vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CW Financial
State: NY

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  I received a call from a woman claiming to be from " Crestwood Management Group '' claiming I owe money from 11 years ago from a payday loan I never took. As she threatened court action, she claimed a bank ( which I currently have an account at ) is claiming I owe money. Clearly at this point I realize it's a scam. She refused to repeat her name and finished off with " I'll see you in court ''. The woman was very well spoken and without an accent, she seemed genuine but I suppose that's part of the trick. I've confirmed I have no debt or owe any loans. Someone could have easily fallen for this.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
in XX/XX/XXXX, Chase bought out my lease with XXXX XXXX. There were multiple communications between me, the branch I went to in order to complete the transaction and the title department at Chase which resulted in me submitting the same paperwork each time. I received no more communication from Chase on the matter after the last paperwork I sent in. In XX/XX/XXXX, I tried to trade in the car only to discover that I wasn't able to because Chase still had not filed the lien on the car. When I called, the title department stated that they never received the title from XXXX. I called XXXX and they advised me of the date and confirmed receipt of the release they sent to Chase. They issued a duplicate in XXXX and I confirmed it was received in XXXX from Chase Customer service. I have called several times since then and have not received any movement on the matter. No one will transfer me to the title department but only say that I'll get a call back in 10 days and no one ever calls me or if they do, they don't leave a message. The last excuse I received from customer service was that they are moving the titles department to another state. There is no excuse for taking nearly three years to title a car. Today I received a XXXX XXXX package from Chase asking me to fill out yet ANOTHER title application and have XXXX sign it. This is not possible for me to do as XXXX has closed my account, released the lien to Chase and has sent duplicate titles. I can't call them because I no longer have an account with them and quite frankly, I'm the one who had to reach out to my connections with them in the first place to get you a duplicate title because you wouldn't. I don't want to continue to do the job that Chase should be doing. I've even reached out to people that I know who work there and we still can't seem to get this sorted out. I work in the auto finance industry and we wouldn't be in business if we did stuff like this. I also know there are ways you can get this done without me having to do all the things you've requested. I have been trying for 8 months now to get this resolved and this is the last resort for me. I did not want to have to complain as I have tried to work with Chase many times and often. This is a last resort. My car is sitting in my garage, taking up space, I don't want to put miles on it and I'm paying on a car I'm not using. I need this fixed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my 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 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I received a letter from United Collection Bureau , INC XX/XX/XXXX I sent a debt validation letter via certified mail to UCB, INC XX/XX/XXXX I received a letter stating that XXXX the sister company of UCB, INC now owned the debt ( I was not sent any validation documents at that time ) XX/XX/XXXX I sent a default debt validation letter via certified mail to UCB, INC NO RESPONSE XX/XX/XXXX I sent out a second default debt validation letter via certified mail to UCB, INC NO REPONSE This organization is practicing unfair and deceptive debt collection acts by literally moving the alleged debt around between subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: MD

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX, XXXX XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but crooked auto sales took cash. The Finance charge is suppose to include insurance, but the crooked auto sales made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
I received a form letter with a date stamp of XX/XX/2021 from a law firm/debt collector I do not know and had never been contacted by. The letter is not signed. I received the letter on Friday afternoon, XX/XX/2021, of the holiday weekend. I only had to time to type a letter and send registered mail to the law firm. I do not recognize the credit card company. The letter is threatening and harassing, further more the law firm caused duress by sending the letter the afternoon of a holiday weekend, when no one could be contacted. 
If indeed the letter is correct, and the amount is owed, I made an offer to the law firm of {$10.00} per month as I am on widow 's benefits. 
I am enclosing the form letter from the law firm FarMar Law Group , PC, the envelope with the postal stamp of XX/XX/2021, and my registered letter to the law firm. 
I also sent a fax copy of the letter to the law firm as well. 
I was not afforded 30 days to respond to the threats of a lawsuit. I have never been contacted by FarMar Law Group , PC, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Since XX/XX/2021 I had been receiving calls from a restricted number and in XXXX XXXX I decided to answer. They said they were with Commenity. I told them to stop contacting me and yet since then until today XX/XX/2021 they continue to contact me from a restricted number. Today XX/XX/2021, they called around XXXX and told the representative to not call me again. An hour later I received another restricted call and it was Commenity. I also told that representative that I talked to someone an hour ago and if I was called again from a restricted number that I would file a report and ended the call. 

I have attached screen shots of my call history for the restricted calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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: NC

Complaint narrative:
I recently received a copy of my experian credit report and noticed that there were multiple names, addresses and phone numbers on my credit report that did not belong to me, this appears to be either identity theft or someone else 's name, address and phone merged with my credit file. 

I wrote a letter in XX/XX/2021 and nobody has contacted me back, i called on XX/XX/2021 and spoke with a customer service person and was told i could not have someone elses names and address removed, because its experian policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
U.S Auto sales allowed someone to get a car in my name with their company i have never had any dealings wit this company and i have never had any dealings with the address listed and its really affected my life in the worst way i cant buy a house or a new car because of this incident with this company and every time i call them to address the situation they tell me that they have no knowledge of the account but however the account is on my credit report and the balance is constantly going up as if the person still has the car in their possession. so it still shows open after this situation is supposed to show resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is regarding a significant drop in my score without any evidence that caused it. 

I chatted with XXXX at Experian, who thought I was looking for financial advise and who said that they could not explain the drop. I am not interested in financial advice, I do need an explanation for the drop. As a consumer, I am entitled to know why and as reporters you have a responsibility to be transparent. 

My score dropped 22 points in a week with no hard credit checks. My credit use has remained the same for many months. 
I need an explanation about where this came from, who reported it and why my score dropped 22 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have made MULTIPLE attempts to contact ProCollect within this past year, almost every 30 days - as they are incorrectly reporting a balance owed on my credit report. Ive sent disputes and requested debt validations via certified mail. I have contacted the apartments they CLAIM I owe and provided them with the documentation showing proof that I owe NO BALANCE. Additionally, the amount they claim I owe has been changed which further shows that this is inaccurate and untrue. I even had the Manager at the apartment complex email them the document directly. Ive requested debt validations ; Ive requested for the account to be removed COMPLETELY as it is hindering me and 100 % inaccurate and have only been met with the rudest customer service I have ever received and nasty comments/conversations. This matter needs to be handled immediately. The account needs to be removed completely and a deletion letter needs to be sent to my email 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
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am in the process of recasting my current mortgage. XXXX XXXX/Loancare agreed to accommodate my request and I initiated the process by submitting a {$100000.00} principle payment and completing the documentation required my XXXX XXXX/Loancare. A signed and notarized Agreement for Modification and XXXX was sent via overnight courier on XX/XX/21. The agreement was additionally, uploaded using XXXX XXXX/Loancare 's online document center. XXXX XXXX/Loancare 's instruction letter states that this process may take up to 20 days and will reduce my monthly mortgage payment. 

To date, I have been unable to make contact with anyone in the specific department that handles reamortization. Customer service reps claim to have not received documentation sent via overnight courier with proof of delivery and uploaded documentation submitted through the online document center, also with proof of receipt. 

I have made multiple efforts to get this process back on track through phone calls, e-mails and letters sent via USPS. All attempts have been completely ignored and I am unable to get any kind of status update or timeline on when or if this process XXXX XXXXLoancare agreed to will actually happen. 

At this point, It seems that I have been duped into making a {$100000.00} principle payment and that XXXX XXXX/Loancare has no intention of reducing my mortgage payment as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Frost-Arnett Company
State: IN

Complaint narrative:
I sent a debt validation letter by certified mail to debt collection agency Frost-Arnett I'm XXXX, TN. It was signed for on XX/XX/XXXX by a XXXX XXXX. In this letter I had asked them to not contact me until they could provide this validation, which is also a federal law. I have since received multiple phone calls in attempt to collect the debt- all of which were forwarded to my cell phone through my employer. This means they have not only violated federal law by contacting me after they were asked not to, but they have also been contacting my place of employment after being asked not to. Phone calls have taken place on the following dates and times : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX XXXX @ XXXX I have yet to see a letter confirming validation of this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I was offered an approved loan in the amount of {$1400.00}, with the single requirement that I submit veirfications my stated XXXX income from social security. 

I submitted my income verifications that I received from social security. 

The company then denied my already approved loan because a portion of my stated income amount is social security benefits that I receive for my minor children. The company stated that I was now being denied credit because " my income could not be verified because the income verifications I provided are not for my income and they can not use another person 's income. '' When I told the company that this income is MY income and comes in my name and is for my minor children, but that the income is mine to use, the company refused to respond to me. 

This company unfairly denied me an already approved loan because I receive social security for myself and my children. This is unfair to me, and I believe it is illegal. Also, it has adversely affected my credit score to be denied this loan after I was already approved for it. 

Please look into this situation with this Upstart company. I was approved for an promised a {$1400.00} loan if I verified my income, and I did exactly that. This company should be forced to provide me with the loan I was promised. This company should not be able to deny me based upon the fact our income comes from social security. That is discrimination. 

Letter of denial from the company : Hi XXXX, We wanted to let you know about the status of your application. Based on our verification, we updated the following components : - Income : We could verify {$11000.00} of your reported income. We are unable to consider this income since it is not in your name. Since we can not use co-signers or joint applicants, we can only consider income that is in your name. 

Unfortunately, these changes caused you to be disqualified. For more information on the status of your application, please log into https : //finwise.upstart.com. 

We regret that we were unable to provide you with a financial solution at this time. If you are interested, you are welcome to reapply after a 30-day waiting period. Please note that you will need to use a different email address to reapply. 

If you have any questions, you can email Upstart Loan Operations at XXXX, or you can call us at XXXX XXXX XXXX XXXX. Our phone lines are open every day from XXXX XXXX XXXX, except XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Financial Services
State: FL

Complaint narrative:
On XX/XX/2015, Consumer Financial Services added a derogatory mark on my credit report Per XXXX. Upon Further research, this account was sold to my knowledge and I am no longer responsible for this account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Consumer Financial Services has violated my rights as a consumer and im requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transactions that I have made. It is the result of identity theft. 

1.XXXX XXXX  account # XXXX {$700.00} ( XXXX ) Ive never done business with this company or entered into a signed contract. This account is fraudulent. 

2. XXXX XXXX XXXX account # XXXX {$920.00}. ( XXXX ) Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent. 

The following inquiries are fraudulent 1. XXXX XXXX/XXXX/XXXX 2XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7. XXXX XXXXXX/XX/XXXX 8. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX  XX/XX/XXXX 12. XXXX XXXXXX/XX/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 non-monetary relief