vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX account opened by TD BANK XXXX/TARGETCRED XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " data unavailable '' ( how is this possible? ) XX/XX/XXXX Reported as 30 days late XX/XX/XXXX Reported as 60 days late XX/XX/XXXXXXXX Reported as 90 days late XX/XX/XXXX Reported as 120 days late XX/XX/XXXX reported as 120 days late ( how is this possible? ) XX/XX/XXXX - Charge off ( account closed at credit grantors request ) Credit Limit - {$300.00} Balance on XXXX XXXX {$440.00} XXXX how is this possible? ) I've tried to get verification on this account from XXXX, the dispute came back as verified with updated addresses that I do not and have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am currently in the process of refinancing my mortgage that is being serviced with Fay Servicing. In order to refinance, the lender I am going with is requesting a letter from Fay Servicing stating that a Forbearance that I did in XX/XX/2020 was made into a deferment in XX/XX/2020. I have contacted many people at Fay and they state they do not have this documentation and will not resolve this for me. How do you create a deferment without documentation? I need this document and as of today, I have contacted the CEO, XXXX XXXX, XXXX XXXX, VP of Quality Assurance and have not received the documentation that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Great American Finance Co
State: FL

Complaint narrative:
I have a loan with GREAT AMERICAN FINANCE XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GREAT AMERICAN FINANCE XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and GREAT AMERICAN FINANCE XXXX with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with UN COLL XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX** Amount Disputed : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My partner, XXXX XXXX XXXX, and I had two lines of credit with CapitalOne : a Platinum card for {$5000.00} and a QuickSilver card for {$7000.00}. He is the primary holder ; I am the secondary holder. They had perfect payment histories, XXXX  balances, and the cards were locked. CapitalOne abruptly closed the QuickSilver account and took both accounts off-line. When we called to find out why, we were told by CapitalOne ( 1 ) someone had removed me from the QuickSilver account ; and ( 2 ) that XXXX  credit bureau had reported the QuickSilver account as opened fraudulently. We never made any such request to CapitalOne, and we never made any report to XXXX. In trying to resolve this issue, both my partner and myself sent notarized letters to CapiralOne Credit Bureau disputes attesting to these facts on XX/XX/2021. We have heard nothing from them. I called CapitalOne this morning to request an update and was told they can do nothing to restore either our QuickSilver line of credit, or either of our account access online until they hear from XXXX. I called XXXX  and they said they cant help us because they have no dispute with CapitalOne on file for either of us, which makes sense since we never initiated one. I called CapitalOne back and tried to tell them what XXXX  told me - and now, all of a sudden, they wont talk to me because I am the secondary account holder. Theyve always talked to me before - including this morning. This is a bunch of XXXX  : finger-pointing, passing-the-buck, inertia designed to waste my time. The primary account holder has both spoken to and written to CapitalOne about these problems. We have both complied with everything theyve asked of us, and we want both our credit lines restored and put back online so we have access to them FORTHWITH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/21, I applied for credit with XXXX XXXX XXXX XXXX but was denied and advised I would need to wait for the letter in the mail to determine why I was denied. When I received the letter from XXXX XXXX XXXX, I noticed my XXXX  score that was provided by Experian was incorrect which caused me to denied. I reached out first to XXXX XXXX XXXX  via the phone number on the letter to dispute but they stated their decision was based on what was provided by the credit bureau. 

I disputed the hard inquiry on my credit report in writing and asked they REMOVE the hard inquiry as they provided my XXXX score as XXXX which was inaccurate. I submitted proof to Experian by sending a screen shot of my XXXX score on XX/XX/21 proving my fico score was XXXX but they denied to remove the hard inquiry as XXXX XXXX. 

Experian was negligent and is demonstrating willful noncompliance per the FCRA by reporting inaccurate information which caused me to be denied services and impact my fico score. This is my last time disputing before reaching out to an attorney.

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 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX a company called Moneylion.com took {$2500.00} in a transfer. There is also {$4500.00} pending. I have no idea what this company is and when I try calling the number listed you can never actually talk with someone they just keep giving you an estimated hold time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: PA

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity ThefXXXX XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
I leased a XXXX XXXX  XXXX at XXXX XXXX  in XXXX, Washington on XX/XX/2021. I have had many new XXXX  model vehicles. At the time I leased my XXXX, I paid the first lease payment prior to delivery. 

By the end of XX/XX/2021, I had not yet received any account information by mail from TFS. I started to call Toyota, and received the typical unhelpful customer service. Nobody could help. Nobody could find the vehicle. No account existed. I was referred back to my leasing dealer. 

My leasing dealer continued to fail to do their part to get my account finalized with TFS. They told me I should make my second payment ( due XX/XX/2021 ) with them and they would send it on to TFS. I did so on XX/XX/2021. At this point, I had made two payments toward my XX/XX/2021XXXX  lease. 

I continued to call and continued to receive unhelpful and/or downright rude customer service from TFS and its first level customer support representatives. 

Finally, after getting fairly assertive about my account with both TSF and XXXX XXXX, TFS created my online account on XX/XX/2021, just a few weeks short of my third payment due date. 

As soon as I learned the account was created, I logged on. Unfortunately, I saw at this time that my account was two weeks past due for reason that my second payment of {$590.00} had not been credited to my account. I immediately made a third payment toward my lease ( This should be the payment which is due on XX/XX/2021 ). 

I began calling again. TFS agents hung up on me, told me to just pay another payment to avoid a problem, and generally gave me the same dumpster fire-level customer service that has become the norm. I was referred back to my original leasing dealer, XXXX XXXX. 

XXXX XXXX response ( through their finance Director ) was to give me the back end telephone number for TFS Dealer Financing department, their dealer code, and tell me to contact TFS. 

I called the TFS Dealer Financing Department and reached a person named XXXX. He was alarmed that a dealer gave me the back end telephone number and code to reach him, offered no assistance, and created a report of the incident presumably directed at the dealer. 

I next called TFS customer service and demanded a supervisor. I received one. I explained this situation yet another time, and was told I needed to fax my banking information and receipt over to TFS. I am now doing so. I demand you fix this issue and resolve my account so that I am not doing all of the work for TFS, Toyota Motor Co., and XXXX XXXX. To date, Ive done more work on this than any of these parties and Im the customer. I have paid 3 payments already. My account should reflect such. 

Please help me fix this since I appear to not be making much headway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX a derogatory mark was placed on my XXXX  account regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit 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 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was informed that my mortgage payment was 60 days late when in fact it not now ; nor has it ever been late in the past years. My mortgage was sold to XXXX by XXXX who continued to forward every payment but one to XXXX. When notified by Freedom that I was delinquent, I immediately contacted XXXX who I was still sending my payments. XXXX adopted that posture that they were not going to forward the monies unless I could verify that they received the funds. On several 3 way conversations between XXXX, XXXX and myself XXXX eventually became irritated and finally put the funds back in my account and I promptly made the missing payment. All entities knew that they had the money, were stalling with payment in an effort to assassinate my credit. XXXX at this point wasted no time in pulling my pants down to my ankles. Bending me at the waist. And proceeded to XXXX XXXX me with the 60 day late connotation, ruined my opportunity to secure my refinance attempt at less than two percent and losing out on an auto loan for the classic car of my dreams. There is no doubt in my military mind that this was not a planned maneuver on both parties parts. Credit has and remains a tool of privilege for those without melanin and a dagger in the heart for those believed to have too much melanin. It is extremely sad when mortgage conglomerates work in concert to ensure that the average XXXX man will never have favorable credit. It's about control.

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 2021-06-22 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: Nelnet, Inc.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$560.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated. 

1. Number of the account reported by you is not matching with number reported by Creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request you to process the investigation as prescribed by my rights under the FCRA.

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 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
The company name is McCarthy, Burgess & Wolff They call my business, my cell phone, my employees, my children, my inlaws and renters MULTIPLE TIMES A DAY ... .for a debt that is inaccurate and I am fighting the company now through the Insurance Regulations Office . My company has been fighting this XXXX XXXX XXXX XXXX audit due to their negligence of updating the company information then hitting me with penalties for the past 4 years ... this collection company is FILLED WITH NASTY INDIVIDUALS THAT ARE CALLING PEOPLE TO TRY AND EMBARASS ME TO PAY THEM, NOT VERY ETHICAL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX This company has turned me in to a collection agency for {$6900.00}. I did not open an account, or receive any funding from this company. My credit report doesn't show a hard inquiry from this company, and my bank statements do not reflect any amount received from this company. The company shows I opened the account on XX/XX/2021. This is false. 
This is only reflected on my credit report through XXXX. I opened a dispute, and XXXX  said the report was valid. It is not. 
Also, I have not been contacted by any collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I recent pulled my credit because Im looking for a new homes I found fraudulent accounts and inquiries I didnt authorize I dispute with companies and bureaus its been over 30 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Victoria secrets card-I made {$700.00} payment and it didnt tender it as shouldve been. Ive paid on bill date before and no issues. The one time Id was large payment they didnt post after billing out. Regardless the gd money was paid early on the account not late as it reports! Also while trying to resolve this matter they knocked half of my avail credit away-permanently! I didnt agree to this and I was not late! I have paid same bill date before. Comenity is ripping me off at ruining my credit score! I have since been denied benefits I pay for! They also closed Wayfair account that I jus opened. Im suffering from them moving locations and refusing to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY MB FINANCIAL SERVICES # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, received notice in the mail from XXXXapital Resource Management , Inc., that I owed a debt on XX/XX/2018. Capital Resource Management , Inc., violated 5 of my federally protected consumer rights under 15 USC 1692, the Fair Debt Collection Practices Act. The violations are as follows : 1 ) 15 USC 1692b ( 5 ) - a symbol/logo was featured on the contents of the letter indicating that Capital Resource Management , Inc., is in the debt collection business, no symbols/logos are to be used ; 2 ) 15 USC 1692b ( 2 ) - my location information was obtained by Capital Resource Management , Inc., in communication with XXXX XXXX XXXX regarding the collection of debt stating that I owe a debt, which is not to be stated ; 3 ) 15 USC 1692d ( 2 ) - language was used in which the natural consequence is to abuse the hearer or reader, " pay in full to prevent further action '' ; 4 ) 15 USC 1692e ( 1 ) - false representation of an affiliation with a State ( the license number provided by Capital Resource Management , Inc., did not exist in the New York State database of the Department of Consumer Affairs ) ; 5 ) 15 USC 1692d ( 1 ) - the suggestion that Capital Resource Management , Inc., furnishes information to the Consumer reporting agencies is harmful to my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation