vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MS SERVICES LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX XXXX.for the amount of {$97000.00}. Soon after, XXXX sold our loan to XXXX XXXX XXXX XXXX. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and XXXX XXXX XXXX XXXX took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for XXXX XXXX years there was never a missed or late payment. 
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that XXXX XXXX XXXX XXXX indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from XXXX XXXX XXXX XXXX, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. 
I never heard any more from XXXX XXXX XXXX XXXX, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from MS Services, a collection agency. When I wrote back to MS , requesting evidence of this debt, I was sent documentation indicating that XXXX XXXX XXXX XXXX basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, XXXX XXXX XXXX XXXX indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some PO Box in XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. 
I am a XXXX XXXX  on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding tens of thousands of dollars for something I can not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
Finance Company lost interest to a vehicle that was stored in a body shop for damage that occurred through a tow truck company. Body shop wanted an excessive amount that was not afforded by myself or the finance company. Finance company  agreed to release interest in vehicle and release any liability or responsibility I had on vehicle. To this date there is a balance on my credit report and it is documented as a reposession. 

I would like this information corrected on my credit report per the agreement we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
On or around XX/XX/2021, my home equity line of credit was suspended without notice or reason. Since XXXXXXXX XXXX, when I first because aware of the issue, multiple attempts at getting a reason or lifting the suspension have met with demands for arbitrary letters and forms that I have duly filled and sent, yet the suspension has not been lifted. 

Please help me get this suspension lifted immediately because there is NO lawful reason for it - my credit scores are XXXX, XXXX, and XXXX ; 30+ year clean record of payments to all creditors with 18 years with this HELOC. 

Please feel free to contact me for further information. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I called XX/XX/XXXX to make a payment on my car loan. I always pay the day I make the call. Their automated system messed up and didnt process my loan until XX/XX/XXXX, which put it 30 days past due. Instead of admitting to their mistake, which is simply proven by listening to the recording, they reported false information to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Under the fair credit reporting act of 1861a in the exclusion sectionB. It specifically states anything extended or authorized from a credit card shall be excluded from my consumers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I called the company on XX/XX/21 after seeing this listed on my credit report and told them that I did not have a XXXX account. They told me that I made the calls and that my number was used. I explained that XXXX  did not approve me for a phone and I used XXXX XXXX for services for the past few years. 

XXXX currently owns XXXX and I only had a XXXX account and not XXXX. I asked them to send the credit application from XXXX or documentation that this is not fraud and they told me they were not required too send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have auto payment setup with Bank of America credit card ending with XXXX using my discover checking account. Later I opened Bank of America Checking Account and closed after 6 to 8 months. After that I started using bank of America credit card and suddenly one day I got alert that my bank of America card is past due. When I logged into account all auto payment setup is gone. I checked with customer service agent about my auto payment setup not visible and my credit card has become past due. I requested bank of America customer service to recall my late payment report from credit reporting as deleting auto payment setup issue is on Bank of america system side due to opening of bank of america checking account. Customer service had no clue on this issue. When i requested for recall of late payment of credit reporting there is no action from their side. I requested customer service to setup auto payment again and paid the past due amount. I raised service ticket with bank of america and there is no resolution as of now. hence reaching out consumer finance to resolve my issue since it affected my credit score. 

Let me know if you have any questions.

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
We were called by IQ Data Int'l the first week of XXXX and asked to pay a debt we feel we do not owe. My wife told the collector that we just had our first child and it was not a good time to talk. He then told her that she needs to learn how to multi task, was very rude, and hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDFIRST BANK
State: TX

Complaint narrative:
We are on the COVID relief plan and were told that nothing would be reported late. We received the deferment but Midland reported our payments 6 months late even though it is not supposed to be reported late since we are on the COVID relief.

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 2021-07-19 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: NY

Complaint narrative:
I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to equifax - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CH-XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to XXXX - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the four different credit cards. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several of your representatives over the course of the last few months. I have sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have found out that your dispute investigator works outside Citi so they can be unbiased. I'm not sure that my billing rights have been upheld in this dispute process since it is with a law firm. Do you even have a process for a law fee paid by credit card? 
When I spoke with billing dispute representative one time they said they hadn't reviewed the documentation I had sent in yet. One representative said often customers have said they didn't even think that dispute had read any documents from customer only contacted merchant. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
My account has always been paid on time and with full balance paid each month but now I have a balance of just the disputed amounts and additional fees.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt 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 says it's mine. According to the FCRA, XXXX XXXX XXXX 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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt 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 says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I called CCS 3 times trying to pay my bill and get a deletion email and they refuse to send me a email. So I just want something stating why the cant if Im paying my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was using PayPal to pay for a pair a sneakers the company told me after I paid that because I noted the type of shoe I was using the money for, they told me they needed to refund my money I have made a claim with PayPal I have called PayPal and I have emailed the company PayPal has still done nothing but put my claim under review and the company is saying they cant send my refund because PayPal hadnt allowed them to send refunds yet. I have all the emails and text messages between myself and the company and it all seems like they are selling shoes but just getting the money and now they are just holding my money and not refunding it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have not done any business with Allied Cash Advance since XXXX and the account I had at the time was included in my Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX. I have requested proof of the debt from XXXX XXXX XXXX XXXX  multiple times and they have not provided me with any such documentation nor were they able to provide me with any specific information as to date of the last transaction or the date of the original transaction. I also informed them, by phone, that I have not done business with Allied Cash Advance since XXXX and that any amount that was owed to that company was included in my Chapter XXXX Bankruptcy. They told me they couldnt provide me with any information and to contact Allied Cash Advance to obtain this information. When I contacted Allied Cash Advance they were unable to locate any account in collection. 
I contacted XXXX XXXX XXXX XXXX XXXXgain on XX/XX/XXXX and XX/XX/XXXX and told them to stop contacting me at my place of employment and on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt 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 says it's mine. According to the FCRA, XXXX XXXX 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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt 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 says it's mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-07-19 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: MS

Complaint narrative:
On XXXX XX/XX/2021 XXXX, I mailed a letter to the credit bureaus to remove inquiries I didn't authorize. My credit profile is affected by these penalties. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation