank didnt give me a reason why my application is put on hold or contact me to verfify that I applied for the card all they told me is that I have to wait for a letter that coming in 7-10 days I was told at the end of the application is to call the bank and tell them I applied and the supervisor is giving me a XXXX response and my credit report was pulled and I had applied in the past with synchrony bank and they keep giving the run arounds and made to fax and notrize documents and I didnt get a final decision 40 days later with another credit card ... ... my Walmart credit application number is XXXX and I want some answers this is why I voted for XXXX ... .... we need american call centers ... ..

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 2018-10-09 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from Pentagon Fcu from XX/XX/18 that I applied for an credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2018-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I settled this with XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from XXXX/LOWES on XX/XX/XXXX & XXXX on XX/XX/XXXX that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I do not have any means of applying for any credit cards as I can not afford any more debt. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: TX

Complaint narrative:
I filed a complaint XXXX about the practices of XXXX XXXX   XXXX with the cfpb about their failure to return funds due my late brothers estate. In response their agent Mr. XXXX XXXX stated on XX/XX/2018 that a check, which I've yet to receive would be mailed to me on XX/XX/2018. I've tried call to no avail and am tried of this company giving me grief about this money not to mention that the amount they stated as due did not include funds held in the mortgage escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I settled this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law

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 2018-10-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from CHASE CARD on XX/XX/18 that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: GA

Complaint narrative:
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX received payment in full for {$540.00}, XXXX XXXX XXXX has no right to attempt to collect it again ; and your verification method is in error ... I contacted original creditor and was told that they did not verify this paid debt as being owed to anyone ... and they said you are probably using e-oscar which often report false or settled accounts ... litigation will follow, if it isn't corrected ... F.C.R.A. law has been violated

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 2018-10-09 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: IL

Complaint narrative:
Dear XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft or fraud. 
Account : XXXXXXXX XXXX # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. According to the FCRA the credit reporting agency has 4days to block a identity theft account. Please review ID theft report and FCRA guidelines sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp.
State: NY

Complaint narrative:
I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXXXXXX  and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and Turner Acceptance has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Two inquiries from XXXX, XXXX XXXX and XXXX, showed up on my Equifax credit report on XX/XX/XXXX18 and XX/XX/XXXX18, I have not requested credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Clarity Services
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from CLARITY SERVICES INC on  XX/XX/16 that I applied for a loan. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any loans and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
XX/XX/XXXX paid {$2500.00} to finance XXXX XXXX XXXX ... this financial company work with individuals with bad credit or low income. The cars are old and have high mileage ... my car keep overheating and stalling. It been in shop for almost a month now. The finance of course still want me to pay loan. Im willing to keep paying if they can help me negotiate some type of solution so i can stay on road and be able to get to work. I still owe {$4900.00} on a car that only worth XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: MO

Complaint narrative:
On XX/XX/2018, I received an email saying that I was approved for a loan from {$1500.00} to {$5000.00}. So I replied to the email. The first person I talk to said his name was XXXX and he works for XXXX XXXXXXXX XXXX. He ask for my account # my routing # and my social security number. I gave it to him. He also said that a loan officer would contact me. Which a person did. The loan officer told me I was approve for {$2000.00} with an 10 % interest rate. Im thinking ok cool. So after that, I received an email with documents saying the amount I was approved for, the interest rate, the loan reference # and my name on these documents. It seemed legit to me. Until I search the net and found out they have been scamming for years. These are the two numbers I was provided XXXX XXXX. Please stop the criminals

Company response to consumer: Closed with explanation