vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.

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 2020-07-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Fraud incident with-out resolution CFPB incident no XXXX PayPal was payment acceptor for goods or services XXXX XXXX XXXX XXXX WAS THE FRAUDULENT MERCHANT XXXX. This Incident was reported to The United States Government Postal Inspectors Generals Offices whom did a combined investigation with the Local XXXX XXXX  Post Office incident No XXXX. Upon further review of investigation. XXXX XXXX Contacted me VIA cell phone to inform me that my transaction was a fraud scam these individuals stole other peoples tracking numbers- gave me some one else number which shows an item was sent to my City but not my address nor was it the item I paid for. I live at XXXX XXXX XXXX. The item was sent to XXXX XXXX XXXX. 

Investigation conclusions- The Merchant PayPal conducted business with was a fraud according to the United States Government Inspector Generals Office and Local XXXX Post office

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CR COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CR COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2020-07-22 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
This complaint is about Synchrony Bank and PayPal which used my credit report without my consent. What occurred is that Synchrony Bank indicated that they could not approve my PayPal account because it was not accessible, but after setting up payments for my daughters to pay two of her accounts which was XXXX XXXX and XXXX off in XXXX of XXXX Synchrony got access to my credit report then without my consent and added this account to my report in XXXX of XXXX. What occurred in XXXX and XXXX of XXXX XXXX requested for me to uploaded my DL and SSN because they claim something was wrong with my account which I did upload both of my DL and SSN number on their site through their resolution center. All this occurred and I just realize what all three companies did after my daughter applied for an apartment in XXXX of XXXX, which I set up payments for both my daughter 's account to be paid off for XXXX XXXX and XXXX. Not once did PayPal said anything about transferring an account to Synchrony Bank until I realize it was on my credit report.PayPal that issued my account was through XXXX XXXX  and the base of the company was in XXXX XXXX California and XXXX Nebraska. After repeatedly asking XXXX how the use the information to come up with their investigation XXXX refused to give me the information and still have not received the information to this day. Now Synchrony Bank has just transferred this account on XX/XX/XXXX, to a new account but the other access to the statements I do not know what the account number is and never has known what the account was on the statements from XXXX of XXXX until XXXX of XXXX, which I think the account was actually in my daughter 's SSN. PayPal did this back in XXXX, in which a police report was filed back then someone opens a fraudulent account back the report number XXXXSo after PayPal requested my information in XXXX and XXXX of XXXX I filed another police report again in this same matter XXXX. This complaint is about XXXX XXXX, XXXX, and Synchrony Bank. This has been a 19 years process when I worked for XXXX XXXX XXXX after being laid off for a week I went back to work with my daughter 's SSN in the credit bureaus and changed at the Internal Revenue Service downtown XXXX XXXX XXXX XXXX XXXX Texas XXXX. Now XXXX has sent out 4 letters that I am not in their system. Now XXXX stated they can not find me in their system either. XXXX  sent out a letter in XXXX stating that there is no report found for me. On this day of XX/XX/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 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Yamaha Motor Finance Corporation USA
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a Yamaha Jet Ski from XXXX XXXX  XXXX XXXX   in XXXX, Ohio. They arranged financing through XXXX XXXX which was serviced by XXXX XXXX Therefore, the Title to the Jet Ski in the State of Ohio has a lien against from XXXX XXXX. In XXXX of XXXX, Yamaha Financing took over the Loan from XXXX XXXX. On XX/XX/XXXX I paid off Jet Ski with a final Lump sum payment of {$6600.00}. At that time, Yamaha Financing who I made final payment too, told me it would take 15-30 business days to send me the title. Since that time frame expired, around XX/XX/XXXX have been making multiple phone calls to Yamaha Financing and XXXX XXXX. Yamaha Financing continues to repeat they are waiting for " title '' from XXXX XXXX, XXXX XXXX says everything was transferred to Yamaha Financing in XXXX of XXXX. By my count we are at 60 Business Days since I made final payment, I feel I should have my title by now, I do not understand how Yamaha Financing can take my final payment of {$6600.00} while XXXX XXXX still has a Lien against title. Or how XXXX XXXX can still have a lien against my Title if they transferred everything to Yamaha Financing in XXXX of XXXX. Do I have any legal rights as far as getting the Lien removed in a timely fashion after making final payment coming up on 3 months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Someone applied for a credit in my name from Capital One XXXX. I called immediately to report this as fraud and FYI credit bureaus have it documented that my fraudelent for my credit report. I have called more than 3 dozens times for Capital One and XXXX to have this corrected and they will not done this. I have sent the documentation that they were wanting not once, not twice but 3 times and this situation still in not corrected. I have filed disputes with XXXX and they open it open and closed with this no explanation on why. I have talk to supervisors to get this corrected and nothing. I had this happen 2 times on XXXX and XXXX just in the last 2 weeks XXXX   remove the Hard Inquiry for XXXX but not for XXXX. I have been working on this almost a year nothing. I have contacted my attorney. My husband and I are trying to refinance on our house and have been working on this since XXXX of last year and cant get a loan because of this 2 hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I'm simply trying to contact PrimeLending through the site they have assigned us which is https :  //primelending.loanadministration.com/Login There's NO CONTACT US number , email, form, or chat once logged into the site. I see no phone number ANYWHERE for customer service, and I have questions about my payoff. I have to provide this information to refinance, and I find this to be PrimeLending 's way of preventing people from calling about their payoff so they can go somewhere else. I feel captive by this company and want to get out of it. I have no idea who to contact, no information of the previous loan officer, and if I WAS going to be late on my payment or have issues with Covid, I have NO IDEA how I would get a hold of either a live person or even a form to fill out to contact them or receive contact from them. I'm at a loss, and they need to fix this. I believe they HAVE to clearly have a location where clients can feel that they have FAQ 's or ways of contacting. At the minimum there should be a place on their site for me to easily order a payoff like you can on XXXX or XXXX. For a company as large as them, I feel this is by intention, not by accident and I feel this is aproblem that needs addressed right away. 

I can't even get my full account # on the site, because it doesn't show it anywhere on the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and SYNCB/CARECR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2020-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation