vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have various inquiries on my credit report XXXX and equifax as well as false personal information that Ive tried to have removed because I did not allow it nor did I apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. Accounts XXXX XXXX Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me

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 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have some unauthorized inquiries on my credit reports. These inquiries are on Transunion, XXXX and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police 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 non-monetary relief
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, Experian and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police 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 non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I went to purchase a car at XXXX XXXX of XXXX. Im a military soldier and I make {$23000.00} a year. The salesman falsified my salary on the credit application to get me approved. They told me my payments would be one amount. It wasnt until I showed the paperwork to my mother & Sergant. That the payment was a different amount. I tried to return the vehicle two days later and the dealership would not accept it back. Im currently in contact with Chrysler Capital and explained everything to them also. They are not being very helpful in this matter. And this bank is known for taking advantage of military soldiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
BRIDGECREST ACCEPTANCE CORPORATION MAILING LOCATION XXXX, AZ Due to COVID-19 in XX/XX/XXXX i stop payment on the truck they finance and i have send them a debt validation letter and they ignore my letter and in XX/XX/XXXX they came and repro my truck and they did not notify me that they was going to repro my property, the repro company ( XXXX XXXX ) stole money that i had in the truck and they came on my property illegally and stole ( REPRO ) my truck. I have ask BRIDGECREST numerous times to present me with the original promissory note so i can settle the debt and they have not present me with such promissory note.The law in Pennsylvania state that in order for a finance company to repro your vehicle they must notify the debtor of such repossession through register mail and they CAN NOT breach the peace, well the repro guys came on my property with guns drawn and i was in my truck when they drove and block me from moving my vehicle and the police was call, the police want me to hand over my property to these guys that i did not know where they was from and i tell them i am not abandoning my property and they arrest me for protecting my property. 
i have no idea where my truck is locate and i paid the constable to recoup my belongings and i had to pay the recovery pro for storage and they stole my money that was in the truck.

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 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I do not owe debt as claimed by a XXXX XXXX collection agency. I have spoken to agent who has agreed to remove this debt. However, I have had recurring of debt being removed but re-reported numerous times into my credit files.

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 2022-03-14 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: PR

Complaint narrative:
I dispute 2 accounts that are was open fraudulently and Equifax not only did not send me the method of independent investigation they use, but they also still reported the account in my credits, and I send the copy of the Identity theft. The Accounts is XXXX XXXX # XXXX and XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Called at XXXX am on Monday, XX/XX/14 telling me theyre calling for XXXX XXXX XXXX my mother, but they did not know ). She said she was calling from Gulf Coast Debt Collections and wanted to verify my DOB. They had the month and day, but not the year. I told them they had the wrong number. She hung up. 

I XXXX the number and discovered many complaints for the number stating similar stories and that its a scam. I wanted to report this since theyve called so many people. 

Thank you for your assistance. Ive blocked them on my cell and Ive alerted my senior mother to be on the watch for them and not give out any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I had a complaint with CFPB ID XXXX about Bank of the West. 
SUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service. 
Until now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. 
Please help me to get over this burden in my XXXX and recovering the loss of the money. 
Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX closed my personal account ( checking, savings, youth, investment ) without giving me a warning or reason why they closed it They told me that thay they will mail out a check of my balances within 10 days but so far I didn't received it This is unheard of, why don't they give me back my money right away? I went into the local bank and no one was able to help me with that And how can chase get away with this? 
Closing accounts for no reason.?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: EOS Holdings, Inc.
State: TX

Complaint narrative:
The EOS CCA with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: WI

Complaint narrative:
I received calls from them. Some times, I have received calls 47 times in less than a minute. I think this is excessive spamming and robocalling. I wrote to them in XXXX disputing the information and they stopped for a few weeks. Then at end of XXXX, they started again. Even my attorney requested them to stop. Attached is letter that my attorney sent to them. But they have refused to stop calling. Their robocalling is excessive.

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 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XXXX of 2022 I mailed correspondence to ALLY FINANCIAL 's registered agent XXXX XXXX XXXX certified mail with return receipt giving them 30 days to provide specific information regarding the alleged " loan '' they claim that I owe. They received the letter on XX/XX/2022. I also made a complaint to XXXX, Michigan Attorney General, the Federal Reserve, and a CFPB complaint. In the midst of this, ALLY was continuing to attempt to collect payment until I called ALLY and made them aware of the violation, which at this time ALLY was in default of the notice that was mailed. I received a letter dated XX/XX/2022 AFTER the phone call making ALLY aware of their violation. In this letter from ALLY XXXX ALLY XXXX, XXXX from XXXX XXXXr XXXX mailed correspondence that did not satisfy the requirements of the conditional acceptance. In my letter to ALLY I stated that : No negative reporting shall be furnished, there is to be no third party communication, I demanded a validation of the alleged obligation i.e. Ledgers public and private, Verification of claim- a signed invoice, and a copy of the contact between ALLY and MYSELF, and if the specific information requested can not be provided I will consider the debt discharged. I have not received the information requested. An amended opportunity to cure within 15 days has been sent on XX/XX/2022 certified mail with return receipt to again allow ALLY the chance to send what I have requested. If they can not produce what is asked ALLY and myself are to consider the debt discharged and release the lean and security interest from my vehicle and grant me my title, and reimburse the amount of {$4500.00} that has already been paid to ALLY by check to the return address on the certified letter. This is to avoid any legal action that can be taken. 

Additionally, prior to the conditional acceptance, I sent an indorced remittance coupon for ALLY to credit the account. There is no law stating that remittance is not a form of payment, on the contrary, this is the correct way to pay an obligation due to XXXX XXXX. I have followed the Bill of Exchange Act as how to indorce a remittance coupon and according to UCC 3-603 if tender of payment is not accepted the amount tendered to pay is to be discharged. ALLY refused the payment, and did not send the indorced coupon back which is now considered theft if my account has not been credited for the amount remitted. ALLY has instead negatively affected my account and credit report by marking it late and imposing late fees, they have also restricted my account and forcing payment in a specific way which by law should not be done. ALLY has a fiduciary responsibility to myself as the beneficiary to act in my best interest which they have not.

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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: PA

Complaint narrative:
I recently submitted a cease desist to D & A Services. Stating in my demands that I am refusing to pay the alleged debt and to stop communicating with me through all mediums. D & A services are still contacting me without the prior consent per federal law states 15 USC 1692c ( a ). D & A services are damaging my reputation. D & A sent me false and deceptive forms. In that deceptive form they used obscane and profane language. They are coercing me to pay this alleged debt that I stated in my documentation that I am refusing to pay. In that file I also stated to cease communication with me and to answer questions and return it back to me. This company is operating under a different name pursuant to 15 USC 1692e ( 14 ). They sent me a false and deceptive form stating that Bureaus investment group XXXX XXXX XXXX is the current creditor so who is D & A Services? This is identity theft the original creditor never stated in the contract that they were doing business with D & A Services. Now this debt collector have my private information and my location abode without my permission. I recently was in the hospital XXXX XXXXXXXX XXXX due to these creditors selling my private information without my consent. I am out of work due to my XXXX XXXX. I can't even apply to jobs because this information comes in a public data. D & A services are civilly liable for willful non compliance with the federal law pursuant to 15 USC 1692k and 15 USC 1611. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account FRONTLINE ASSET STRATEGIC with a balance of {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Back in XXXX of XXXX, my son 's wallet was stolen from the gym. His ID and credit card which he is authorized user of mine was compromised. He filed a police report. In XXXX, the credit card was used at XXXX for a purchase of {$140.00}. I disputed the charge with my credit card ( XXXX Bank ) and contacted XXXX. The representative at XXXX said they did not have any information about me in their records. I have never had an account with XXXX. I have been an XXXX customer for over 25 years. In XXXX of XXXX, I received a past due bill from XXXX XXXX I called XXXX again, spoke to representative and we filed a fraud claim with XXXX. # XXXX. Shortly after that call, I received a letter from a collection agency stating I owed the debt. I disputed the debt, spoke to the collection agency who informed me to notify XXXX Fraud dept with my case # and their collection account #. I spoke to XXXX again, they requested I send an email to XXXX Fraud, with the case #, my identification, and police report from last year where my identity was stolen. I sent them the information on XX/XX/XXXX, and have not received a response. Now, on XX/XX/XXXX, I received another collection letter from a different company, Receivables XXXX XXXX attempting to collect this same debt which is not mine.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I keep receiving text messages from random numbers saying my bank account has been temporarily blocked from 5/3 bank. I dont bank with 5/3 bank. They spell it fifth/third or theyll spell it 5/3.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had an account with MACYS department store. My account was used as a case of identity theft in Georgia for charges exceeding over {$1000.00}. I called Macys and reported the charges and they stated they froze my card, the following day my card was used again in Georgia and more charges were added. Macys stated that even though I called and reported the fraud on my account it takes up to XXXX hours for a freeze to be placed on my account. While my account was under investigation for these charges ; Macys advised me I would not be responsible for making payments since charges were not mine. After almost XXXX months the investigation was finally complete and I never received any information on the outcome of the investigation and Macys charged me based off the fraud charges on this account. Ive tried communicating with MACYS on multiple occasions and all they did was continuously transfer my calls to multiple departments. This account is inaccurate and charges are inaccurate.

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 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation